What people ask us

Working households buying their first home, to live in, in one of the towns the foundation covers. Eligibility is set by published criteria: first-time buyer status, owning the home you live in, and household income that can carry the assisted payment.

Age is never a criterion. The program exists because the gap hits people starting out, but it is open to any eligible first-time buyer.

Enough to bring the monthly payment back toward the share of pay it took before prices and rates jumped. In the worked example, a $500,000 home at 7% with 20% down, that is $174,052 of assistance.

Your amount depends on the home, the rate, your household and the funds available. Your plan in your account shows your own numbers.

The first fund uses recoverable assistance. There is no monthly payment on it. It is repaid, with a share of any rise in the home's value, when you sell or refinance, so the same money can help the next buyer. Your agreement sets out exactly when and how much.

Yes. A lender still makes your first mortgage, and you bring the down payment you have saved. The foundation's assistance closes the monthly gap that remains, so the payment fits a working income.

Nothing. There are no fees to create an account, check your readiness, build a plan or apply.

Documents are stored privately and opened only by staff reviewing your application. Nothing about you is ever published: the transparency page shows totals only. See the privacy section of the legal notice.

Send USDC, cbBTC or ETH on the Base network to the foundation's wallet from the Give page, or connect your own wallet and give in one step. Card and bank gifts are coming.

Gifts will soon qualify for tax incentives. We will update this answer, and write to every sponsor, when they do.

Into the fund's ledger, which is public. It shows what came in, what is held in reserve, what is committed to households, what has been paid out, what has come back, and what the foundation spends to operate.

Yes. Name a town when you give and your gift is counted toward households buying there.

Recoverable assistance is repaid when a home is sold or refinanced, and the repayments fund the next household. The ledger reports recycled capital separately so you can see it working.

Only if you choose. Sponsors are anonymous by default and can opt in to recognition by name, organisation and level.

Because the point is not to send people somewhere cheaper. Good schools, a walkable centre and a train to work are what the previous generation could afford on a working income. The foundation closes the gap so the next one can too.

They can, where supply is tight. The program caps assisted purchase prices relative to each town's median, requires owner-occupancy, uses recoverable assistance, and publishes assisted prices against town medians so the effect is measured rather than assumed.

Applications are assessed against published criteria. Every payment of assistance needs two separate staff approvals, every staff action is recorded in an audit log, and the totals are published on the transparency page.