New River Home Trust (Community Land Trust)

New River Home Trust (Community Land Trust)은(는) Blacksburg, Virginia 주택 구매자를 위한 가치 상승분 공유 대출이며, New River Home Trust (a program of Community Housing Partners)에서 운영합니다. The New River Home Trust (NRHT) is a community land trust created in 2023 in partnership with Montgomery County and the Town of Blacksburg, operating as a program of Community Housing Partners. It develops permanently affordable for-sale homes in Montgomery County, VA for households up to 80%, 100%, or 120% AMI (by property). Buyers purchase only the home and lease the land via a 99-year renewable ground lease ($10-$25/month), removing land cost from the price (first home sold roughly $100,000 below market). Affordability is preserved through an AMI-indexed resale restriction while homeowners still build equity through principal reduction, limited appreciation, and approved improvements. Below-market purchase price via removal of land cost. permanently affordable homeownership. fixed low ground-lease fee ($10-$25, not increased for 99 years). equity through principal and limited appreciation. one-time income qualification. in-house HUD-approved counseling. 재원은 Local government and partner investment (Montgomery County and the Town of Blacksburg); developed with Community Housing Partners and Habitat for Humanity.에서 나옵니다.

New River Home Trust (Community Land Trust)은(는) 가치 상승분 공유 대출이며 New River Home Trust (a program of Community Housing Partners)에서 정한 조건에 따라 상환합니다. 상환 사유: Sale or transfer (restricted resale formula under the ground lease). 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

New River Home Trust (Community Land Trust)의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: No specific minimum published; a $35 soft credit check is performed; staff help buyers become mortgage-ready. 주택 구매자 교육 이수가 필요하며, HUD-approved housing counseling required; Community Housing Partners is a HUD-approved counseling agency and NRHT provides counseling in-house.을(를) 통해 받습니다. 거주 요건: Serves Montgomery County, VA; those who live or work in the New River Valley encouraged to apply. Permanent affordability via CLT ground lease; one-time income qualification at purchase (80/100/120% AMI tier by property); must occupy as primary residence; HUD-approved counseling/education required; finance through an NRHT Approved Lender. Distinct from CHP's statewide DHCD DPA and from Maggie Walker CLT (Richmond).

New River Home Trust (Community Land Trust)은(는) 가구 소득을 지역 중위 소득의 120%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Income qualified once at purchase using HUD AMI for Montgomery County, updated annually; three tiers (80/100/120% AMI). 2026 Montgomery County max household income — 80% AMI 4p $95,700; 100% AMI 4p $119,600; 120% AMI 4p $143,500 (1-8 person tables published). Income may rise after purchase without penalty. 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.

New River Home Trust (Community Land Trust)의 구매 가격 상한은 다음과 같습니다: No fixed maximum; prices set below market via the CLT land-cost subsidy (first NRHT home closed roughly $100,000 below market value). 대상 주택 유형: Single Family. 신축 주택도 대상입니다.

New River Home Trust (Community Land Trust)은(는) Blacksburg, Virginia에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Place-based in Montgomery County, VA (Blacksburg, including a neighborhood near Virginia Tech; Stroubles Ridge). 대상 동네: Montgomery County, VA, including Blacksburg (Stroubles Ridge).

New River Home Trust (Community Land Trust) 신청은 New River Home Trust (a program of Community Housing Partners)을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Application-based; eligibility determination ~48 hours; eligible buyers receive an Eligibility Letter and are matched to available CLT homes. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.