HomeBoost – Down Payment Assistance

HomeBoost – Down Payment Assistance是面向Indiana购房者的可免除贷款，由Federal Home Loan Bank of Indianapolis (FHLBank Indianapolis)管理。 HomeBoost is FHLBank Indianapolis's special-purpose down payment assistance program for first-generation AND first-time homebuyers with household income at or below 120% of area median income who are purchasing a primary residence in Indiana or Michigan. It provides the lesser of $20,000 or 20% of the purchase price toward down payment, closing costs, and housing counseling. Like Launch, funds are delivered through participating FHLBI member financial institutions rather than directly to households. Up to $20,000 (or 20% of price) toward down payment, closing and counseling costs. Targets first-generation buyers. Higher 120% AMI income ceiling than standard programs. 资金来自FHLBank Indianapolis special down payment assistance / homeownership set-aside。

HomeBoost – Down Payment Assistance提供最高$20,000的援助。 购房者自付部分：Homebuyer must contribute a minimum of $500 in personal funds toward the purchase transaction. 该项目可与Combined with a first mortgage through a participating FHLBI member institution.结合使用。 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 Indianapolis (FHLBank Indianapolis)决定。

HomeBoost – Down Payment Assistance是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Subsidy recaptured from the member (not household) if the purchase does not close within 60 days of disbursement; HomeBoost guidelines impose a retention/recapture mechanism consistent with FHLBI homeownership set-asides (specific retention term not stated in the 2026 guidelines reviewed). 该援助以Subordinate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。

HomeBoost – Down Payment Assistance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：Must be BOTH first-generation (parents/guardian never owned a U.S. home, or borrower aged out of foster care or was emancipated) AND first-time (no principal-residence ownership in the prior 3 years). 须参加购房者教育课程，由Any organization experienced in homebuyer/homeowner counseling; completion certificate required; in-person or online.提供。 居住要求：Property must be purchased in Indiana or Michigan as primary residence.

HomeBoost – Down Payment Assistance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 at or below 120% of HUD area median income (AMI) for household size and county, at time of enrollment. 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。

HomeBoost – Down Payment Assistance的房价上限如下：No stated maximum purchase price; subsidy capped at lesser of $20,000 or 20% of purchase price. 符合条件的房屋类型包括Single Family、Condo、Townhouse、2-4 Unit、Manufactured和Co-op。 新建房屋不符合条件。 预制房屋符合条件。

HomeBoost – Down Payment Assistance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。

HomeBoost – Down Payment Assistance服务于在Indiana任何地方购房的购房者。

HomeBoost – Down Payment Assistance的申请通过Federal Home Loan Bank of Indianapolis (FHLBank Indianapolis)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 FHLBI member through the .GIVES online system until funds exhausted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。