Community Home Trust - Affordable Homeownership Program

Community Home Trust - Affordable Homeownership Program est un prêt à plus-value partagée pour les futurs propriétaires de Chapel Hill, North Carolina, sous la gestion 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. Le financement provient 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 est un prêt à plus-value partagée, remboursable selon les conditions fixées par Community Home Trust. Le remboursement est déclenché par Resale of the home back to Community Home Trust; subsidy retained through the resale formula. L’aide est inscrite au rang suivant : CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment loan. Les conditions d’annulation et de remboursement sont fixées par le programme et peuvent changer — vérifiez-les sur la page officielle du programme avant de déposer une demande.

Community Home Trust - Affordable Homeownership Program est ouvert à les primo-accédants et les futurs propriétaires qui occuperont le logement comme résidence principale. « Primo-accédant » comporte ici des exceptions : Must not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. Au sujet du crédit, le programme précise : No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. Un cours pour futurs propriétaires est obligatoire, auprès 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 plafonne le revenu du ménage à 115 % du revenu médian de la zone, qui varie selon le comté et la taille du ménage. 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. Le plafond s’applique au revenu total du ménage, pas seulement à celui de l’emprunteur. Les chiffres du revenu médian de la zone sont publiés par HUD et mis à jour chaque année : consultez le tableau en vigueur pour le comté avant de vous fier à un chiffre.

Community Home Trust - Affordable Homeownership Program plafonne le prix d’achat ainsi : No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. Les types de logements admissibles comprennent Single Family, Townhouse et Condo. Les constructions neuves sont admissibles.

Community Home Trust - Affordable Homeownership Program s’adresse aux futurs propriétaires qui achètent à Chapel Hill, North Carolina. Quartiers ciblés : CHT-developed neighborhoods in Chapel Hill and Carrboro.

Les demandes pour Community Home Trust - Affordable Homeownership Program passent par Community Home Trust, qui publie les conditions en vigueur et les étapes de la demande sur son propre site. Hey Prescott n’est pas un prêteur et n’accepte pas de demandes ; cette page décrit le programme pour qu’un futur propriétaire puisse en parler à un prêteur ou à un conseiller en logement.