Douglass Community Land Trust - Pay It Forward Single Family Homeownership

Douglass Community Land Trust - Pay It Forward Single Family Homeownership是面向Washington，District of Columbia购房者的增值共享贷款，由Douglass Community Land Trust (Douglass CLT)管理。 Douglass CLT's Pay It Forward Single Family Homeownership program makes permanently affordable for-sale homes (rowhomes, townhomes, detached homes, and condos) available to income-qualified DC residents at below-market prices. The CLT retains ownership of the land under a 99-year land lease (or a deed-restricted covenant for condos) containing an MFI-indexed resale formula, so each owner builds equity while keeping the home affordable for the next low-to-moderate income buyer. Buyers must be first-time homebuyers at or below 80% AMI, qualify for a mortgage, and demonstrate a housing need. Below-market purchase price. Permanent affordability via 99-year land lease / deed-restricted covenant. Equity growth through MFI-indexed resale formula. Credit for pre-approved improvements at resale. Ongoing CLT stewardship support. Can be combined with DC HPAP. 资金来自Grant-funded permanent subsidy invested into CLT properties (retained across successive sales); partnerships with developers such as Habitat for Humanity.

Douglass Community Land Trust - Pay It Forward Single Family Homeownership是增值共享贷款，按Douglass Community Land Trust (Douglass CLT)设定的条款偿还。 触发还款的情形：No loan to repay; affordability enforced via a 99-year land lease (or deed-restricted covenant for condos) containing an MFI-indexed resale formula. On resale the owner sells at a price affordable to a household at about the same income level. 该援助以Not a lien; Douglass CLT retains ownership of the land and leases it under a 99-year ground lease with a resale-restriction covenant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。

Douglass Community Land Trust - Pay It Forward Single Family Homeownership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：First-time homebuyer defined as not having owned real estate in the last 3 years. 关于信用，该项目说明：Not published; applicant must obtain pre-qualification from a mortgage lender and qualify for a mortgage. 居住要求：Permanently affordable ownership housing for qualifying DC residents; home must be the owner's primary residence. Applicant must: have a willingness to 'Pay It Forward'; be a first-time homebuyer (no real estate ownership in last 3 years); have mortgage pre-qualification; if using HPAP, hold a current HPAP Notice of Eligibility; and meet a housing-need test. Gaps: exact dollar income limits by household size, whether homebuyer education is mandatory, min credit score, DTI, asset caps, and per-project purchase prices not published program-wide.

Douglass Community Land Trust - Pay It Forward Single Family Homeownership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。 Household income must not exceed 80% of Area Median Income based on family size; some projects have lower maximum incomes. Income limits referenced from DC AMI tables. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Douglass Community Land Trust - Pay It Forward Single Family Homeownership的房价上限如下：Below-market purchase price set per home/project and advertised in advance; not a fixed program-wide cap. 符合条件的房屋类型包括Single Family、Townhome和Condo。 新建房屋符合条件。

Douglass Community Land Trust - Pay It Forward Single Family Homeownership服务于在Washington，District of Columbia购房的购房者。

Douglass Community Land Trust - Pay It Forward Single Family Homeownership的申请通过Douglass Community Land Trust (Douglass CLT)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Each home/project advertised in advance with specific income range and sale price; applicants apply for available homes listed by Douglass CLT.预留。 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。