FHLBank Boston Housing Our Workforce (HOW) - Connecticut

FHLBank Boston Housing Our Workforce (HOW) - Connecticut是面向Connecticut购房者的可免除贷款，由Federal Home Loan Bank of Boston (through participating member financial institutions)管理。 Housing Our Workforce (HOW) is a down-payment and closing-cost grant from the Federal Home Loan Bank of Boston, delivered through participating member banks and credit unions across New England including Connecticut. It targets moderate-income workforce homebuyers earning more than 80% and up to 120% of area median income. For 2026, eligible buyers can receive up to $25,000 toward down payment and closing costs (and up to a 2-point rate buydown). The grant is a 0% forgivable second mortgage forgiven fully after a 5-year retention period. Up to $25,000 grant. Up to 2-point rate buydown. 0% interest, forgiven after 5 years. Not limited to first-time buyers. Statewide via CT member lenders. 资金来自Federal Home Loan Bank of Boston (voluntary program funded from Bank earnings, separate from AHP-regulated set-aside).

FHLBank Boston Housing Our Workforce (HOW) - Connecticut提供最高$25,000的援助。 购房者自付部分：Homebuyer must contribute a minimum of $2,000 of their own funds (not a gift/gift of equity); may include earnest money, cash to close, POC fees. 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 (through participating member financial institutions)决定。

FHLBank Boston Housing Our Workforce (HOW) - Connecticut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：Pro-rata repayment during 5-year retention period if sold/transferred/refinanced/foreclosed; due only if calculated amount exceeds $2,500 and net proceeds exist. Fully forgiven after 5 years. 该援助以Subordinate (second) 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。

FHLBank Boston Housing Our Workforce (HOW) - Connecticut面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Not set by HOW; credit qualification determined by member's first-mortgage underwriting. QM and non-QM mortgages eligible. Apply through an approved FHLBank Boston member institution (not directly). Annual member application required (members apply Feb 2026). Homebuyer enrollment submitted 15 business days before closing. Asset cap $150,000. Front-end ratio over 37% requires compensating factors. First-time homebuyers must complete homebuyer education within 24 months.

FHLBank Boston Housing Our Workforce (HOW) - Connecticut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 greater than 80% and up to 120% of HUD AMI for the property's location. Income calculated across all adult household members 18+. Buyers at or below 80% AMI use the Equity Builder Program instead. 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。

FHLBank Boston Housing Our Workforce (HOW) - Connecticut的房价上限如下：Home purchase price limits removed as a standard 2026 requirement; IRS MRB purchase price limits apply only in the asset-cap exception scenario. 符合条件的房屋类型包括1-4 family、Condominium、Cooperative和Manufactured home。 预制房屋符合条件。

FHLBank Boston Housing Our Workforce (HOW) - Connecticut服务于在Connecticut任何地方购房的购房者。

FHLBank Boston Housing Our Workforce (HOW) - Connecticut的申请通过Federal Home Loan Bank of Boston (through participating member financial institutions)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 via FHLBank Boston Community Lending online system; enrollment submitted 15 business days prior to closing through an approved member institution.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。