Diamond State Community Land Trust Homeownership Program

Diamond State Community Land Trust Homeownership Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Dover، Delaware، وتديره Diamond State Community Land Trust (a NeighborGood Partners affiliate). Diamond State Community Land Trust (DSCLT), the nation's first statewide community land trust (formed 2006, based in Dover), sells permanently-affordable homes to income-qualified buyers at below-market prices. The trust retains ownership of the underlying land and leases it to the homeowner under a long-term, renewable, inheritable ground lease, lowering the purchase price. When the owner sells, the home must be sold to another income-eligible buyer at a price set by a resale formula in the ground lease, which limits price appreciation to keep the home affordable while still allowing the owner to build some equity. Below-market home purchase price. Permanently affordable homeownership. Land cost removed via 99-year ground lease. Homebuyer education and lender connection. Lifetime stewardship support. Equity-building with resale formula. Home is inheritable by heirs. يأتي التمويل من Community land trust model; public and private investment stewarded by DSCLT (over $3 million in public funds preserved to date).

Diamond State Community Land Trust Homeownership Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها Diamond State Community Land Trust (a NeighborGood Partners affiliate). يُستحق السداد عند Resale: home must be sold to an income-eligible buyer at a price determined by the ground-lease resale formula; owner retains original equity plus a formula-limited share of appreciation. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Diamond State Community Land Trust Homeownership Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Not published; buyer must qualify for an approved mortgage. يلزم إكمال دورة لمشتري المنازل، عبر DSCLT connects buyers to qualifying homebuyer education programs (e.g., HUD-approved counseling such as NeighborGood Partners). شرط الإقامة: Home must be in Delaware and owner-occupied; renting the home is not permitted (limited short-term rental exceptions only with prior DSCLT approval). Statewide Delaware CLT selling permanently-affordable homes via a long-term ground lease; verified active in 2026 (41 homes/56 households as of 2025). Buyer must be 18+, income-qualified, complete homebuyer education, keep DTI below 35%, and occupy the home as a primary residence (no renting).

يحدد Diamond State Community Land Trust Homeownership Program حد الدخل على النحو التالي: Buyers must be income-qualified based on a percentage of Area Median Income (AMI); the specific AMI limit is set per home/funding source and is not published as a single statewide table on the official site. Confirm the applicable limit with DSCLT for the specific home. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Diamond State Community Land Trust Homeownership Program حدًا لسعر الشراء على النحو التالي: Purchase price is set below market on a per-home basis by the trust; no fixed maximum is published. تشمل أنواع العقارات المؤهلة Single Family.

يخدم Diamond State Community Land Trust Homeownership Program مشتري المنازل الذين يشترون في Dover، Delaware.

تُقدَّم طلبات Diamond State Community Land Trust Homeownership Program عبر Diamond State Community Land Trust (a NeighborGood Partners affiliate)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Apply through Program Manager; homes purchased as they become available (limited inventory). Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.