Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) es una subvención para compradores de vivienda en Condado de Grafton, New Hampshire, a cargo de Twin Pines Housing (Twin Pines Housing Trust). Twin Pines Housing is a community land trust serving the Upper Connecticut River Valley of NH and VT. Through its shared-equity homeownership program it provides down payment grants (up to $80,000 or 35% of price) that reduce a qualifying buyer's purchase price well below market value. In exchange the buyer accepts a permanent resale restriction limiting their share of future appreciation, keeping the home affordable for the next income-eligible buyer. In New Hampshire the program operates in Grafton County. Down payment grant up to $80,000 (lesser of $80,000 or 35% of price). Possible closing cost assistance up to $4,000. Below-market purchase price reduces mortgage and monthly cost. Long-term stewardship support. Strong foreclosure-prevention track record.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) ofrece hasta $80,000 de ayuda. Aporte del comprador de vivienda: Minimum $2,000 of personal savings toward closing costs / purchase price. Los montos son los máximos publicados por el programa, no una oferta: Twin Pines Housing (Twin Pines Housing Trust) determina cualquier ayuda individual.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) está estructurado como una subvención, así que no se devuelve. El reembolso se activa por Shared-equity grant, not repayable. At resale the homeowner receives only ~25% of appreciation; the grant value plus the balance of appreciation stays in the home to preserve affordability for the next income-eligible buyer. La ayuda se registra con un gravamen en posición Affordability covenant / resale restriction recorded against the property (CLT model). 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.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) 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 Approved Homebuyer Education Workshop (NeighborWorks 8-hour curriculum); for NH buyers, AHEAD offers approved classes. Requisito de residencia: Must occupy as a primary residence at least nine months/year (limited case-by-case exceptions). Approved TPH grant application on file; lender prequalification letter dated within 60 days; minimum $2,000 personal savings; completed homebuyer education; TPH/funder approval of financing, DTI, inspection and appraisal; cannot currently own a primary residence; asset limits apply.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) limita el ingreso del hogar al 120% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Generally may not earn more than 120% of county median income at time of purchase; adjusted annually by HUD (~April). NH portion of the program is in Grafton County; published worked examples in TPH documents reference Vermont's Windsor/Orange Counties, and the Grafton County NH limit table by household size was not published in the fetched documents. 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.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) se puede usar para Single Family y Condo. Las viviendas prefabricadas no son elegibles.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) atiende a compradores de vivienda que compran en Condado de Grafton, New Hampshire.

Las solicitudes de Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) se tramitan a través de Twin Pines Housing (Twin Pines Housing Trust), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. 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.