Newtown Community Land Trust (CLT) Program

Newtown Community Land Trust (CLT) Program是面向Tempe，Arizona购房者的增值共享贷款，由Newtown Community Development Corporation管理。 Newtown's Community Land Trust (CLT) is a permanently affordable homeownership program operated by Newtown Community Development Corporation, the oldest and largest CLT in Arizona, serving Maricopa County. Newtown uses city/county grant funds to buy or build homes and sells them below market value to income-qualified first-time buyers, who purchase only the house while Newtown retains the land under a 99-year renewable ground lease. To preserve affordability, resales follow a shared-appreciation formula in which Newtown repurchases the home for the original price plus 25 percent of the appreciation. Buyers must complete homebuyer education, earn at or below 80 percent AMI (some resales up to 120 percent), and contribute at least $2,500. Homes sold below market value with price based on an affordable monthly payment. Each home refurbished move-in ready. Homebuyer education, counseling, and financial coaching included. Buyer keeps 25 percent of appreciation at resale. May rent out individual rooms while owner-occupying.

Newtown Community Land Trust (CLT) Program是增值共享贷款，按Newtown Community Development Corporation设定的条款偿还。 该援助以Other (99-year renewable ground lease)顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Newtown Community Land Trust (CLT) Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Must be a first-time homebuyer or not have owned a home in the past 3 years; exceptions for a single parent who owned only with a former spouse while married, or a displaced homemaker who owned only with a spouse. 须参加购房者教育课程，由Newtown Community Development Corporation (homebuyer education and housing counseling).提供。 Buyer must qualify for a conventional mortgage through a participating lender. Newtown holds a Right of First Refusal on resale and must approve all mortgages, encumbrances, and refinances. Assistance is delivered as a below-market sale price; there is no fixed dollar assistance amount (varies per home). GAP: minimum credit score not stated on primary sources. GAP: maximum DTI not stated. GAP: specific maximum purchase price not published (set per home based on affordability). GAP: annual funding cap / reservation system not published. GAP: CLT-specific intake email and participating lender list not published. GAP: required mortgage term not specified.

Newtown Community Land Trust (CLT) Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Most CLT homes sold only to households at or below 80 percent of HUD Area Median Income (adjusted by family size); some resales up to 120 percent AMI. June 2025 (Phoenix-Mesa-Scottsdale MSA / Maricopa County) 80 percent AMI: 1 person $62,850; 2 $71,800; 3 $80,800; 4 $89,750; 5 $96,950; 6 $104,150; 7 $111,300; 8 $118,500. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Newtown Community Land Trust (CLT) Program可用于Single Family。

Newtown Community Land Trust (CLT) Program服务于在Tempe，Arizona购房的购房者。

Newtown Community Land Trust (CLT) Program的申请通过Newtown Community Development Corporation办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。