First-Time Homebuyer Assistance Program

First-Time Homebuyer Assistance Program是面向Nashua，New Hampshire购房者的补助金。 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. 资金来自Federal和Local。

First-Time Homebuyer Assistance Program属于补助金，因此无需偿还。 触发还款的情形：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. 该援助以2nd 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。

First-Time Homebuyer Assistance Program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：FTHB requirement waived for displaced homemakers and single parents per HUD HOME definition. 关于信用，该项目说明：Per first-mortgage product overlays; City of Nashua does not impose a separate FICO minimum. 须参加购房者教育课程，由HUD-certified homebuyer education providers including NeighborWorks Southern NH, The Way Home, and AHEAD.提供。 居住要求：Property must be located within the City of Nashua, NH boundaries (city limits) and be the borrower's primary residence. 公民身份或移民身份：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).

First-Time Homebuyer Assistance Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 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. 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。

First-Time Homebuyer Assistance Program的房价上限如下：Per HOME-set maximum acquisition price (95% of area median single-family purchase price for Nashua MSA - typically updated annually by HUD). 符合条件的房屋类型包括Single-family detached, condominium, townhouse, 2-unit owner-occupied (per HOME). 3-4 unit on case-by-case review. 新建房屋符合条件。 预制房屋符合条件。

First-Time Homebuyer Assistance Program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、遗属配偶和残障购房者。 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。

First-Time Homebuyer Assistance Program服务于在Nashua，New Hampshire购房的购房者。

First-Time Homebuyer Assistance Program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 directly with City of Nashua Community Development Division upon application; subject to fund availability.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。