Community Home Trust - Affordable Homeownership Program

Community Home Trust - Affordable Homeownership Program은(는) Chapel Hill, North Carolina 주택 구매자를 위한 가치 상승분 공유 대출이며, Community Home Trust에서 운영합니다. 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. 재원은 Community Home Trust subsidy in partnership with the Town of Chapel Hill, Town of Carrboro, Orange County, Town of Hillsborough, and private/foundation partners에서 나옵니다.

Community Home Trust - Affordable Homeownership Program은(는) 가치 상승분 공유 대출이며 Community Home Trust에서 정한 조건에 따라 상환합니다. 상환 사유: Resale of the home back to Community Home Trust; subsidy retained through the resale formula. 지원금은 CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment loan 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Community Home Trust - Affordable Homeownership Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Must not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. 신용에 대해 프로그램은 다음과 같이 명시합니다: No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. 주택 구매자 교육 이수가 필요하며, Community Home Trust homebuyer education plus financial counseling with a community partner.을(를) 통해 받습니다. 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 Program은(는) 가구 소득을 지역 중위 소득의 115%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. 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. 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.

Community Home Trust - Affordable Homeownership Program의 구매 가격 상한은 다음과 같습니다: No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. 대상 주택 유형: Single Family, Townhouse 및 Condo. 신축 주택도 대상입니다.

Community Home Trust - Affordable Homeownership Program은(는) Chapel Hill, North Carolina에서 주택을 구매하는 주택 구매자를 지원합니다. 대상 동네: CHT-developed neighborhoods in Chapel Hill and Carrboro.

Community Home Trust - Affordable Homeownership Program 신청은 Community Home Trust을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.