Housing Our Workforce (HOW)

Housing Our Workforce (HOW)是面向Statewide，New Hampshire购房者的可免除贷款，由Federal Home Loan Bank of Boston (FHLBank Boston)管理。 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. 资金来自FHLBank Boston voluntary homeownership set-aside funds。

Housing Our Workforce (HOW)提供最高$25,000的援助。 援助档次：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. 购房者自付部分：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. 金额是该项目公布的上限，并非报价——具体每人的援助金额由Federal Home Loan Bank of Boston (FHLBank Boston)决定。

Housing Our Workforce (HOW)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：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. 该援助以Subordinate (grant secured by retention agreement/mortgage)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。

Housing Our Workforce (HOW)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由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.提供。 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.

Housing Our Workforce (HOW)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 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. 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。

Housing Our Workforce (HOW)可用于Single Family、Condo和2-4 Unit。

Housing Our Workforce (HOW)服务于在Statewide，New Hampshire购房的购房者。

Housing Our Workforce (HOW)的申请通过Federal Home Loan Bank of Boston (FHLBank Boston)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.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。