Diamond State Community Land Trust Homeownership Program

Diamond State Community Land Trust Homeownership Program是面向Dover，Delaware购房者的增值共享贷款，由Diamond State Community Land Trust (a NeighborGood Partners affiliate)管理。 Diamond State Community Land Trust (DSCLT), the nation's first statewide community land trust (formed 2006, based in Dover), sells permanently-affordable homes to income-qualified buyers at below-market prices. The trust retains ownership of the underlying land and leases it to the homeowner under a long-term, renewable, inheritable ground lease, lowering the purchase price. When the owner sells, the home must be sold to another income-eligible buyer at a price set by a resale formula in the ground lease, which limits price appreciation to keep the home affordable while still allowing the owner to build some equity. Below-market home purchase price. Permanently affordable homeownership. Land cost removed via 99-year ground lease. Homebuyer education and lender connection. Lifetime stewardship support. Equity-building with resale formula. Home is inheritable by heirs. 资金来自Community land trust model; public and private investment stewarded by DSCLT (over $3 million in public funds preserved to date)。

Diamond State Community Land Trust Homeownership Program是增值共享贷款，按Diamond State Community Land Trust (a NeighborGood Partners affiliate)设定的条款偿还。 触发还款的情形：Resale: home must be sold to an income-eligible buyer at a price determined by the ground-lease resale formula; owner retains original equity plus a formula-limited share of appreciation. 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。

Diamond State Community Land Trust Homeownership Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Not published; buyer must qualify for an approved mortgage. 须参加购房者教育课程，由DSCLT connects buyers to qualifying homebuyer education programs (e.g., HUD-approved counseling such as NeighborGood Partners)提供。 居住要求：Home must be in Delaware and owner-occupied; renting the home is not permitted (limited short-term rental exceptions only with prior DSCLT approval). Statewide Delaware CLT selling permanently-affordable homes via a long-term ground lease; verified active in 2026 (41 homes/56 households as of 2025). Buyer must be 18+, income-qualified, complete homebuyer education, keep DTI below 35%, and occupy the home as a primary residence (no renting).

Diamond State Community Land Trust Homeownership Program的收入限制如下：Buyers must be income-qualified based on a percentage of Area Median Income (AMI); the specific AMI limit is set per home/funding source and is not published as a single statewide table on the official site. Confirm the applicable limit with DSCLT for the specific home. 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。

Diamond State Community Land Trust Homeownership Program的房价上限如下：Purchase price is set below market on a per-home basis by the trust; no fixed maximum is published. 符合条件的房屋类型包括Single Family。

Diamond State Community Land Trust Homeownership Program服务于在Dover，Delaware购房的购房者。

Diamond State Community Land Trust Homeownership Program的申请通过Diamond State Community Land Trust (a NeighborGood Partners affiliate)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Apply through Program Manager; homes purchased as they become available (limited inventory)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。