Housing Our Workforce (HOW)

Ang Housing Our Workforce (HOW) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Statewide, New Hampshire, na pinangangasiwaan ng 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. Ang pondo ay mula sa FHLBank Boston voluntary homeownership set-aside funds.

Nag-aalok ang Housing Our Workforce (HOW) ng tulong na hanggang $25,000. Mga award tier: 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. Ambag ng bibili ng bahay: 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. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Federal Home Loan Bank of Boston (FHLBank Boston) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Housing Our Workforce (HOW) pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may 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. Nakatala ang tulong bilang lien sa posisyong Subordinate (grant secured by retention agreement/mortgage). 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 Housing Our Workforce (HOW) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng 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.

Nililimitahan ng Housing Our Workforce (HOW) ang kita ng sambahayan sa 120% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. 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.

Magagamit ang Housing Our Workforce (HOW) para sa Single Family, Condo, at 2-4 Unit.

Pinaglilingkuran ng Housing Our Workforce (HOW) ang mga bibili ng bahay sa Statewide, New Hampshire.

Dumadaan sa Federal Home Loan Bank of Boston (FHLBank Boston) ang mga aplikasyon para sa Housing Our Workforce (HOW), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng 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. 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.