FHLBank Boston Housing Our Workforce (HOW)

FHLBank Boston Housing Our Workforce (HOW)是面向Rhode Island购房者的可免除贷款，由Federal Home Loan Bank of Boston (via participating member financial institutions)管理。 Down payment and closing cost grant assistance offered through FHLBank Boston member institutions to homebuyers in New England (including Rhode Island) earning more than 80% and up to 120% of AMI. Grants are made to eligible borrowers when they close on a mortgage with a participating member; homebuyers cannot apply directly to FHLBank Boston. For 2026, grants of up to $25,000 for down payment and closing cost assistance. Forgivable after five years from the closing date. 资金来自FHLBank Boston (homeownership set-aside funds)。

FHLBank Boston Housing Our Workforce (HOW)提供最高$25,000的援助。 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 (via participating member financial institutions)决定。

FHLBank Boston Housing Our Workforce (HOW)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-rated repayment if the property is sold, transferred, or refinanced within five years of closing (only when calculated repayment exceeds $2,500); refinances may be subordinated at FHLBank Boston discretion. 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)面向将房屋作为主要住所自住的购房者。 Homebuyer income must be more than 80% and up to 120% of AMI (households at or below 80% AMI are instead directed to EBP). Maximum asset cap of $150,000 (includes deposits and cash to close). Owner-occupied primary residence only; any current primary residence must be sold prior to purchase (cannot convert to investment property). Homebuyer must contribute $2,000 of own funds (not a gift or gift of equity), evidenced on the P&S agreement. A signed offer/P&S with property address is required at enrollment; first-come, first-served. Repayment is pro-rated and due only if home is sold/transferred/refinanced within 5 years and only if the repayment amount exceeds $2,500.

FHLBank Boston Housing Our Workforce (HOW)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。 Income more than 80% and up to 120% of AMI (AMI derived from the specific state/city/town); maximum asset cap of $150,000. 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)服务于在Rhode Island任何地方购房的购房者。

FHLBank Boston Housing Our Workforce (HOW)的申请通过Federal Home Loan Bank of Boston (via 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。 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。