Two Rivers Community Land Trust Homeownership Program

Two Rivers Community Land Trust Homeownership Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في مقاطعة Washington، Minnesota، وتديره Two Rivers Community Land Trust (TRCLT). Two Rivers Community Land Trust buys, rehabilitates, and resells homes in Washington County to income-qualified buyers at below-market prices using the community land trust shared-equity model (the land value is removed from the mortgage). Buyers also gain access to fixed-rate, low-interest financing and down payment assistance. Households must meet MHFA/HUD income limits (~80% AMI) and complete two homebuyer education classes including TRCLT's own. The land remains owned by the trust under a ground lease to keep homes permanently affordable. Below-market purchase price (land removed from mortgage). Access to fixed-rate low-interest financing and down payment assistance. Permanently affordable via CLT ground lease. يأتي التمويل من Federal, state (Minnesota Housing / MHFA), local, and private affordable-housing funding sources.

Two Rivers Community Land Trust Homeownership Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها Two Rivers Community Land Trust (TRCLT). يُستحق السداد عند Community land trust shared-equity model: TRCLT retains ownership of the land; resale price restricted by the ground lease/resale formula to preserve affordability. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Two Rivers Community Land Trust Homeownership Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر Two classes required, including TRCLT's own homebuyer class (e.g., Home Stretch / Framework via Minnesota Homeownership Center or partner agencies). شرط الإقامة: Home must be located in Washington County, Minnesota. Shared-equity Community Land Trust model (not a conventional cash DPA loan); assistance delivered as a reduced purchase price plus access to financing/DPA. Income limits are the 2025 MHFA/HUD figures shown on the official site. Verified ACTIVE as of June 2026; serves Washington County (catalog already has Washington County CDA, but this is a distinct nonprofit CLT program).

يحدد Two Rivers Community Land Trust Homeownership Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. 2025 gross annual income limits by household size (MHFA/HUD): 1-person $72,950; 2-person $83,400; 3-person $93,800; 4-person $104,200; 5+ $106,000. Approximately 80% AMI for Washington County / Minneapolis-St. Paul MSA. 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 Two Rivers Community Land Trust Homeownership Program حدًا لسعر الشراء على النحو التالي: Income-qualified program; if income and assets exceed program limits at any time, the application is disqualified. تشمل أنواع العقارات المؤهلة Single Family.

يخدم Two Rivers Community Land Trust Homeownership Program مشتري المنازل الذين يشترون في مقاطعة Washington، Minnesota. الأحياء المستهدفة: Washington County, Minnesota.

تُقدَّم طلبات Two Rivers Community Land Trust Homeownership Program عبر Two Rivers Community Land Trust (TRCLT)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Income pre-screen, then pre-application; if approved, full application with a CLT-experienced lender and realtor; buyers may be placed on a waiting list for the next available TRCLT home. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.