Lift Up Homeownership

Lift Up Homeownership是面向Statewide，Connecticut购房者的可免除贷款，由Federal Home Loan Bank of Boston (FHLBank Boston)管理。 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. 资金来自FHLBank Boston voluntary, board-approved Special Purpose Credit Program (separate from the AHP-regulated set-aside).

Lift Up Homeownership提供最高$50,000的援助。 援助档次：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. 购房者自付部分：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. 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 (FHLBank Boston)决定。

Lift Up Homeownership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 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. 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。

Lift Up 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：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. 须参加购房者教育课程，由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).提供。 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.

Lift Up Homeownership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 up to 120% of HUD AMI based on the property's location; income of all adult (18+) household members is counted. 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。

Lift Up Homeownership的房价上限如下：No standard purchase-price limit; IRS Mortgage Revenue Bond Average Purchase Price Limits apply only in the asset-cap exception scenario.

Lift Up Homeownership在其服务群体中提到了第一代购房者。 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。

Lift Up Homeownership服务于在Statewide，Connecticut购房的购房者。

Lift Up Homeownership的申请通过Federal Home Loan Bank of Boston (FHLBank Boston)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 through approved member institutions. Enrollment submitted 15 business days before closing; funds reserved 90 days.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。