First-Time Homebuyer Assistance Program

Ang First-Time Homebuyer Assistance Program ay isang grant para sa mga bibili ng bahay sa Nashua, New Hampshire. City of Nashua FTHB DPA grant: up to $10,000 forgivable lien for first-time low-to-moderate-income homebuyers purchasing in Nashua. 5-year HOME affordability period. 80% AMI limit. City-Specific (Nashua only). City of Nashua's First-Time Homebuyer Assistance Program is a HOME-funded forgivable grant providing up to $10,000 in down-payment / closing-cost assistance for income-eligible first-time homebuyers purchasing in the City of Nashua, NH. Grant is structured as a 5-year recoverable lien that converts to a true grant if the buyer remains in the home as primary residence for the full 5-year affordability period (HOME-required). Funded via HUD HOME entitlement allocation to the Nashua Community Development Division. Pairs with FHA, USDA-RD, VA, conventional, or NH Housing first mortgage from any qualifying lender. Income limits up to 80% AMI for the Nashua HOME service area: $64,900 (1-person) - $122,300 (8+ person household). Borrower contribution $1,500 minimum. Homebuyer education required. Ang pondo ay mula sa Federal at Local.

Ang First-Time Homebuyer Assistance Program ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may 5-year recoverable lien (HOME affordability period). If borrower sells, refinances with cash-out, transfers title, or vacates as primary residence within 5 years, full grant is repayable. After 5 years of continued owner-occupancy, lien is released and grant is fully forgiven. Nakatala ang tulong bilang lien sa posisyong 2nd Lien. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang First-Time Homebuyer Assistance Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": FTHB requirement waived for displaced homemakers and single parents per HUD HOME definition. Tungkol sa credit, sinasabi ng programa: Per first-mortgage product overlays; City of Nashua does not impose a separate FICO minimum. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-certified homebuyer education providers including NeighborWorks Southern NH, The Way Home, and AHEAD. Requirement sa paninirahan: Property must be located within the City of Nashua, NH boundaries (city limits) and be the borrower's primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or qualifying permanent resident (HOME eligibility). Must be a first-time homebuyer (no ownership of a primary residence in past 3 years). Property must be located within the City of Nashua, NH (not in suburbs / Hillsborough County outside Nashua). Owner-occupied primary residence. Household income at or below 80% AMI for the Nashua HOME service area ($64,900 1-person to $122,300 8+ person household by HUD MFI table). Borrower must contribute a minimum of $1,500 of own funds. 5-year HOME affordability period (recoverable lien if borrower vacates / sells / refinances within 5 years). HUD-certified homebuyer education required. HOME compliance: lead-based paint review (pre-1978 properties), Section 504 accessibility review, and Davis-Bacon labor compliance (if rehab tied to HOME).

Nililimitahan ng First-Time Homebuyer Assistance Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. City of Nashua / HUD HOME income limits at or below 80% AMI: $64,900 (1-person) to $122,300 (8+ person) per HUD MFI table for Nashua, NH-MA HUD Metro FMR Area. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng First-Time Homebuyer Assistance Program ang presyo ng pagbili: Per HOME-set maximum acquisition price (95% of area median single-family purchase price for Nashua MSA - typically updated annually by HUD). Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, condominium, townhouse, 2-unit owner-occupied (per HOME). 3-4 unit on case-by-case review. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng First-Time Homebuyer Assistance Program ang mga beterano, mga miyembro ng militar na nasa aktibong serbisyo, mga reservist at miyembro ng National Guard, mga naiwang asawa, at mga bibili ng bahay na may kapansanan sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng First-Time Homebuyer Assistance Program ang mga bibili ng bahay sa Nashua, New Hampshire.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa First-Time Homebuyer Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reserved directly with City of Nashua Community Development Division upon application; subject to fund availability. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.