Community Home Trust - Affordable Homeownership Program

Ang Community Home Trust - Affordable Homeownership Program ay isang shared-appreciation loan para sa mga bibili ng bahay sa Chapel Hill, North Carolina, na pinangangasiwaan ng 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. Ang pondo ay mula sa Community Home Trust subsidy in partnership with the Town of Chapel Hill, Town of Carrboro, Orange County, Town of Hillsborough, and private/foundation partners.

Ang Community Home Trust - Affordable Homeownership Program ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng Community Home Trust. Kailangang bayaran kapag may Resale of the home back to Community Home Trust; subsidy retained through the resale formula. Nakatala ang tulong bilang lien sa posisyong CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment 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 Community Home Trust - Affordable Homeownership 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 not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. Tungkol sa credit, sinasabi ng programa: No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng 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.

Nililimitahan ng Community Home Trust - Affordable Homeownership Program ang kita ng sambahayan sa 115% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. 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 Community Home Trust - Affordable Homeownership Program ang presyo ng pagbili: No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, at Condo. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Community Home Trust - Affordable Homeownership Program ang mga bibili ng bahay sa Chapel Hill, North Carolina. Mga target na kapitbahayan: CHT-developed neighborhoods in Chapel Hill and Carrboro.

Dumadaan sa Community Home Trust ang mga aplikasyon para sa Community Home Trust - Affordable Homeownership 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.