Shared Equity Homeownership Program

Shared Equity Homeownership Program是面向Bloomington，Indiana购房者的增值共享贷款。 Bloomington Shared Equity Homeownership Program — at least 20% of purchase price (up to $50,000) as a 0% interest, 99-year deferred shared-appreciation 2nd mortgage in exchange for permanent deed-restricted affordability. 50% of appreciation shared with City at resale; resale restricted to income-eligible buyers. Up to ~140% AMI Monroe County. Permanent affordability instrument (Grounded Solutions / CLT-aligned model). Bloomington's Shared Equity Homeownership Program provides at least 20% of the purchase price (up to ~$50,000) as a 0% interest deferred-payment loan in exchange for a permanent affordability deed restriction. The City's loan principal is repayable upon future sale of the home, AND the homeowner must share 50% of the home's appreciated value with the City at resale. The home must be resold to another income-eligible buyer (perpetual affordability). Term: 99 years. Combined with Community Land Trust (Summit Hill CLT) structures for some properties. 资金来自City和Recover Forward Funds (federal ARPA)。

Shared Equity Homeownership Program按项目规定，提供相当于房价20%的援助。 购房者自付部分：Per first-mortgage product overlays。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Shared Equity Homeownership Program是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Principal due at resale、50% of appreciation also owed to City和resale must be to income-eligible buyer。 该援助以2nd Lien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。

Shared Equity Homeownership 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：First-time-homebuyer-focused but case-by-case。 关于信用，该项目说明：Per first-mortgage product overlays。 须参加购房者教育课程，由City of Bloomington HAND Homebuyers Club (8-hour HUD-approved homebuyer education); completion required.提供。 居住要求：Property must be located within Bloomington city limits and used as primary residence。 公民身份或移民身份：Per first-mortgage product overlays。 Must complete HAND Homebuyers Club. Must accept perpetual affordability deed restriction and 99-year shared-appreciation 2nd mortgage. Buyer agrees to resell only to income-eligible buyers. Income at/below ~140% AMI Monroe County (range $83,520-$157,320). Property must be primary residence.

Shared Equity Homeownership Program将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 Household income limits up to ~140% AMI Monroe County (range $83,520-$157,320 across household sizes). 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。

Shared Equity Homeownership Program的房价上限如下：City limits assistance to ~20% of purchase price up to $50,000 cap; underlying home values typically below 120% Monroe County median。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, CLT-leasehold parcels。 新建房屋符合条件。 预制房屋不符合条件。

Shared Equity Homeownership Program服务于在Bloomington，Indiana购房的购房者。

Shared Equity Homeownership Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Direct application to HAND after Homebuyers Club; case-by-case subject to inventory of shared-equity homes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。