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

Ang Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) ay isang grant para sa mga bibili ng bahay sa Grafton County, New Hampshire, na pinangangasiwaan ng 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.

Nag-aalok ang Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) ng tulong na hanggang $80,000. Ambag ng bibili ng bahay: Minimum $2,000 of personal savings toward closing costs / purchase price. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Twin Pines Housing (Twin Pines Housing Trust) ang nagpapasya sa anumang indibidwal na award.

Ang Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may 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. Nakatala ang tulong bilang lien sa posisyong Affordability covenant / resale restriction recorded against the property (CLT model). 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 Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Approved Homebuyer Education Workshop (NeighborWorks 8-hour curriculum); for NH buyers, AHEAD offers approved classes. Requirement sa paninirahan: 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.

Nililimitahan ng Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) ang kita ng sambahayan sa 120% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. 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 Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) para sa Single Family at Condo. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants) ang mga bibili ng bahay sa Grafton County, New Hampshire.

Dumadaan sa Twin Pines Housing (Twin Pines Housing Trust) ang mga aplikasyon para sa Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.