Community Home Trust - Affordable Homeownership Program

Community Home Trust - Affordable Homeownership Program es un préstamo de plusvalía compartida para compradores de vivienda en Chapel Hill, North Carolina, a cargo de 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. Los fondos provienen de 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 es un préstamo de plusvalía compartida y se reembolsa según los términos que fija Community Home Trust. El reembolso se activa por Resale of the home back to Community Home Trust; subsidy retained through the resale formula. La ayuda se registra con un gravamen en posición CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment loan. 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.

Community Home Trust - Affordable Homeownership 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 not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. Sobre el crédito, el programa indica: No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. Se requiere un curso de educación para compradores de vivienda, a través de 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.

Community Home Trust - Affordable Homeownership Program limita el ingreso del hogar al 115% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 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. 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.

Community Home Trust - Affordable Homeownership Program limita el precio de compra así: No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. Los tipos de propiedad elegibles incluyen Single Family, Townhouse y Condo. La construcción nueva es elegible.

Community Home Trust - Affordable Homeownership Program atiende a compradores de vivienda que compran en Chapel Hill, North Carolina. Vecindarios prioritarios: CHT-developed neighborhoods in Chapel Hill and Carrboro.

Las solicitudes de Community Home Trust - Affordable Homeownership Program se tramitan a través de Community Home Trust, 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.