Diamond State Community Land Trust Homeownership Program

Diamond State Community Land Trust Homeownership Program은(는) Dover, Delaware 주택 구매자를 위한 가치 상승분 공유 대출이며, Diamond State Community Land Trust (a NeighborGood Partners affiliate)에서 운영합니다. Diamond State Community Land Trust (DSCLT), the nation's first statewide community land trust (formed 2006, based in Dover), sells permanently-affordable homes to income-qualified buyers at below-market prices. The trust retains ownership of the underlying land and leases it to the homeowner under a long-term, renewable, inheritable ground lease, lowering the purchase price. When the owner sells, the home must be sold to another income-eligible buyer at a price set by a resale formula in the ground lease, which limits price appreciation to keep the home affordable while still allowing the owner to build some equity. Below-market home purchase price. Permanently affordable homeownership. Land cost removed via 99-year ground lease. Homebuyer education and lender connection. Lifetime stewardship support. Equity-building with resale formula. Home is inheritable by heirs. 재원은 Community land trust model; public and private investment stewarded by DSCLT (over $3 million in public funds preserved to date)에서 나옵니다.

Diamond State Community Land Trust Homeownership Program은(는) 가치 상승분 공유 대출이며 Diamond State Community Land Trust (a NeighborGood Partners affiliate)에서 정한 조건에 따라 상환합니다. 상환 사유: Resale: home must be sold to an income-eligible buyer at a price determined by the ground-lease resale formula; owner retains original equity plus a formula-limited share of appreciation. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Diamond State Community Land Trust Homeownership Program의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: Not published; buyer must qualify for an approved mortgage. 주택 구매자 교육 이수가 필요하며, DSCLT connects buyers to qualifying homebuyer education programs (e.g., HUD-approved counseling such as NeighborGood Partners)을(를) 통해 받습니다. 거주 요건: Home must be in Delaware and owner-occupied; renting the home is not permitted (limited short-term rental exceptions only with prior DSCLT approval). Statewide Delaware CLT selling permanently-affordable homes via a long-term ground lease; verified active in 2026 (41 homes/56 households as of 2025). Buyer must be 18+, income-qualified, complete homebuyer education, keep DTI below 35%, and occupy the home as a primary residence (no renting).

Diamond State Community Land Trust Homeownership Program의 소득 한도는 다음과 같습니다: Buyers must be income-qualified based on a percentage of Area Median Income (AMI); the specific AMI limit is set per home/funding source and is not published as a single statewide table on the official site. Confirm the applicable limit with DSCLT for the specific home. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Diamond State Community Land Trust Homeownership Program의 구매 가격 상한은 다음과 같습니다: Purchase price is set below market on a per-home basis by the trust; no fixed maximum is published. 대상 주택 유형: Single Family.

Diamond State Community Land Trust Homeownership Program은(는) Dover, Delaware에서 주택을 구매하는 주택 구매자를 지원합니다.

Diamond State Community Land Trust Homeownership Program 신청은 Diamond State Community Land Trust (a NeighborGood Partners affiliate)을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Apply through Program Manager; homes purchased as they become available (limited inventory). Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.