Two Rivers Community Land Trust Homeownership Program

Ang Two Rivers Community Land Trust Homeownership Program ay isang shared-appreciation loan para sa mga bibili ng bahay sa Washington County, Minnesota, na pinangangasiwaan ng 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. Ang pondo ay mula sa Federal, state (Minnesota Housing / MHFA), local, and private affordable-housing funding sources.

Ang Two Rivers Community Land Trust Homeownership Program ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng Two Rivers Community Land Trust (TRCLT). Kailangang bayaran kapag may Community land trust shared-equity model: TRCLT retains ownership of the land; resale price restricted by the ground lease/resale formula to preserve affordability. 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 Two Rivers Community Land Trust Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Two classes required, including TRCLT's own homebuyer class (e.g., Home Stretch / Framework via Minnesota Homeownership Center or partner agencies). Requirement sa paninirahan: 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).

Nililimitahan ng Two Rivers Community Land Trust Homeownership Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. 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.

Ganito nililimitahan ng Two Rivers Community Land Trust Homeownership Program ang presyo ng pagbili: Income-qualified program; if income and assets exceed program limits at any time, the application is disqualified. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family.

Pinaglilingkuran ng Two Rivers Community Land Trust Homeownership Program ang mga bibili ng bahay sa Washington County, Minnesota. Mga target na kapitbahayan: Washington County, Minnesota.

Dumadaan sa Two Rivers Community Land Trust (TRCLT) ang mga aplikasyon para sa Two Rivers Community Land Trust Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng 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. 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.