Pathways to Homeownership

Pathways to Homeownership是面向Multiple县，New Hampshire购房者的补助金。 AHEAD's Northern NH (Coos / Carroll / Grafton counties) DPA grant: up to $20,000 for first-time low-to-moderate-income homebuyers. 5-year recoverable grant, converts to true grant after 5 years owner-occupancy. 80% AMI income limit. Multi-county. AHEAD's Pathways to Homeownership is a Northern New Hampshire-focused nonprofit DPA grant program serving Coos, Carroll, and Grafton counties. Provides up to $20,000 in down-payment / closing-cost assistance (grant, structured as a 5-year recoverable grant that converts to a true grant if the borrower remains in the home as primary residence for 5 years). Funded via HUD HOME pass-through, USDA-RD Section 502 partnership, NH Charitable Foundation grants, and AHEAD's own loan-pool revolving funds. Targeted at low-to-moderate income (LMI) buyers (up to 80% AMI for the applicable county). Pairs with first mortgage from AHEAD's lender partners (NH Community Loan Fund, NH Housing, USDA-RD direct, or local community bank). Income limits range $87,840-$129,840 by county and household size. Homebuyer education and 1:1 housing counseling required (provided by AHEAD's HUD-certified counseling staff). 资金来自Nonprofit和Federal。

Pathways to Homeownership属于补助金，因此无需偿还。 触发还款的情形：5-year recoverable grant - if borrower sells, refinances with cash-out, transfers title, or vacates as primary residence within 5 years, grant is repayable on a pro-rata basis (1/60 forgiven per month). After 5 years of continued owner-occupancy, grant is fully forgiven (true grant). 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。

Pathways to Homeownership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：Exceptions per AHEAD case-by-case review (e.g., loss of home through foreclosure / divorce more than 3 years ago). 关于信用，该项目说明：Per first-mortgage product overlays; AHEAD does not impose a separate FICO minimum but typically works with borrowers 620+ FICO. 须参加购房者教育课程，由AHEAD HUD-certified housing counseling agency (CHFA-style direct counseling and homebuyer education classes).提供。 居住要求：Property must be located in Coos, Carroll, or Grafton county (Northern New Hampshire) and be the borrower's primary residence. 公民身份或移民身份：U.S. citizen or qualifying permanent resident. Must be a first-time homebuyer (no ownership of a primary residence in past 3 years). Property must be located in Coos, Carroll, or Grafton county (Northern New Hampshire). Owner-occupied primary residence. Household income at or below 80% AMI for the county / household size (range $87,840-$129,840). Borrower must contribute at least $1,000 of own funds. 5-year occupancy requirement for full grant conversion (recoverable if borrower vacates within 5 years). HUD-certified homebuyer education + 1:1 housing counseling with AHEAD required. Successful completion of AHEAD's homebuyer readiness program (typically 6-12 months of counseling and savings preparation).

Pathways to Homeownership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。 AHEAD Pathways income limits at or below 80% AMI by county and household size: range $87,840 (low-AMI 1-person) to $129,840 (Grafton County 4+ person 80% AMI tier). 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。

Pathways to Homeownership的房价上限如下：Per first-mortgage product limits; AHEAD's service area median price is below $400,000 (Northern NH rural market). 符合条件的房屋类型包括Single-family detached, condominium, townhouse, modular, manufactured home on permanent foundation. 2-4 unit owner-occupied permitted on case-by-case basis. 新建房屋符合条件。 预制房屋符合条件。

Pathways to Homeownership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。

Pathways to Homeownership服务于在Multiple县，New Hampshire购房的购房者。 该项目针对特定区域：Coos County, Carroll County, and Grafton County (Northern New Hampshire). Service area aligned with HUD HOME consortium and AHEAD's USDA-RD Section 502 packaging service area.

Pathways to Homeownership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 AHEAD via housing-counseling intake; subject to fund availability and successful completion of AHEAD's homebuyer readiness program.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。