1stGenHomeNH

1stGenHomeNH是面向Statewide，New Hampshire购房者的补助金。 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. 资金来自State。

1stGenHomeNH属于补助金，因此无需偿还。 触发还款的情形：True grant - no repayment, no lien recorded against the property. Forgiven at closing. 该援助以No Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

1stGenHomeNH面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：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). 关于信用，该项目说明：620 minimum FICO across eligible NH Housing first-mortgage products. 须参加购房者教育课程，由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).提供。 居住要求：Property must be located in New Hampshire and be the borrower's primary residence. Statewide eligibility. 公民身份或移民身份：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将家庭收入限制在$176,200。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

1stGenHomeNH将房价上限设为$950,000。 符合条件的房屋类型包括Single-family detached, 2-4 unit owner-occupied (per first-mortgage overlays), condominium (project-approved), townhouse, PUD, modular, and manufactured home on permanent foundation. 新建房屋符合条件。 预制房屋符合条件。

1stGenHomeNH在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

1stGenHomeNH服务于在Statewide，New Hampshire购房的购房者。 该项目针对特定区域：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.

1stGenHomeNH的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过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.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。