Community Home Trust - Affordable Homeownership Program

Community Home Trust - Affordable Homeownership Program é um empréstimo com valorização compartilhada para compradores de imóveis em Chapel Hill, North Carolina, administrado por Community Home Trust. 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. Os recursos vêm de Community Home Trust subsidy in partnership with the Town of Chapel Hill, Town of Carrboro, Orange County, Town of Hillsborough, and private/foundation partners.

Community Home Trust - Affordable Homeownership Program é um empréstimo com valorização compartilhada e é reembolsado nas condições definidas por Community Home Trust. O reembolso é acionado por Resale of the home back to Community Home Trust; subsidy retained through the resale formula. A ajuda é registrada como ônus em posição CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment loan. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Community Home Trust - Affordable Homeownership 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 not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. Sobre crédito, o programa afirma: No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. É exigido um curso de educação para compradores de imóveis, por meio de Community Home Trust homebuyer education plus financial counseling with a community partner. 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 Program limita a renda familiar a 115% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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. 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.

Community Home Trust - Affordable Homeownership Program limita o preço de compra assim: No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. Os tipos de imóvel elegíveis incluem Single Family, Townhouse e Condo. Construções novas são elegíveis.

Community Home Trust - Affordable Homeownership Program atende compradores de imóveis que compram em Chapel Hill, North Carolina. Bairros prioritários: CHT-developed neighborhoods in Chapel Hill and Carrboro.

As inscrições para Community Home Trust - Affordable Homeownership Program são feitas por meio de Community Home Trust, 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.