Litchfield County Affordable Homeownership Program (LC-AHP)

Ang Litchfield County Affordable Homeownership Program (LC-AHP) ay isang shared-appreciation loan para sa mga bibili ng bahay sa Salisbury, Cornwall, Norfolk, Washington (scattered-site), Connecticut, na pinangangasiwaan ng Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective). A shared-equity / community land trust homeownership program coordinated by the Litchfield County Center for Housing Opportunity that built 10 new 3-bedroom homes on scattered sites in five Litchfield County towns. Homes are sold to income-eligible first-time buyers (at or below 100% county AMI) for $250,000-$300,000, a price that includes an embedded ~$25,000 forgivable down payment assistance loan. The land is owned by a local housing nonprofit and leased to the homeowner under a long-term ground lease with a resale formula. Brand-new energy-efficient 3BR home well below market. Embedded ~$25,000 forgivable DPA. Long-term affordability. Reduced property tax. Ang pondo ay mula sa Connecticut Department of Housing, plus town and nonprofit contributions; construction loans by Capital for Change.

Nag-aalok ang Litchfield County Affordable Homeownership Program (LC-AHP) ng tulong na hanggang $25,000. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective) ang nagpapasya sa anumang indibidwal na award.

Ang Litchfield County Affordable Homeownership Program (LC-AHP) ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective). Kailangang bayaran kapag may Resale governed by ground-lease resale formula; home must be resold at a price affordable to a household at/below 100% AMI. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Litchfield County Affordable Homeownership Program (LC-AHP) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time buyer = no household member has had ownership interest in a principal residence during the past 3 years. Tungkol sa credit, sinasabi ng programa: Not published; applicant must pre-qualify for a mortgage of at least $200,000. Active but nearly fully subscribed: as of source, only 1 home remains (16 Dark Entry Road, Cornwall), completing June 2026. Must submit a mortgage pre-qualification letter with the pre-application. Selection by lottery if multiple eligible applicants. Embedded DPA forgiveness/lien details not published - confirm via sample ground lease.

Nililimitahan ng Litchfield County Affordable Homeownership Program (LC-AHP) ang kita ng sambahayan sa 100% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total gross annual household income at or below 100% of Litchfield County AMI (approx. $93,000 for a 2-person household per 2024 HOME limits); practical floor ~60% AMI to support the mortgage. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng Litchfield County Affordable Homeownership Program (LC-AHP) ang presyo ng pagbili sa $300,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Litchfield County Affordable Homeownership Program (LC-AHP) ang mga bibili ng bahay sa Salisbury, Cornwall, Norfolk, Washington (scattered-site), Connecticut. Tinutukoy ng programa ang mga partikular na lugar: Specific scattered-site addresses in Salisbury, Cornwall, Norfolk and Washington, CT (Litchfield County). Mga target na kapitbahayan: Salisbury, Cornwall, Norfolk, Washington (CT).

Dumadaan sa Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective) ang mga aplikasyon para sa Litchfield County Affordable Homeownership Program (LC-AHP), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Pre-application then full application; if multiple eligible households want the same home, selection is by lottery. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.