Lift Up Homeownership

Lift Up Homeownership هو قرض قابل للإعفاء لمشتري المنازل في Statewide، Connecticut، وتديره Federal Home Loan Bank of Boston (FHLBank Boston). Lift Up Homeownership is an FHLBank Boston down-payment and closing-cost grant for income-eligible first-generation, first-time homebuyers purchasing a primary residence in New England, including Connecticut. Eligible buyers earning up to 120% of area median income receive a 0% grant (forgiven over a 5-year retention period) delivered through participating member banks and credit unions. Funds may be used for down payment, customary closing costs, and up to a 2-point interest-rate buydown. Down-payment & closing-cost grant (per-round cap; up to ~$50,000 in recent rounds). 0% forgivable over a 5-year retention period. First-generation first-time buyers up to 120% AMI. Up to 2-point rate buydown. Statewide in CT through FHLBank Boston member lenders. يأتي التمويل من FHLBank Boston voluntary, board-approved Special Purpose Credit Program (separate from the AHP-regulated set-aside).

يقدم Lift Up Homeownership مساعدة تصل إلى $50,000. فئات المنحة: Per-homebuyer grant cap is announced each annual funding round; member enrollment cap up to $400,000 ($200,000 for first two releases). Two-pool allocation: 60-day state pool, then general first-come pool. مساهمة مشتري المنزل: Each assisted household must contribute $1,000 of their own funds (cannot be a gift or gift of equity); may include earnest money deposit, cash to close, and paid-outside-closing fees. The contribution must remain in the transaction. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Federal Home Loan Bank of Boston (FHLBank Boston) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Lift Up Homeownership بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Pro-rata subsidy repayment if sold/transferred/refinanced (and not subordinated)/foreclosed during the 5-year retention period; fully forgiven after 5 years. Obligation terminates on foreclosure, deed-in-lieu, or death of the assisted homeowner. تُسجَّل المساعدة في مرتبة الرهن: Subordinate (second) lien. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Lift Up Homeownership مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer per 42 U.S.C. 12704(14): neither the borrower nor spouse may have owned a home in the 3 years prior to purchase. يلزم إكمال دورة لمشتري المنازل، عبر At least one borrower must complete FHLBank Boston-approved homebuyer education/counseling within 24 months of enrollment approval or closing. Approved organizations are listed by New England state on FHLBank Boston's Homebuyer Education/Counseling list; online options include eHome America, Fannie Mae HomeView, Finally Home!, Framework, or Home Trek (post-counseling required). CURRENT program (Procedures effective April 2026) serves FIRST-GENERATION first-time homebuyers (parents/legal guardian of at least one borrower never owned a U.S. home, or a borrower aged out of foster care) - it is NOT race/ethnicity restricted (prior 'people of color' framing has been superseded; the catalog's NH Lift Up row should be re-checked). Apply only through an FHLBank Boston member institution. Per-homebuyer grant amount is set each annual funding round; ~$50,000 in recent rounds - CONFIRM current round amount. Requires $1,000 of buyer's own funds; asset cap $150,000; front-end ratio over 37% requires compensating factors; max $250 cash back at closing. Eligible property types not enumerated in the procedures (primary residence only) - left blank pending confirmation.

يحدد Lift Up Homeownership دخل الأسرة بما لا يتجاوز 120% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income up to 120% of HUD AMI based on the property's location; income of all adult (18+) household members is counted. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Lift Up Homeownership حدًا لسعر الشراء على النحو التالي: No standard purchase-price limit; IRS Mortgage Revenue Bond Average Purchase Price Limits apply only in the asset-cap exception scenario.

يذكر Lift Up Homeownership مشتري المنازل من الجيل الأول ضمن الفئات التي يخدمها. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم Lift Up Homeownership مشتري المنازل الذين يشترون في Statewide، Connecticut.

تُقدَّم طلبات Lift Up Homeownership عبر Federal Home Loan Bank of Boston (FHLBank Boston)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served via FHLBank Boston Community Lending online system through approved member institutions. Enrollment submitted 15 business days before closing; funds reserved 90 days. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.