FHLBank Boston Lift Up Homeownership

FHLBank Boston Lift Up Homeownership是面向Rhode Island购房者的补助金，由Federal Home Loan Bank of Boston (via participating member financial institutions)管理。 Enhanced down payment and closing cost grant assistance offered through FHLBank Boston member institutions to first-time, first-generation homebuyers in New England (including Rhode Island) earning no more than 120% of AMI. Homebuyers cannot apply directly to FHLBank Boston; they must work with an approved member institution. The 2026 program began April 1, 2026. Grant of up to $40,000 for income-eligible first-generation, first-time homebuyers; can be used for down payment, closing costs, and up to 2 discount points to buy down the interest rate. Forgivable after five years. 资金来自FHLBank Boston (homeownership set-aside funds)。

FHLBank Boston Lift Up Homeownership提供最高$40,000的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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 Lift Up Homeownership属于补助金，因此无需偿还。 触发还款的情形：Repayment calculation based on net proceeds and the homebuyer's capital investment if sold, transferred, or refinanced within five years; 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 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程。 Borrower must be a first-time homebuyer and at least one borrower must meet FHLBank Boston's first-generation definition (parents/legal guardian of at least one borrower do not and have not owned a home in the U.S., OR at least one borrower aged out of foster care). At least one adult borrower must complete first-time homebuyer education/counseling from an FHLBank Boston-approved agency. Maximum asset cap of $150,000. Homebuyer must contribute $1,000 of own funds (not a gift/gift of equity). Eligible properties: owner-occupied primary residences including 1-4 family homes, townhouses, condos, co-ops, and manufactured housing deeded as real estate. Cannot be layered with FHLBank Boston EBP, HOW, or Affordable Housing Program (may be combined with non-FHLBank local/state/federal DPA).

FHLBank Boston 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。 Income no more than 120% of AMI as defined by HUD; 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 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。

FHLBank Boston Lift Up Homeownership服务于在Rhode Island任何地方购房的购房者。

FHLBank Boston Lift Up Homeownership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。