Housing Our Workforce (HOW)

Housing Our Workforce (HOW)是面向Statewide县，Vermont购房者的可免除贷款，由FHLBank Boston管理。 A matching-grant down payment and closing cost program for homebuyers earning above 80% and up to 120% of area median income. Provides a 2-to-1 match of the homebuyer's down payment, max grant up to $25,000 for 2026. Grants are forgivable after five years. Available in Vermont through participating FHLBank Boston members. 2:1 match of the homebuyer's down payment; max grant up to $25,000 (2026); for down payment, closing costs, and up to 2 points of rate buydown; forgivable after 5 years. 资金来自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FHLBank Boston决定。

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：Forgiven 5 years after closing; repayment calculated on sale/transfer/refinance before 5 years (per FHLBank Boston repayment calculation)。 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。

Housing Our Workforce (HOW)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由FHLBank Boston-approved homebuyer counseling organization (first-time homebuyers only)提供。 $25,000 max & 2:1 match per FHLBB HOW resources (2026).

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。 Household income above 80% and up to 120% of area median income. 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。

Housing Our Workforce (HOW)服务于在Statewide县，Vermont购房的购房者。

Housing Our Workforce (HOW)的申请通过FHLBank Boston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。