Diamond State Community Land Trust Homeownership Program

Diamond State Community Land Trust Homeownership Program es un préstamo de plusvalía compartida para compradores de vivienda en Dover, Delaware, a cargo de 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. Los fondos provienen de 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 es un préstamo de plusvalía compartida y se reembolsa según los términos que fija Diamond State Community Land Trust (a NeighborGood Partners affiliate). El reembolso se activa por 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. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Diamond State Community Land Trust Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Not published; buyer must qualify for an approved mortgage. Se requiere un curso de educación para compradores de vivienda, a través de DSCLT connects buyers to qualifying homebuyer education programs (e.g., HUD-approved counseling such as NeighborGood Partners). Requisito de residencia: 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).

Diamond State Community Land Trust Homeownership Program fija su límite de ingresos así: 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. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Diamond State Community Land Trust Homeownership Program limita el precio de compra así: Purchase price is set below market on a per-home basis by the trust; no fixed maximum is published. Los tipos de propiedad elegibles incluyen Single Family.

Diamond State Community Land Trust Homeownership Program atiende a compradores de vivienda que compran en Dover, Delaware.

Las solicitudes de Diamond State Community Land Trust Homeownership Program se tramitan a través de Diamond State Community Land Trust (a NeighborGood Partners affiliate), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Apply through Program Manager; homes purchased as they become available (limited inventory). Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.