Lift Up Homeownership

Lift Up Homeownership是面向Statewide县，Vermont购房者的可免除贷款，由FHLBank Boston管理。 An enhanced down payment and closing cost grant program (launched April 1, 2026) for first-time, first-generation homebuyers earning no more than 120% of area median income. Provides a grant up to $40,000, forgivable after five years. Eligible properties include 1-4 family homes, townhouses, condos, co-ops, and manufactured housing deeded as real estate. Available in Vermont through participating FHLBank Boston members. Grant up to $40,000 for down payment and closing costs; up to 2 points rate buydown; forgivable after 5 years; layerable with non-FHLBB local/state/federal DPA. 资金来自FHLBank Boston。

Lift Up Homeownership提供最高$40,000的援助。 购房者自付部分：Homebuyer must contribute $1,000 of their own funds (not a gift or gift of equity), shown on the purchase & sales agreement。 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。

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：Forgiven 5 years after closing; on sale/transfer/refinance before 5 years FHLBank Boston conducts a repayment calculation based on net proceeds and the buyer's capital investment。 该援助以Subordinate (buyer signs a subordinate mortgage and note securing affordability provisions)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。 “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，由FHLBank Boston-approved homebuyer education/counseling organization (at least one adult borrower)提供。 Launched 4/1/2026; active per FHLBB Member FAQ (1/7/2026). Max grant $40,000 per official FAQ (a secondary source cited $50,000).

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 no more than 120% of area median income; max asset cap of $150,000 (deposits + cash to close). 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可用于1-4 family、townhome、condo、cooperative和manufactured home deeded as real estate。 预制房屋符合条件。

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县，Vermont购房的购房者。

Lift Up Homeownership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。