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Housing Our Workforce Program

iStock-1358734506_small.pngWe’re proud to participate in the Housing Our Workforce (HOW) Program, funded by the Federal Home Loan Bank of Boston.

The HOW Program provides down payment and closing cost funds, up to $25,000, to income-eligible homebuyers purchasing an eligible property. The funds are five-year “forgivable” grants – which means they do not need to be repaid, as long as you don’t sell your home during the first five years.*
The number of available grants is limited, and awarded on a first-come, first-served basis.

This program is similar to the Equity Builder Program, but with higher income limits, purchase price limits, and a singular focus on down payment assistance.



  • Available to households earning more than 80% up to 120% of the HUD area median income of their future property

  • Future property must be a one- to four-family, owner-occupied, primary residence

  • Supports borrowers who are essential to the long-term economic vitality of our communities

  • Not limited to first-time homebuyers, but first-time homebuyers must attend homebuyer education/counseling program


Do you qualify for a HOW Program grant?

Find out today if you qualify for the HOW Program – with up to $25,000 in down payment assistance. Connect with one of our mortgage lenders to discuss. If you qualify, we’ll be glad to help you prepare a HOW Program grant application.


Ed Bidlack, Vice President, Senior Residential Banking Team Leader 

NMLS# 16682

Phone: 1 (603) 526-5606   |

178 County Road, New London, NH 03257



Cody Marshall, VP, Financial Center Manager

NMLS# 1165771

Phone: 1 (603) 640-2670   |

38 South Main Street, Hanover, NH 03766



Tiffany Staples, Residential Banking Advisor

NMLS# 2048651

Phone: 1 (603) 415-2759   |

1 Pillsbury Street, Suite 303, Concord, NH 03301


* Annual household income restrictions apply. Program must be used to purchase a primary residence. Maximum grant amount is 10% of the sales price or up to $25,000, the lesser of the two.  Funds are issued in the form of a restricted grant; certain restrictions apply. Offer subject to change or end without notice. 

A portion of the grant may need to be repaid if you sell your home within the first five years. Households that participate in the Housing Our Workforce Program will receive a Homebuyer Information document that describes the details of the program and other information to assist borrowers in understanding the program, their obligations, and their repayment options.

Grant is provided by the Federal Home Loan Bank of Boston through their Housing Our Workforce Program. Credit and property approval required.  

Ledyard National Bank NMLS#407525


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