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

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) è un contributo a fondo perduto per chi compra casa in contea di Grafton, New Hampshire, gestito da 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) offre un aiuto fino a $80,000. Contributo di chi compra casa: Minimum $2,000 of personal savings toward closing costs / purchase price. Gli importi sono i massimi pubblicati dal programma, non un'offerta: è Twin Pines Housing (Twin Pines Housing Trust) a stabilire l'eventuale importo per ciascuna persona.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) è un contributo a fondo perduto, quindi non va restituito. Il rimborso scatta in caso di 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. L'aiuto è iscritto in posizione Affordability covenant / resale restriction recorded against the property (CLT model). Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) è aperto a chi compra casa e ci vivrà come residenza principale. È richiesto un corso per chi compra casa, tramite Approved Homebuyer Education Workshop (NeighborWorks 8-hour curriculum); for NH buyers, AHEAD offers approved classes. Requisito di residenza: 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 il reddito familiare al 120% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. 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. 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.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) può essere usato per Single Family e Condo. Le case prefabbricate non sono idonee.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) si rivolge a chi compra casa in contea di Grafton, New Hampshire.

Le domande per Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) passano da Twin Pines Housing (Twin Pines Housing Trust), che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. 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.