1stGenHomeNH

1stGenHomeNH es una subvención para compradores de vivienda en Statewide, New Hampshire. NH Housing's first-generation homebuyer grant: $10,000 non-repayable grant for first-generation buyers (parents have not owned home in past 3 years or borrower aged out of foster care). Pairs with Home First or Home Flex first mortgage and Cash Assistance up to 4%. 620 FICO. Statewide. 1stGenHomeNH provides a $10,000 grant (originally launched at $10,000. periodically increased to up to $20,000 during expanded-funding rounds per NH Housing announcements) to qualifying first-generation homebuyers in New Hampshire. The grant is delivered as down-payment / closing-cost assistance and is non-repayable (true grant - no lien, no recapture). Pairs with NH Housing's Home First or Home Flex first-mortgage products plus the standard Cash Assistance second mortgage (up to 4% of loan amount), creating a stacked benefit of $10,000 grant + 4% Cash Assistance forgivable second on top of the bond-funded first mortgage. Designed to address inter-generational wealth gap by helping first-generation buyers (no parent has owned a home in the past 3 years, or borrower aged out of foster care) achieve homeownership. Los fondos provienen de State.

1stGenHomeNH está estructurado como una subvención, así que no se devuelve. El reembolso se activa por True grant - no repayment, no lien recorded against the property. Forgiven at closing. La ayuda se registra con un gravamen en posición No Lien. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

1stGenHomeNH está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: First-time-homebuyer requirement waived in federally designated targeted census tracts and for qualifying veterans. First-generation requirement is the program-defining criterion (parental homeownership lookback - 3 years). Sobre el crédito, el programa indica: 620 minimum FICO across eligible NH Housing first-mortgage products. Se requiere un curso de educación para compradores de vivienda, a través de NH Housing-approved homebuyer education course (online via Framework or in-person via NH Housing-funded counseling agencies including AHEAD, NeighborWorks Southern NH, and The Way Home). Requisito de residencia: Property must be located in New Hampshire and be the borrower's primary residence. Statewide eligibility. Ciudadanía o situación migratoria: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. FIRST-GENERATION HOMEBUYER REQUIREMENT: At least one borrower must qualify as a first-generation homebuyer, defined as: (a) borrower's parents have not owned a home within the past 3 years (and any prior parental homeownership ended in foreclosure / short sale), OR (b) borrower aged out of foster care. First-time-homebuyer required (no ownership of a primary residence in the past 3 years); waived in federally targeted areas. Owner-occupied primary residence. 620 minimum FICO. Maximum 45% DTI. Income at or below NH Housing limits (up to $176,200 in higher-cost counties; $125,900-$144,785 non-targeted by household size). Maximum purchase price $505,000 non-targeted up to $950,000 targeted/high-cost county. Homebuyer education required. Must be paired with NH Housing Home First or Home Flex first mortgage.

1stGenHomeNH limita el ingreso del hogar a $176,200. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

1stGenHomeNH limita el precio de compra a $950,000. Los tipos de propiedad elegibles incluyen Single-family detached, 2-4 unit owner-occupied (per first-mortgage overlays), condominium (project-approved), townhouse, PUD, modular, and manufactured home on permanent foundation. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

1stGenHomeNH menciona a veteranos, miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional y cónyuges sobrevivientes entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

1stGenHomeNH atiende a compradores de vivienda que compran en Statewide, New Hampshire. El programa se dirige a áreas específicas: Federally designated targeted census tracts (per IRS Section 143) where MRB first-time-homebuyer requirement is waived and higher income / acquisition-cost limits apply. Higher-cost counties (Rockingham, Strafford, Hillsborough) have higher acquisition-cost limits up to $950,000.

Las solicitudes de 1stGenHomeNH se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Reserved through NH Housing's online lender portal (Lender Online) at time of rate lock by approved participating lender. Funding subject to availability; periodically suspended/refunded per legislative appropriations. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.