Community Home Trust - Affordable Homeownership Program

Community Home Trust - Affordable Homeownership Program è un prestito a rivalutazione condivisa per chi compra casa in Chapel Hill, North Carolina, gestito da 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. I fondi provengono da 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 è un prestito a rivalutazione condivisa e si restituisce secondo le condizioni fissate da Community Home Trust. Il rimborso scatta in caso di Resale of the home back to Community Home Trust; subsidy retained through the resale formula. L'aiuto è iscritto in posizione CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment loan. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

Community Home Trust - Affordable Homeownership Program è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: Must not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. Sul credito, il programma afferma: No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. È richiesto un corso per chi compra casa, tramite 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 il reddito familiare al 115% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. 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. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

Community Home Trust - Affordable Homeownership Program limita il prezzo di acquisto così: No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. I tipi di immobile idonei includono Single Family, Townhouse e Condo. Le nuove costruzioni sono idonee.

Community Home Trust - Affordable Homeownership Program si rivolge a chi compra casa in Chapel Hill, North Carolina. Quartieri interessati: CHT-developed neighborhoods in Chapel Hill and Carrboro.

Le domande per Community Home Trust - Affordable Homeownership Program passano da Community Home Trust, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.