By E mail. July 24, Revised Purchase Price and Income Limits Seller s Guide Bulletin # Dear Participating Lender:

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1 By E mail July 24, 2015 RE: Revised Purchase Price and Income Limits Seller s Guide Bulletin # Dear Participating Lender: With this bulletin, SONYMA is announcing revised purchase price and income limits for all of its bond financed programs. The revised limits are effective for all loan reservations made on or after August 3, 2015 and will continue until further notice. The purchase price (or acquisition cost) limits have decreased in all areas of New York State. In accordance with federal regulations, SONYMA s purchase price limits are based on safe harbor purchase prices derived from FHA loan limits and published by the Internal Revenue Service (IRS) in Revenue Procedure Note that the purchase price limits are based on the IRS definition of acquisition cost (see Section of the SONYMA Seller s Guide). It is the IRS definition of acquisition cost that cannot exceed the purchase price limit. The income limits, which are based on HUD medians published March 6, 2015 and IRS Revenue Procedures and , have increased in all areas of the State except Rockland and Tompkins Counties, which each had small decreases. Attached please find a chart which incorporates the new limits. Also attached are revised charts for the Achieving the Dream Mortgage Program and Habitat for Humanity Mortgage Program. The new limits will also be published on SONYMA s website ( SONYMAParticipatingLenders.htm). Lastly, also attached is an updated Federal recapture tax limits chart. The recapture chart details the adjusted household income a borrower must utilize when calculating potential IRS recapture tax liability after selling a SONYMA financed home. Keep in mind that SONYMA will reimburse any borrower required to pay a Federal recapture tax to the IRS. For more information about recapture, please click here. If you have any questions, please feel free to contact me at (518) Sincerely, Enclosures Sherri Eckles Vice President Single Family Programs

2 SONYMA Low Interest Rate Mortgage Program (1) Income and Purchase Price (2) Limits Effective Date: For Reservations Accepted August 3, 2015 and Until Further Notice INCOME LIMITS PURCHASE PRICE LIMITS (2) Household Size 1 Family 2 Family SONYMA 1 & 2 Person (3) 3 + Person (3) New & Existing New (4) & Existing 3 Family Existing 4 Family Existing REGION COUNTY Non Target Target Non Target Target Non Target Target Non Target Target Non Target Target Non Target Target I Cattaraugus $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 BUFFALO Chautauqua $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Erie $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Niagara $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 II Genesee $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 ROCHESTER Livingston $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Monroe $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Ontario $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Orleans $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Seneca $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Wayne $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Wyoming $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Yates $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 III Cayuga $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 SYRACUSE Cortland $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Madison $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Onondaga $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Oswego $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 IV Allegany $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 BINGHAMTON Broome $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Chemung $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Chenango $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Delaware $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Otsego $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Schuyler $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Steuben $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Tioga $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Tompkins $77,200 $92,640 $88,780 $108,080 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 V Columbia $74,900 $89,880 $86,135 $104,860 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 MID HUDSON Dutchess $104,040 $104,040 $121,380 $121,380 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 Greene $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Orange $104,040 $104,040 $121,380 $121,380 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 Putnam $103,560 $103,560 $120,820 $120,820 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 Sullivan $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Ulster $75,200 $90,240 $86,480 $105,280 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030

3 SONYMA Low Interest Rate Mortgage Program (1) Income and Purchase Price (2) Limits Effective Date: For Reservations Accepted August 3, 2015 and Until Further Notice INCOME LIMITS PURCHASE PRICE LIMITS (2) Household Size 1 Family 2 Family SONYMA 1 & 2 Person (3) 3 + Person (3) New & Existing New (4) & Existing 3 Family Existing 4 Family Existing REGION COUNTY Non Target Target Non Target Target Non Target Target Non Target Target Non Target Target Non Target Target VI Albany $82,700 $99,240 $95,105 $115,780 $278,780 $340,730 $356,890 $436,200 $431,380 $527,250 $536,080 $655,210 CAPITAL Montgomery $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Rensselaer $82,700 $99,240 $95,105 $115,780 $278,780 $340,730 $356,890 $436,200 $431,380 $527,250 $536,080 $655,210 Saratoga $82,700 $99,240 $95,105 $115,780 $278,780 $340,730 $356,890 $436,200 $431,380 $527,250 $536,080 $655,210 Schenectady $82,700 $99,240 $95,105 $115,780 $278,780 $340,730 $356,890 $436,200 $431,380 $527,250 $536,080 $655,210 Schoharie $82,700 $99,240 $95,105 $115,780 $278,780 $340,730 $356,890 $436,200 $431,380 $527,250 $536,080 $655,210 VII Clinton $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 MOHAWK Essex $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 VALLEY Franklin $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Fulton $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Hamilton $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Herkimer $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Jefferson $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Lewis $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Oneida $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 St. Lawrence $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Warren $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 Washington $72,000 $86,400 $82,800 $100,800 $258,690 $316,170 $331,170 $404,770 $400,290 $489,250 $497,480 $608,030 VIII Rockland $118,560 $118,560 $138,320 $138,320 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 DOWNSTATE Westchester $126,840 $126,840 $147,980 $147,980 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 IX Nassau $130,800 $130,800 $152,600 $152,600 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 LONG ISLAND Suffolk $130,800 $130,800 $152,600 $152,600 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 X Bronx $103,560 $103,560 $120,820 $120,820 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 NEW YORK Kings $103,560 $103,560 $120,820 $120,820 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 CITY New York $103,560 $103,560 $120,820 $120,820 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 Queens $103,560 $103,560 $120,820 $120,820 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 Richmond $103,560 $103,560 $120,820 $120,820 $596,970 $729,630 $764,260 $934,090 $923,810 $1,129,100 $1,148,070 $1,403,190 (1) These limits also apply to the Construction Incentive Program, as well as the Home for Veterans, RemodelNY, and Energy Star add ons. (2) Purchase price limits are based on the IRS definition of acquisition cost (see Section of the SONYMA Seller s Guide. It is the IRS definition of acquisition cost that cannot exceed the purchase price limit. (3) Household size is determined by the number of persons in the household including children, regardless of age. For example, a married couple with one two year old child would use the 3+ person household limit. (4) For target areas only. New Two Families are not permitted in non target areas.

4 STATE OF NEW YORK MORTGAGE AGENCY ACHIEVING THE DREAM MORTGAGE PROGRAM (1) MAXIMUM INCOME AND PURCHASE PRICE/APPRAISED VALUE LIMITS EFFECTIVE FOR LOAN RESERVATIONS ACCEPTED ON OR AFTER AUGUST 3, 2015 (2) PURCHASE PRICE LIMITS (4) PURCHASE PRICE LIMITS (4) REGION COUNTY INCOME LIMITS One Family New & Existing Two Family New (3) & Existing REGION COUNTY INCOME LIMITS One Family New & Existing Two Family New (3) & Existing I BUFFALO Cattaraugus $44,640 $258,690 $331,170 VI CAPITAL Albany $66,160 $278,780 $356,890 Chautauqua $43,360 $258,690 $331,170 Montgomery $45,520 $258,690 $331,170 Erie $55,200 $258,690 $331,170 Rensselaer $66,160 $278,780 $356,890 Niagara $55,200 $258,690 $331,170 Saratoga $66,160 $278,780 $356,890 Schenectady $66,160 $278,780 $356,890 II ROCHESTER Genesee $54,160 $258,690 $331,170 Schoharie $66,160 $278,780 $356,890 Livingston $54,160 $258,690 $331,170 Monroe $54,160 $258,690 $331,170 VII MOHAWK Clinton $53,520 $258,690 $331,170 Ontario $54,160 $258,690 $331,170 VALLEY Essex $49,520 $258,690 $331,170 Orleans $54,160 $258,690 $331,170 Franklin $46,240 $258,690 $331,170 Seneca $50,560 $258,690 $331,170 Fulton $45,040 $258,690 $331,170 Wayne $54,160 $258,690 $331,170 Hamilton $51,520 $258,690 $331,170 Wyoming $51,840 $258,690 $331,170 Herkimer $50,400 $258,690 $331,170 Yates $50,480 $258,690 $331,170 Jefferson $45,760 $258,690 $331,170 Lewis $45,440 $258,690 $331,170 III SYRACUSE Cayuga $50,800 $258,690 $331,170 Oneida $50,400 $258,690 $331,170 Cortland $49,760 $258,690 $331,170 St. Lawrence $44,880 $258,690 $331,170 Madison $54,800 $258,690 $331,170 Warren $52,320 $258,690 $331,170 Onondaga $54,800 $258,690 $331,170 Washington $52,320 $258,690 $331,170 Oswego $54,800 $258,690 $331,170 VIII DOWNSTATE Rockland $94,840 $596,970 $764,260 IV BINGHAMTON Allegany $42,960 $258,690 $331,170 Westchester $101,470 $596,970 $764,260 Broome $53,120 $258,690 $331,170 Chemung $51,440 $258,690 $331,170 IX LONG ISLAND Nassau $104,640 $596,970 $764,260 Chenango $45,520 $258,690 $331,170 Suffolk $104,640 $596,970 $764,260 Delaware $46,240 $258,690 $331,170 Otsego $49,840 $258,690 $331,170 X NEW YORK CITY Bronx $82,840 $596,970 $764,260 Schuyler $48,960 $258,690 $331,170 Kings $82,840 $596,970 $764,260 Steuben $46,640 $258,690 $331,170 New York $82,840 $596,970 $764,260 Tioga $53,120 $258,690 $331,170 Queens $82,840 $596,970 $764,260 Tompkins $61,760 $258,690 $331,170 Richmond $82,840 $596,970 $764,260 V MID HUDSON Columbia $59,920 $258,690 $331,170 Dutchess $83,230 $596,970 $764,260 Greene $48,560 $258,690 $331,170 Orange $83,230 $596,970 $764,260 Putnam $82,840 $596,970 $764,260 Sullivan $48,160 $258,690 $331,170 Ulster $60,160 $258,690 $331,170 (1) Subject to change (2) Two Family homes that are less than 5 years old must be located in a Target Area (3) Applicants whose income are within these limits will receive the Achieving the Dream interest rate when applying for a RemodelNY or Energy Star loan. (4) Purchase price limits are based on the IRS definition of acquisition cost (see Section of the SONYMA Seller s Guide. It is the IRS definition of acquisition cost that cannot exceed the purchase price limit.

5 Habitat for Humanity Program INCOME AND PURCHASE PRICE LIMITS* Effective for Loan Reservations Accepted August 3, 2015 and Continuing Until Further Notice INCOME LIMITS Household Size PURCHASE PRICE LIMITS+ INCOME LIMITS Household Size PURCHASE PRICE LIMITS+ Region County 1 & 2 Person** 3+ Person** 1 Family Homes*** Region County 1 & 2 Person** 3+ Person** 1 Family Homes*** I Cattaraugus $57,600 $66,240 $258,690 VI Albany $66,160 $76,080 $278,780 BUFFALO Chautauqua $57,600 $66,240 $258,690 CAPITAL Montgomery $57,600 $66,240 $258,690 Erie $57,600 $66,240 $258,690 Rensselaer $66,160 $76,080 $278,780 Niagara $57,600 $66,240 $258,690 Saratoga $66,160 $76,080 $278,780 Schenectady $66,160 $76,080 $278,780 II Genesee $57,600 $66,240 $258,690 Schoharie $66,160 $76,080 $278,780 ROCHESTER Livingston $57,600 $66,240 $258,690 Monroe $57,600 $66,240 $258,690 VII Clinton $57,600 $66,240 $258,690 Ontario $57,600 $66,240 $258,690 MOHAWK Essex $57,600 $66,240 $258,690 Orleans $57,600 $66,240 $258,690 VALLEY Franklin $57,600 $66,240 $258,690 Seneca $57,600 $66,240 $258,690 Fulton $57,600 $66,240 $258,690 Wayne $57,600 $66,240 $258,690 Hamilton $57,600 $66,240 $258,690 Wyoming $57,600 $66,240 $258,690 Herkimer $57,600 $66,240 $258,690 Yates $57,600 $66,240 $258,690 Jefferson $57,600 $66,240 $258,690 Lewis $57,600 $66,240 $258,690 III Cayuga $57,600 $66,240 $258,690 Oneida $57,600 $66,240 $258,690 SYRACUSE Cortland $57,600 $66,240 $258,690 St. Lawrence $57,600 $66,240 $258,690 Madison $57,600 $66,240 $258,690 Warren $57,600 $66,240 $258,690 Onondaga $57,600 $66,240 $258,690 Washington $57,600 $66,240 $258,690 Oswego $57,600 $66,240 $258,690 VIII Rockland $94,840 $109,060 $596,970 IV Allegany $57,600 $66,240 $258,690 DOWNSTATE Westchester $101,470 $116,690 $596,970 BINGHAMTON Broome $57,600 $66,240 $258,690 Chemung $57,600 $66,240 $258,690 IX Nassau $104,640 $120,330 $596,970 Chenango $57,600 $66,240 $258,690 LONG ISLAND Suffolk $104,640 $120,330 $596,970 Delaware $57,600 $66,240 $258,690 Otsego $57,600 $66,240 $258,690 X Bronx $82,840 $95,260 $596,970 Schuyler $57,600 $66,240 $258,690 NEW YORK Kings $82,840 $95,260 $596,970 Steuben $57,600 $66,240 $258,690 CITY New York $82,840 $95,260 $596,970 Tioga $57,600 $66,240 $258,690 Queens $82,840 $95,260 $596,970 Tompkins $61,760 $71,020 $258,690 Richmond $82,840 $95,260 $596,970 NOTES: V Columbia $59,920 $68,900 $258,690 * Subject to change MID HUDSON Dutchess $83,230 $95,710 $596,970 ** Household size is determined by the number of persons in the household including children, regardless of age. Greene $57,600 $66,240 $258,690 *** Includes condominiums and cooperatives. Orange $83,230 $95,710 $596,970 Putnam $82,840 $95,260 $596,970 Sullivan $57,600 $66,240 $258,690 Ulster $60,160 $69,180 $258,690 + Purchase price limits are based on the IRS definition of acquisition cost (see Section of the SONYMA Seller s Guide. It is the IRS definition of acquisition cost that cannot exceed the purchase price limit.

6 NON-TARGETED AREAS Albany 1-2 persons $ 82, $ 86, $ 91, $ 95, $ 100, $ 105, $ 110, $ 116, $ 122, or more $ 95, $ 99, $ 104, $ 110, $ 115, $ 121, $ 127, $ 133, $ 140, Allegany 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Bronx 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Broome 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Cattaraugus 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Cayuga 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Chautauqua 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Chemung 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Chenango 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Clinton 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Columbia 1-2 persons $ 74, $ 78, $ 82, $ 86, $ 91, $ 95, $ 100, $ 105, $ 110, or more $ 86, $ 90, $ 94, $ 99, $ 104, $ 109, $ 115, $ 121, $ 127, Cortland 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Page 1 of 10

7 NON-TARGETED AREAS Delaware 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Dutchess 1-2 persons $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, or more $ 121, $ 127, $ 133, $ 140, $ 147, $ 154, $ 162, $ 170, $ 179, Erie 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Essex 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Franklin 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Fulton 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Genesee 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Greene 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Hamilton 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Herkimer 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Jefferson 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Kings 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Lewis 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Page 2 of 10

8 NON-TARGETED AREAS Livingston 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Madison 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Monroe 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Montgomery 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Nassau 1-2 persons $ 130, $ 137, $ 144, $ 151, $ 158, $ 166, $ 175, $ 184, $ 193, or more $ 152, $ 160, $ 168, $ 176, $ 185, $ 194, $ 204, $ 214, $ 225, New York 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Niagara 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Oneida 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Onondaga 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Ontario 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Orange 1-2 persons $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, or more $ 121, $ 127, $ 133, $ 140, $ 147, $ 154, $ 162, $ 170, $ 179, Orleans 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Oswego 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Otsego 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Page 3 of 10

9 NON-TARGETED AREAS Putnam 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Queens 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Rensselaer 1-2 persons $ 82, $ 86, $ 91, $ 95, $ 100, $ 105, $ 110, $ 116, $ 122, or more $ 95, $ 99, $ 104, $ 110, $ 115, $ 121, $ 127, $ 133, $ 140, Richmond 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Rockland 1-2 persons $ 118, $ 124, $ 130, $ 137, $ 144, $ 151, $ 158, $ 166, $ 175, or more $ 138, $ 145, $ 152, $ 160, $ 168, $ 176, $ 185, $ 194, $ 204, Saratoga 1-2 persons $ 82, $ 86, $ 91, $ 95, $ 100, $ 105, $ 110, $ 116, $ 122, or more $ 95, $ 99, $ 104, $ 110, $ 115, $ 121, $ 127, $ 133, $ 140, Schenectady 1-2 persons $ 82, $ 86, $ 91, $ 95, $ 100, $ 105, $ 110, $ 116, $ 122, or more $ 95, $ 99, $ 104, $ 110, $ 115, $ 121, $ 127, $ 133, $ 140, Schoharie 1-2 persons $ 82, $ 86, $ 91, $ 95, $ 100, $ 105, $ 110, $ 116, $ 122, or more $ 95, $ 99, $ 104, $ 110, $ 115, $ 121, $ 127, $ 133, $ 140, Schuyler 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Seneca 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, St. Lawrence 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Steuben 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Page 4 of 10

10 NON-TARGETED AREAS Suffolk 1-2 persons $ 130, $ 137, $ 144, $ 151, $ 158, $ 166, $ 175, $ 184, $ 193, or more $ 152, $ 160, $ 168, $ 176, $ 185, $ 194, $ 204, $ 214, $ 225, Sullivan 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Tioga 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Tompkins 1-2 persons $ 77, $ 81, $ 85, $ 89, $ 93, $ 98, $ 103, $ 108, $ 114, or more $ 88, $ 93, $ 97, $ 102, $ 107, $ 113, $ 118, $ 124, $ 131, Ulster 1-2 persons $ 75, $ 78, $ 82, $ 87, $ 91, $ 95, $ 100, $ 105, $ 111, or more $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Warren 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Washington 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Wayne 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Westchester 1-2 persons $ 126, $ 133, $ 139, $ 146, $ 154, $ 161, $ 169, $ 178, $ 187, or more $ 147, $ 155, $ 163, $ 171, $ 179, $ 188, $ 198, $ 208, $ 218, Wyoming 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Yates 1-2 persons $ 72, $ 75, $ 79, $ 83, $ 87, $ 91, $ 96, $ 101, $ 106, Figures based on state median income ($72,000) or area median income, whichever is greater. Number of persons in family and income is as of date of sale or transfer of house. Page 5 of 10

11 TARGETED AREAS Albany 1-2 persons $ 99, $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, or more $ 115, $ 121, $ 127, $ 134, $ 140, $ 147, $ 155, $ 162, $ 171, Allegany 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Bronx 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Broome 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Cattaraugus 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Cayuga 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Chautauqua 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Chemung 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Chenango 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Clinton 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Columbia 1-2 persons $ 89, $ 94, $ 99, $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, or more $ 104, $ 110, $ 115, $ 121, $ 127, $ 133, $ 140, $ 147, $ 154, Cortland 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Page 6 of 10

12 TARGETED AREAS Delaware 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Dutchess 1-2 persons $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, or more $ 121, $ 127, $ 133, $ 140, $ 147, $ 154, $ 162, $ 170, $ 179, Erie 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Essex 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Franklin 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Fulton 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Genesee 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Greene 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Hamilton 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Herkimer 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Jefferson 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Kings 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Lewis 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Page 7 of 10

13 TARGETED AREAS Livingston 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Madison 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Monroe 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Montgomery 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Nassau 1-2 persons $ 130, $ 137, $ 144, $ 151, $ 158, $ 166, $ 175, $ 184, $ 193, or more $ 152, $ 160, $ 168, $ 176, $ 185, $ 194, $ 204, $ 214, $ 225, New York 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Niagara 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Oneida 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Onondaga 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Ontario 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Orange 1-2 persons $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, $ 153, or more $ 121, $ 127, $ 133, $ 140, $ 147, $ 154, $ 162, $ 170, $ 179, Orleans 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Oswego 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Otsego 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Page 8 of 10

14 TARGETED AREAS Putnam 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Queens 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Rensselaer 1-2 persons $ 99, $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, or more $ 115, $ 121, $ 127, $ 134, $ 140, $ 147, $ 155, $ 162, $ 171, Richmond 1-2 persons $ 103, $ 108, $ 114, $ 119, $ 125, $ 132, $ 138, $ 145, $ 153, Rockland 1-2 persons $ 118, $ 124, $ 130, $ 137, $ 144, $ 151, $ 158, $ 166, $ 175, or more $ 138, $ 145, $ 152, $ 160, $ 168, $ 176, $ 185, $ 194, $ 204, Saratoga 1-2 persons $ 99, $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, or more $ 115, $ 121, $ 127, $ 134, $ 140, $ 147, $ 155, $ 162, $ 171, Schenectady 1-2 persons $ 99, $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, or more $ 115, $ 121, $ 127, $ 134, $ 140, $ 147, $ 155, $ 162, $ 171, Schoharie 1-2 persons $ 99, $ 104, $ 109, $ 114, $ 120, $ 126, $ 132, $ 139, $ 146, or more $ 115, $ 121, $ 127, $ 134, $ 140, $ 147, $ 155, $ 162, $ 171, Schuyler 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Seneca 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, St. Lawrence 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Steuben 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Page 9 of 10

15 TARGETED AREAS Suffolk 1-2 persons $ 130, $ 137, $ 144, $ 151, $ 158, $ 166, $ 175, $ 184, $ 193, or more $ 152, $ 160, $ 168, $ 176, $ 185, $ 194, $ 204, $ 214, $ 225, Sullivan 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Tioga 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Tompkins 1-2 persons $ 92, $ 97, $ 102, $ 107, $ 112, $ 118, $ 124, $ 130, $ 136, or more $ 108, $ 113, $ 119, $ 125, $ 131, $ 137, $ 144, $ 152, $ 159, Ulster 1-2 persons $ 90, $ 94, $ 99, $ 104, $ 109, $ 115, $ 120, $ 126, $ 133, or more $ 105, $ 110, $ 116, $ 121, $ 127, $ 134, $ 141, $ 148, $ 155, Warren 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Washington 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Wayne 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Westchester 1-2 persons $ 126, $ 133, $ 139, $ 146, $ 154, $ 161, $ 169, $ 178, $ 187, or more $ 147, $ 155, $ 163, $ 171, $ 179, $ 188, $ 198, $ 208, $ 218, Wyoming 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Yates 1-2 persons $ 86, $ 90, $ 95, $ 100, $ 105, $ 110, $ 115, $ 121, $ 127, Figures based on state median income ($72,000) or area median income, whichever is greater. Number of persons in family and income is as of date of sale or transfer of house. Page 10 of 10