DCLT Permanently Affordable Homeownership Program (Community Land Trust)

Ang DCLT Permanently Affordable Homeownership Program (Community Land Trust) ay isang shared-appreciation loan para sa mga bibili ng bahay sa Durham, North Carolina, na pinangangasiwaan ng Durham Community Land Trustees, Inc. Durham Community Land Trustees provides permanently affordable homeownership through the community land trust shared-equity model. DCLT retains ownership of the land (leased to the homeowner for 99 years, renewable, at a low monthly fee) while the buyer owns the home. A resale formula limits the seller's share of appreciation (25-45%) so homes stay affordable. Buyers must earn at or below 80% AMI for Durham County, occupy as primary residence, qualify for a partner-lender mortgage, and complete land trust orientation plus HUD-certified homebuyer education. Below-market purchase prices on permanently affordable homes. low monthly land-lease fee. build limited equity (25-45% of appreciation). ongoing DCLT stewardship. Ang pondo ay mula sa Partners include City of Durham, Durham County, NC Dept of Housing, Wells Fargo, PNC Bank, Coastal Credit Union Foundation, Burt's Bees Foundation, The Conservation Fund, NALCAB.

Ang DCLT Permanently Affordable Homeownership Program (Community Land Trust) ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng Durham Community Land Trustees, Inc.. Kailangang bayaran kapag may Resale of the home; DCLT retains a repurchase option. Homeowner receives original price plus 25-45% of appraised appreciation. 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 DCLT Permanently Affordable Homeownership Program (Community Land Trust) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Not stated; buyer must qualify for a mortgage through a partner lender. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng DCLT land trust orientation plus HUD-certified homebuyer education (locally led by DHIC). Shared-equity CLT, not cash DPA. Assistance amount/percentage, interest rate, lien position, credit, DTI, min contribution not published (left blank). Exact shared-equity percentage per sale (within 25-45%) not specified online. No standalone guidelines PDF on site; income limits and resale formula are on-page content.

Nililimitahan ng DCLT Permanently Affordable Homeownership Program (Community Land Trust) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total household income at or below 80% AMI for Durham County. 2026 80% AMI limits: 1=$71,200; 2=$81,400; 3=$91,550; 4=$101,700; 5=$109,850; 6=$118,000. 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 DCLT Permanently Affordable Homeownership Program (Community Land Trust) ang presyo ng pagbili: Set per home; current listings $248,000-$280,000 (resale-restricted). No published program-wide max. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family at Townhouse. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng DCLT Permanently Affordable Homeownership Program (Community Land Trust) ang mga bibili ng bahay sa Durham, North Carolina. Tinutukoy ng programa ang mga partikular na lugar: DCLT properties concentrated in Durham neighborhoods: West End, Southside & Hayti, East Durham, Central Durham, Lakewood Park, plus Everton, Carpenter Falls, ECO Grace.

Dumadaan sa Durham Community Land Trustees, Inc. ang mga aplikasyon para sa DCLT Permanently Affordable Homeownership Program (Community Land Trust), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Attend a free homebuyer info session, complete land trust orientation and HUD-certified homebuyer education, then apply; waitlist available. 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.