Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program是面向Lawrence，Kansas购房者的首付援助，由Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT)管理。 The Lawrence Community Housing Trust (LCHT), operated by Tenants to Homeowners, sells new and rehabilitated homes to income-eligible buyers at approximately $50,000-$75,000 below market appraisal value using a community land trust model. Buyers own the structure while LCHT retains land ownership under a $30/month ground lease. Benefits include minimal down payment (5% of gross income), closing cost assistance up to $4,000, no PMI, fixed-rate financing, and resale-price restrictions that preserve affordability in perpetuity. ~$75,000 average price subsidy below market. Down payment = 5% of annual gross income (often under $2,000). Closing cost assistance up to $4,000. No PMI. No foreclosures in program history. $25/month maintenance savings account. 资金来自Federal, State, and other grant funding or donations。

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program提供最高$75,000的援助。 购房者自付部分：Down payment = 5% of annual gross income (e.g., $31K income = under $2,000 down). Required maintenance savings account of $25/month. 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Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT)决定。

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program是首付援助，按Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT)设定的条款偿还。 触发还款的情形：Resale restricted per CLT ground lease formula (25% of market appreciation returned to buyer; remainder supports future affordability). Land leased at $30/month. 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。

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase 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 first-time buyer or not have owned for 3 years per standard CLT policy. 关于信用，该项目说明：Credit score of 670 or higher required. No bankruptcies in last 2 years. Good bill pay within last 2 years. 须参加购房者教育课程，由TTH homebuyer workshop required. Budget and/or credit counseling from Housing and Credit Counseling Inc. (HCCI) required prior to purchase decision.提供。 居住要求：Lawrence, KS / Douglas County area。 Community land trust model; restricted resale formula limits appreciation but enables homeownership. No homes currently listed as of June 2026 (sold properties shown on site). Buyers must attend TTH homebuyer workshop and receive HCCI counseling. Income limits updated annually. Homes owner-occupied; not available to investors or landlords.

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase 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。 At or below 80% of Lawrence median family income per HUD guidelines. Updated May 2025: 1-person $77,300; 2-person $88,400; 3-person $99,400; 4-person $110,400; next update June 2026. 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。

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program的房价上限如下：Homes sold at approximately $50,000-$75,000 below market appraisal value. Recent sold properties around $125,000. 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program服务于在Lawrence，Kansas购房的购房者。 该项目针对特定区域：Lawrence, Kansas and greater Douglas County。

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program的申请通过Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT)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。