Equity Builder Program


Get Help With Your Down Payment & Closing Costs

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Down Payment Assistance
for Homeownership

The Equity Builder Program* (EBP), funded by the Federal Home Loan Bank of Boston (FHLB) is available at Rollstone Bank & Trust! It provides eligible first-time homebuyers with up to $30,806 in assistance towards your down payment, closing costs, or rehabilitation assistance. The grant does not need to be repaid, as long as you don't sell your home during the first five years of ownership.

The number of available grants is limited, and awarded on a first-come, first-served basis.


  • Households earning 80% or less of the HUD area median income of their future property are eligible to apply.
  • The future property must be a one- to four-family, owner-occupied, primary residence.
  • Buyers must complete a first time homebuyer class.

Find Out if You Qualify

Contact us today about the Equity Builder Program. We’ll be able to tell you if you qualify. If you do, we’ll be glad to help you with the EBP grant application.


*Grant is provided by the Federal Home Loan Bank of Boston. Buyers eligible to receive assistance are individuals and households earning no more than 80% of the HUD area median income, based on their future address. Buyers must complete an EBP-approved first time homebuyer class. Interest would not accrue on the grant and the proceeds would only be due if the property is sold within the first five years of homeownership. Borrower must be a first time homebuyer.

Find Out More

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