Two Rivers Community Land Trust Homeownership Program

Two Rivers Community Land Trust Homeownership Program es un préstamo de plusvalía compartida para compradores de vivienda en Condado de Washington, Minnesota, a cargo de 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. Los fondos provienen de Federal, state (Minnesota Housing / MHFA), local, and private affordable-housing funding sources.

Two Rivers Community Land Trust Homeownership Program es un préstamo de plusvalía compartida y se reembolsa según los términos que fija Two Rivers Community Land Trust (TRCLT). El reembolso se activa por Community land trust shared-equity model: TRCLT retains ownership of the land; resale price restricted by the ground lease/resale formula to preserve affordability. 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.

Two Rivers Community Land Trust Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Se requiere un curso de educación para compradores de vivienda, a través de Two classes required, including TRCLT's own homebuyer class (e.g., Home Stretch / Framework via Minnesota Homeownership Center or partner agencies). Requisito de residencia: 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).

Two Rivers Community Land Trust Homeownership Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 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. 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.

Two Rivers Community Land Trust Homeownership Program limita el precio de compra así: Income-qualified program; if income and assets exceed program limits at any time, the application is disqualified. Los tipos de propiedad elegibles incluyen Single Family.

Two Rivers Community Land Trust Homeownership Program atiende a compradores de vivienda que compran en Condado de Washington, Minnesota. Vecindarios prioritarios: Washington County, Minnesota.

Las solicitudes de Two Rivers Community Land Trust Homeownership Program se tramitan a través de Two Rivers Community Land Trust (TRCLT), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de 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 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.