Community Home Trust - Affordable Homeownership Program

Community Home Trust - Affordable Homeownership Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Chapel Hill، North Carolina، وتديره Community Home Trust. Community Home Trust is a community land trust serving Chapel Hill, Carrboro, and Orange County, NC. Buyers purchase a CHT home (typically 30-50% below market value) and sign a ground lease that limits resale: when an owner sells, the home is sold back to CHT at a price set by a resale/appreciation formula using HUD affordability guidelines, keeping it affordable for the next income-qualified buyer. Down payment assistance is often provided as a no-interest, no-payment loan, and CHT applies subsidy to reduce the first-mortgage amount so housing costs target ~28% of gross monthly income. Homes sold 30-50% below market value. No-interest, no-payment down payment assistance loan. Subsidy reduces first mortgage so housing costs target ~28% of income. In-house licensed agents assist buyers at no cost. يأتي التمويل من Community Home Trust subsidy in partnership with the Town of Chapel Hill, Town of Carrboro, Orange County, Town of Hillsborough, and private/foundation partners.

Community Home Trust - Affordable Homeownership Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها Community Home Trust. يُستحق السداد عند Resale of the home back to Community Home Trust; subsidy retained through the resale formula. تُسجَّل المساعدة في مرتبة الرهن: CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment loan. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Community Home Trust - Affordable Homeownership Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Must not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. بشأن الائتمان، ينص البرنامج على: No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. يلزم إكمال دورة لمشتري المنازل، عبر Community Home Trust homebuyer education plus financial counseling with a community partner. Buyer signs a ground lease; the home must be sold back to Community Home Trust when the owner moves and cannot be resold on the private market. Resale price set by CHT formula based on tenure and appreciation model using HUD affordability guidelines (limited/shared-appreciation). Buyer pays two ongoing monthly fees (ground lease/use fee and Stewardship Fee) for the life of ownership, included in the 30% housing-cost cap. DPA/subsidy is a no-interest, no-payment loan. Assets under $20,000 (excluding retirement) fully eligible; $20,000-$100,000 may buy but cannot receive new subsidies; over $100,000 not eligible unless age 65+ or permanently disabled. Resale typically 4-6 months; $400 refundable resale request fee. Gifts allowed up to $10,000; no co-signers. Must use a CHT-approved lender. Applicants 80-115% AMI limited to unsubsidized inventory only.

يحدد Community Home Trust - Affordable Homeownership Program دخل الأسرة بما لا يتجاوز 115% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Most homes reserved for households <=80% AMI; some available up to 115% AMI (80-115% limited to unsubsidized homes). Minimum household income $45,000. 2026 (Durham-Chapel Hill NC HUD Metro, MFI $129,900, eff. May 1, 2026) 80% AMI: 1=$71,200; 2=$81,400; 3=$91,550; 4=$101,700; 5=$109,850; 6=$118,000; 7=$126,150. 115% AMI: 1=$102,350; 4=$146,194. 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 Community Home Trust - Affordable Homeownership Program حدًا لسعر الشراء على النحو التالي: No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. تشمل أنواع العقارات المؤهلة Single Family، Townhouse وCondo. المنازل حديثة البناء مؤهلة.

يخدم Community Home Trust - Affordable Homeownership Program مشتري المنازل الذين يشترون في Chapel Hill، North Carolina. الأحياء المستهدفة: CHT-developed neighborhoods in Chapel Hill and Carrboro.

تُقدَّم طلبات Community Home Trust - Affordable Homeownership Program عبر Community Home Trust، 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.