Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program es ayuda para el pago inicial para compradores de vivienda en Lawrence, Kansas, a cargo de Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT). The Lawrence Community Housing Trust (LCHT), operated by Tenants to Homeowners, sells new and rehabilitated homes to income-eligible buyers at approximately $50,000-$75,000 below market appraisal value using a community land trust model. Buyers own the structure while LCHT retains land ownership under a $30/month ground lease. Benefits include minimal down payment (5% of gross income), closing cost assistance up to $4,000, no PMI, fixed-rate financing, and resale-price restrictions that preserve affordability in perpetuity. ~$75,000 average price subsidy below market. Down payment = 5% of annual gross income (often under $2,000). Closing cost assistance up to $4,000. No PMI. No foreclosures in program history. $25/month maintenance savings account. Los fondos provienen de Federal, State, and other grant funding or donations.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program ofrece hasta $75,000 de ayuda. Aporte del comprador de vivienda: Down payment = 5% of annual gross income (e.g., $31K income = under $2,000 down). Required maintenance savings account of $25/month. Los montos son los máximos publicados por el programa, no una oferta: Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT) determina cualquier ayuda individual.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program es ayuda para el pago inicial y se reembolsa según los términos que fija Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT). El reembolso se activa por Resale restricted per CLT ground lease formula (25% of market appreciation returned to buyer; remainder supports future affordability). Land leased at $30/month. 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.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: Must be first-time buyer or not have owned for 3 years per standard CLT policy. Sobre el crédito, el programa indica: Credit score of 670 or higher required. No bankruptcies in last 2 years. Good bill pay within last 2 years. Se requiere un curso de educación para compradores de vivienda, a través de TTH homebuyer workshop required. Budget and/or credit counseling from Housing and Credit Counseling Inc. (HCCI) required prior to purchase decision. Requisito de residencia: Lawrence, KS / Douglas County area. Community land trust model; restricted resale formula limits appreciation but enables homeownership. No homes currently listed as of June 2026 (sold properties shown on site). Buyers must attend TTH homebuyer workshop and receive HCCI counseling. Income limits updated annually. Homes owner-occupied; not available to investors or landlords.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. At or below 80% of Lawrence median family income per HUD guidelines. Updated May 2025: 1-person $77,300; 2-person $88,400; 3-person $99,400; 4-person $110,400; next update June 2026. 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.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program limita el precio de compra así: Homes sold at approximately $50,000-$75,000 below market appraisal value. Recent sold properties around $125,000. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program atiende a compradores de vivienda que compran en Lawrence, Kansas. El programa se dirige a áreas específicas: Lawrence, Kansas and greater Douglas County.

Las solicitudes de Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program se tramitan a través de Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. 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.