1stGenHomeNH

1stGenHomeNH è un contributo a fondo perduto per chi compra casa in 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. I fondi provengono da State.

1stGenHomeNH è un contributo a fondo perduto, quindi non va restituito. Il rimborso scatta in caso di True grant - no repayment, no lien recorded against the property. Forgiven at closing. L'aiuto è iscritto in posizione No Lien. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

1stGenHomeNH è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: 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). Sul credito, il programma afferma: 620 minimum FICO across eligible NH Housing first-mortgage products. È richiesto un corso per chi compra casa, tramite 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 di residenza: Property must be located in New Hampshire and be the borrower's primary residence. Statewide eligibility. Cittadinanza o status migratorio: 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 il reddito familiare a $176,200. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

1stGenHomeNH fissa un prezzo di acquisto massimo di $950,000. I tipi di immobile idonei includono Single-family detached, 2-4 unit owner-occupied (per first-mortgage overlays), condominium (project-approved), townhouse, PUD, modular, and manufactured home on permanent foundation. Le nuove costruzioni sono idonee. Le case prefabbricate sono idonee.

1stGenHomeNH cita veterani, militari in servizio attivo, riservisti e membri della Guardia Nazionale e coniugi superstiti tra i gruppi a cui si rivolge. Essere citati qui significa che il programma menziona il gruppo, non che l'appartenenza basti da sola a soddisfare i requisiti: valgono comunque le altre regole di idoneità.

1stGenHomeNH si rivolge a chi compra casa in Statewide, New Hampshire. Il programma si rivolge a zone specifiche: 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.

Le domande per 1stGenHomeNH passano da l'ente che gestisce il programma, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite 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 non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.