Housing Our Workforce (HOW)

Housing Our Workforce (HOW) es un préstamo condonable para compradores de vivienda en Statewide, New Hampshire, a cargo de Federal Home Loan Bank of Boston (FHLBank Boston). Housing Our Workforce (HOW) is FHLBank Boston's down-payment and closing-cost grant for moderate-income homebuyers earning above 80% and up to 120% of area median income - filling the gap above the income ceiling of the Equity Builder Program. For 2026 the maximum grant is up to $25,000, delivered through approved member banks and credit unions in New Hampshire. Grants are forgivable over five years and may also fund an interest-rate buydown of up to 2 points. Down-payment and closing-cost grant up to $25,000 (2026). Serves moderate-income buyers (80%-120% AMI). Forgivable after 5 years. Up to 2-point interest-rate buydown. Los fondos provienen de FHLBank Boston voluntary homeownership set-aside funds.

Housing Our Workforce (HOW) ofrece hasta $25,000 de ayuda. Niveles de ayuda: 2026 maximum grant up to $25,000 per household. Member institution enrollment cap graduated: $125,000 for the first two funding-release periods, increasing to a maximum of $250,000 for the remaining releases. Aporte del comprador de vivienda: Homebuyer must contribute at least $2,000 of their own funds (not a gift or gift of equity); contribution must be evidenced on the executed P&S or addendum. Los montos son los máximos publicados por el programa, no una oferta: Federal Home Loan Bank of Boston (FHLBank Boston) determina cualquier ayuda individual.

Housing Our Workforce (HOW) se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Sale or transfer (or ceasing to occupy as primary residence) within 5 years of closing; repayment pro-rated in favor of the homeowner and only owed if the calculated repayment exceeds $2,500. La ayuda se registra con un gravamen en posición Subordinate (grant secured by retention agreement/mortgage). 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.

Housing Our Workforce (HOW) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Se requiere un curso de educación para compradores de vivienda, a través de Required for first-time homebuyers only; FHLBank Boston-approved counseling organization. NH-approved: AHEAD, Inc.; Community Home Solutions; GreenPath Financial Wellness; NeighborWorks Southern New Hampshire; New Hampshire Housing Finance Authority. Homebuyer must contribute at least $2,000 of their own funds. $150,000 maximum asset cap. No cash back to buyer over $250; cannot reimburse earnest-money deposits. Owner-occupied primary residence only; existing homeowners must sell their current home first. Cannot be combined with EBP, Lift Up, or the AHP. Homebuyer education required for first-time buyers only.

Housing Our Workforce (HOW) limita el ingreso del hogar al 120% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income must be more than 80% and up to 120% of area median income (AMI); AMI derived from the specific state/city/town of the property. 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.

Housing Our Workforce (HOW) se puede usar para Single Family, Condo y 2-4 Unit.

Housing Our Workforce (HOW) atiende a compradores de vivienda que compran en Statewide, New Hampshire.

Las solicitudes de Housing Our Workforce (HOW) se tramitan a través de Federal Home Loan Bank of Boston (FHLBank Boston), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de First-come, first-served; member institutions reserve grants through FHLBank Boston's Community Lending system once the buyer has an executed offer/Purchase & Sales agreement. 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.