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

Ang Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program ay tulong sa down payment para sa mga bibili ng bahay sa Lawrence, Kansas, na pinangangasiwaan ng 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. Ang pondo ay mula sa Federal, State, and other grant funding or donations.

Nag-aalok ang Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program ng tulong na hanggang $75,000. Ambag ng bibili ng bahay: Down payment = 5% of annual gross income (e.g., $31K income = under $2,000 down). Required maintenance savings account of $25/month. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT) ang nagpapasya sa anumang indibidwal na award.

Ang Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program ay tulong sa down payment at binabayaran ayon sa mga tuntuning itinakda ng Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT). Kailangang bayaran kapag may Resale restricted per CLT ground lease formula (25% of market appreciation returned to buyer; remainder supports future affordability). Land leased at $30/month. 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 Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program 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": Must be first-time buyer or not have owned for 3 years per standard CLT policy. Tungkol sa credit, sinasabi ng programa: Credit score of 670 or higher required. No bankruptcies in last 2 years. Good bill pay within last 2 years. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng TTH homebuyer workshop required. Budget and/or credit counseling from Housing and Credit Counseling Inc. (HCCI) required prior to purchase decision. Requirement sa paninirahan: 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.

Nililimitahan ng Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. 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.

Ganito nililimitahan ng Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program ang presyo ng pagbili: Homes sold at approximately $50,000-$75,000 below market appraisal value. Recent sold properties around $125,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program ang mga bibili ng bahay sa Lawrence, Kansas. Tinutukoy ng programa ang mga partikular na lugar: Lawrence, Kansas and greater Douglas County.

Dumadaan sa Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT) ang mga aplikasyon para sa Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.