Maggie Walker Community Land Trust Homeownership Program

Maggie Walker Community Land Trust Homeownership Program es un préstamo de plusvalía compartida para compradores de vivienda en Richmond, Virginia, a cargo de 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. Los fondos provienen de 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 es un préstamo de plusvalía compartida y se reembolsa según los términos que fija Maggie Walker Community Land Trust. 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.

Maggie Walker 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: Approved lenders require a minimum credit score of 620; applicants below this are referred to credit counseling. Se requiere un curso de educación para compradores de vivienda, a través de 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.

Maggie Walker Community Land Trust Homeownership Program limita el ingreso del hogar al 115% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 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. 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.

Maggie Walker Community Land Trust Homeownership Program se puede usar para Single Family y Townhouse. La construcción nueva es elegible.

Maggie Walker Community Land Trust Homeownership Program atiende a compradores de vivienda que compran en Richmond, Virginia. El programa se dirige a áreas específicas: Serves the City of Richmond and the Counties of Chesterfield and Henrico.

Las solicitudes de Maggie Walker Community Land Trust Homeownership Program se tramitan a través de Maggie Walker Community Land 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.