The First Generation Pilot adds up to $10,000 for buyers who are the first in their family to own a home — defined as never having owned, and never having lived in a home owned by your biological parents or legal guardians. It stacks with the Advantage grant and possible FHLB grants, and is the single biggest lever for many first-time buyers. One Dougherty buyer combined it with a MaineHousing grant and closed for just $2,200 out of pocket.