Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program é ajuda para a entrada para compradores de imóveis em Lawrence, Kansas, administrado por Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT). The Lawrence Community Housing Trust (LCHT), operated by Tenants to Homeowners, sells new and rehabilitated homes to income-eligible buyers at approximately $50,000-$75,000 below market appraisal value using a community land trust model. Buyers own the structure while LCHT retains land ownership under a $30/month ground lease. Benefits include minimal down payment (5% of gross income), closing cost assistance up to $4,000, no PMI, fixed-rate financing, and resale-price restrictions that preserve affordability in perpetuity. ~$75,000 average price subsidy below market. Down payment = 5% of annual gross income (often under $2,000). Closing cost assistance up to $4,000. No PMI. No foreclosures in program history. $25/month maintenance savings account. Os recursos vêm de Federal, State, and other grant funding or donations.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program oferece até $75,000 de ajuda. Contribuição do comprador de imóvel: Down payment = 5% of annual gross income (e.g., $31K income = under $2,000 down). Required maintenance savings account of $25/month. Os valores são os máximos publicados pelo programa, não uma oferta — Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT) define qualquer ajuda individual.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program é ajuda para a entrada e é reembolsado nas condições definidas por Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT). O reembolso é acionado por Resale restricted per CLT ground lease formula (25% of market appreciation returned to buyer; remainder supports future affordability). Land leased at $30/month. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: Must be first-time buyer or not have owned for 3 years per standard CLT policy. Sobre crédito, o programa afirma: Credit score of 670 or higher required. No bankruptcies in last 2 years. Good bill pay within last 2 years. É exigido um curso de educação para compradores de imóveis, por meio de TTH homebuyer workshop required. Budget and/or credit counseling from Housing and Credit Counseling Inc. (HCCI) required prior to purchase decision. Requisito de residência: Lawrence, KS / Douglas County area. Community land trust model; restricted resale formula limits appreciation but enables homeownership. No homes currently listed as of June 2026 (sold properties shown on site). Buyers must attend TTH homebuyer workshop and receive HCCI counseling. Income limits updated annually. Homes owner-occupied; not available to investors or landlords.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. At or below 80% of Lawrence median family income per HUD guidelines. Updated May 2025: 1-person $77,300; 2-person $88,400; 3-person $99,400; 4-person $110,400; next update June 2026. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program limita o preço de compra assim: Homes sold at approximately $50,000-$75,000 below market appraisal value. Recent sold properties around $125,000. Os tipos de imóvel elegíveis incluem Single Family. Construções novas são elegíveis. Casas pré-fabricadas não são elegíveis.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program atende compradores de imóveis que compram em Lawrence, Kansas. O programa é voltado para áreas específicas: Lawrence, Kansas and greater Douglas County.

As inscrições para Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program são feitas por meio de Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT), que publica as condições atuais e as etapas da inscrição no próprio site. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.