Bankruptcy Sale & Affordable Homeownership Opportunity! Up to $100,000 of Down Payment Assistance & Closing Cost Help Available for Qualified Buyers! Now offered at $115,000, you can own for less than rent in this rarely available top-floor (walk-up, no elevator) 1BR/1BA HDFC cooperative in the vibrant Melrose section of the South Bronx. This unit presents an excellent opportunity for buyers looking to personalize their space and build equity, as minor renovations and updates are needed. This sun-filled home features northern, southern, and western exposures, allowing natural light throughout the day. Interior highlights include hardwood floors, high ceilings, a spacious split-bedroom layout, and excellent separation between the bedroom and bath for added privacy. The oversized bedroom offers two north-facing windows and a double closet. A centrally positioned living room provides a comfortable space for relaxing or entertaining. The windowed galley kitchen includes wood cabinetry and additional storage space, while the windowed bathroom is thoughtfully situated on the opposite side of the apartment. This HDFC cooperative may qualify for affordable homeownership programs, including the HomeFirst Down Payment Assistance Program, which can provide substantial financial assistance to eligible first-time buyers (up to $100,000). Low down payment options and closing cost assistance may also be available for qualified purchasers. Buyers must meet HDFC income and residency requirements. Income limits are based on household size and area median income guidelines. Prospective purchasers are encouraged to contact us to learn more about qualification requirements and available homebuyer assistance programs. Conveniently located just 0.2 miles from the 3rd Ave-149th Street station with access to the 2 and 5 trains. Enjoy close proximity to shopping, dining, grocery stores, banks, fitness centers, pharmacies, playgrounds, urgent care, and everyday neighborhood conveniences. Sorry, no pets permitted. No subletting allowed. HDFC Income Restrictions Apply. Photos have been virtually staged and AI-enhanced for illustrative purposes.