Maggie Walker Community Land Trust Homeownership Program

Maggie Walker Community Land Trust Homeownership Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Richmond، Virginia، وتديره Maggie Walker Community Land Trust. The Maggie Walker Community Land Trust develops and stewards permanently affordable single-family homes for sale to income- and asset-qualified buyers in the Richmond, VA region. MWCLT sells the home while retaining ownership of the underlying land through a 99-year renewable ground lease, lowering the purchase price below market. In exchange, the homeowner agrees to a resale-price restriction tied to growth in the Richmond AMI, keeping the home affordable for future buyers. MWCLT does not issue mortgages or provide down payment assistance directly, but partners with approved lenders and external DPA/education providers. Below-market purchase price on a permanently affordable home. Resale formula lets owners build limited equity tied to AMI growth. One-time subsidy keeps home affordable for future buyers. Connections to external DPA and matched-savings programs. يأتي التمويل من Community Land Trust subsidy (one-time subsidy embedded in the below-market home price; land retained by the trust).

Maggie Walker Community Land Trust Homeownership Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها Maggie Walker Community Land Trust. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Maggie Walker Community Land Trust Homeownership Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Approved lenders require a minimum credit score of 620; applicants below this are referred to credit counseling. يلزم إكمال دورة لمشتري المنازل، عبر HUD-certified homeownership class required; providers include Housing Opportunities Made Equal (HOME of VA), Virginia Housing, and Southside Community Development and Housing Corporation. [Unparsed numeric values moved to notes: max_liquid_assets: Value of applicant's assets may not exceed 25% of the market-appraised value of the home being purchased] Must attend an MWCLT information session; obtain mortgage pre-qualification from an approved lender; combined mortgage + down payment must total at least $150,000; complete a HUD-certified homeownership class. Must agree to the ground lease resale restriction, occupy as primary residence, and may not rent the home.

يحدد Maggie Walker Community Land Trust Homeownership Program دخل الأسرة بما لا يتجاوز 115% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Maximum household income limits at 115% AMI for the Richmond, VA MSA (2025): 1p $91,425; 2p $104,420; 3p $117,530; 4p $130,525; 5p $140,990. Homes reserved for households from 80% AMI (4-person 80% AMI = $90,800) up to 115% AMI. 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.

يمكن استخدام Maggie Walker Community Land Trust Homeownership Program لـSingle Family وTownhouse. المنازل حديثة البناء مؤهلة.

يخدم Maggie Walker Community Land Trust Homeownership Program مشتري المنازل الذين يشترون في Richmond، Virginia. يستهدف البرنامج مناطق محددة: Serves the City of Richmond and the Counties of Chesterfield and Henrico.

تُقدَّم طلبات Maggie Walker Community Land Trust Homeownership Program عبر Maggie Walker Community Land 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.