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

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)是面向Grafton县，New Hampshire购房者的补助金，由Twin Pines Housing (Twin Pines Housing Trust)管理。 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.

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)提供最高$80,000的援助。 购房者自付部分：Minimum $2,000 of personal savings toward closing costs / purchase price. 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Twin Pines Housing (Twin Pines Housing Trust)决定。

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)属于补助金，因此无需偿还。 触发还款的情形：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. 该援助以Affordability covenant / resale restriction recorded against the property (CLT model)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。

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)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Approved Homebuyer Education Workshop (NeighborWorks 8-hour curriculum); for NH buyers, AHEAD offers approved classes.提供。 居住要求：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.

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

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)可用于Single Family和Condo。 预制房屋不符合条件。

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)服务于在Grafton县，New Hampshire购房的购房者。

Twin Pines Housing Shared-Equity Homeownership Program (Down Payment Grants)的申请通过Twin Pines Housing (Twin Pines Housing Trust)办理，该机构在其网站上公布现行条款和申请步骤。 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。