Newtown Community Land Trust (CLT) Program

Newtown Community Land Trust (CLT) Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Tempe، Arizona، وتديره Newtown Community Development Corporation. Newtown's Community Land Trust (CLT) is a permanently affordable homeownership program operated by Newtown Community Development Corporation, the oldest and largest CLT in Arizona, serving Maricopa County. Newtown uses city/county grant funds to buy or build homes and sells them below market value to income-qualified first-time buyers, who purchase only the house while Newtown retains the land under a 99-year renewable ground lease. To preserve affordability, resales follow a shared-appreciation formula in which Newtown repurchases the home for the original price plus 25 percent of the appreciation. Buyers must complete homebuyer education, earn at or below 80 percent AMI (some resales up to 120 percent), and contribute at least $2,500. Homes sold below market value with price based on an affordable monthly payment. Each home refurbished move-in ready. Homebuyer education, counseling, and financial coaching included. Buyer keeps 25 percent of appreciation at resale. May rent out individual rooms while owner-occupying.

Newtown Community Land Trust (CLT) Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها Newtown Community Development Corporation. تُسجَّل المساعدة في مرتبة الرهن: Other (99-year renewable ground lease). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Newtown Community Land Trust (CLT) Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Must be a first-time homebuyer or not have owned a home in the past 3 years; exceptions for a single parent who owned only with a former spouse while married, or a displaced homemaker who owned only with a spouse. يلزم إكمال دورة لمشتري المنازل، عبر Newtown Community Development Corporation (homebuyer education and housing counseling). Buyer must qualify for a conventional mortgage through a participating lender. Newtown holds a Right of First Refusal on resale and must approve all mortgages, encumbrances, and refinances. Assistance is delivered as a below-market sale price; there is no fixed dollar assistance amount (varies per home). GAP: minimum credit score not stated on primary sources. GAP: maximum DTI not stated. GAP: specific maximum purchase price not published (set per home based on affordability). GAP: annual funding cap / reservation system not published. GAP: CLT-specific intake email and participating lender list not published. GAP: required mortgage term not specified.

يحدد Newtown Community Land Trust (CLT) Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Most CLT homes sold only to households at or below 80 percent of HUD Area Median Income (adjusted by family size); some resales up to 120 percent AMI. June 2025 (Phoenix-Mesa-Scottsdale MSA / Maricopa County) 80 percent AMI: 1 person $62,850; 2 $71,800; 3 $80,800; 4 $89,750; 5 $96,950; 6 $104,150; 7 $111,300; 8 $118,500. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام Newtown Community Land Trust (CLT) Program لـSingle Family.

يخدم Newtown Community Land Trust (CLT) Program مشتري المنازل الذين يشترون في Tempe، Arizona.

تُقدَّم طلبات Newtown Community Land Trust (CLT) Program عبر Newtown Community Development Corporation، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.