Two Rivers Community Land Trust Homeownership Program

Two Rivers Community Land Trust Homeownership Program é um empréstimo com valorização compartilhada para compradores de imóveis em Condado de Washington, Minnesota, administrado por Two Rivers Community Land Trust (TRCLT). Two Rivers Community Land Trust buys, rehabilitates, and resells homes in Washington County to income-qualified buyers at below-market prices using the community land trust shared-equity model (the land value is removed from the mortgage). Buyers also gain access to fixed-rate, low-interest financing and down payment assistance. Households must meet MHFA/HUD income limits (~80% AMI) and complete two homebuyer education classes including TRCLT's own. The land remains owned by the trust under a ground lease to keep homes permanently affordable. Below-market purchase price (land removed from mortgage). Access to fixed-rate low-interest financing and down payment assistance. Permanently affordable via CLT ground lease. Os recursos vêm de Federal, state (Minnesota Housing / MHFA), local, and private affordable-housing funding sources.

Two Rivers Community Land Trust Homeownership Program é um empréstimo com valorização compartilhada e é reembolsado nas condições definidas por Two Rivers Community Land Trust (TRCLT). O reembolso é acionado por Community land trust shared-equity model: TRCLT retains ownership of the land; resale price restricted by the ground lease/resale formula to preserve affordability. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Two Rivers Community Land Trust Homeownership Program é aberto a compradores de imóveis que vão morar no imóvel como residência principal. É exigido um curso de educação para compradores de imóveis, por meio de Two classes required, including TRCLT's own homebuyer class (e.g., Home Stretch / Framework via Minnesota Homeownership Center or partner agencies). Requisito de residência: Home must be located in Washington County, Minnesota. Shared-equity Community Land Trust model (not a conventional cash DPA loan); assistance delivered as a reduced purchase price plus access to financing/DPA. Income limits are the 2025 MHFA/HUD figures shown on the official site. Verified ACTIVE as of June 2026; serves Washington County (catalog already has Washington County CDA, but this is a distinct nonprofit CLT program).

Two Rivers Community Land Trust Homeownership Program limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. 2025 gross annual income limits by household size (MHFA/HUD): 1-person $72,950; 2-person $83,400; 3-person $93,800; 4-person $104,200; 5+ $106,000. Approximately 80% AMI for Washington County / Minneapolis-St. Paul MSA. O limite vale para a renda total da família, não só a do mutuário. 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.

Two Rivers Community Land Trust Homeownership Program limita o preço de compra assim: Income-qualified program; if income and assets exceed program limits at any time, the application is disqualified. Os tipos de imóvel elegíveis incluem Single Family.

Two Rivers Community Land Trust Homeownership Program atende compradores de imóveis que compram em Condado de Washington, Minnesota. Bairros prioritários: Washington County, Minnesota.

As inscrições para Two Rivers Community Land Trust Homeownership Program são feitas por meio de Two Rivers Community Land Trust (TRCLT), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Income pre-screen, then pre-application; if approved, full application with a CLT-experienced lender and realtor; buyers may be placed on a waiting list for the next available TRCLT home. 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.