City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)

Ang City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) ay isang shared-appreciation loan para sa mga bibili ng bahay sa Minneapolis, Minnesota, na pinangangasiwaan ng City of Lakes Community Land Trust (CLCLT). The City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) is a buyer-driven, shared-equity program that lets income-eligible buyers select a home in Minneapolis and purchase it with a CLCLT affordability investment, plus a post-purchase deferred-maintenance/rehab investment (up to about $20,000 per buyer). The CLCLT retains ownership of the land via a 99-year ground lease, keeping the home permanently affordable. Households must earn less than 80% AMI at closing and use a CLT-friendly mortgage. Affordability investment increases buying power. Buyer chooses the home. Up to ~$20,000 post-purchase rehab assistance. Permanently affordable via CLT ground lease. Ang pondo ay mula sa City of Minneapolis, Hennepin County, Metropolitan Council (LHIA), and other public/philanthropic affordable-housing funds.

Ang City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng City of Lakes Community Land Trust (CLCLT). Kailangang bayaran kapag may Community land trust shared-equity model: land owned by the trust under a 99-year ground lease; resale price restricted per the ground lease/resale formula rather than a conventional repayable DPA loan. 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 City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng CLCLT pre-purchase education / orientation; attorney review of resale terms required prior to closing. Requirement sa paninirahan: Home must be located in Minneapolis. Shared-equity Community Land Trust model (not a conventional cash DPA loan): assistance delivered as a purchase-price affordability investment with a 99-year ground lease and resale restriction. Specific affordability-investment dollar amounts vary by home and are not fixed on the program page (rehab investment up to ~$20,000). Verified ACTIVE on official CLCLT site as of June 2026.

Nililimitahan ng City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income must be less than 80% AMI at the time of CLCLT HIP closing (Minneapolis-St. Paul-Bloomington MSA). 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.

Magagamit ang City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) para sa Single Family at Duplex.

Pinaglilingkuran ng City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) ang mga bibili ng bahay sa Minneapolis, Minnesota. Mga target na kapitbahayan: City of Minneapolis (citywide).

Dumadaan sa City of Lakes Community Land Trust (CLCLT) ang mga aplikasyon para sa City of Lakes Community Land Trust Homebuyer Initiated Program (HIP), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Buyer completes CLCLT application, attends orientation, obtains mortgage pre-approval through a CLT-friendly lender, then enrolls in HIP. 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.