South Baltimore Community Land Trust Homeownership Program

South Baltimore Community Land Trust Homeownership Program是面向Baltimore，Maryland购房者的首付援助，由South Baltimore Community Land Trust (SBCLT)管理。 The South Baltimore Community Land Trust (SBCLT) creates permanently affordable homeownership opportunities in South Baltimore's Curtis Bay and Cherry Hill neighborhoods through a community land trust ground-lease model, in which SBCLT retains ownership of the land while the homebuyer purchases the home. All SBCLT homes remain permanently affordable through resale restrictions. SBCLT's Housing Stewardship Coordinator guides buyers through an interest form, intake meeting, homeownership counseling, financing, and closing. Homes target individuals and families at or below 50% AMI in Baltimore City. Permanently affordable homeownership through CLT ground-lease model. Homes in Curtis Bay and Cherry Hill. 15+ units under development. Ongoing stewardship and post-purchase support. Free homeownership counseling via Druid Heights CDC. Community-led and governed. 资金来自Baltimore City Affordable Housing Trust Fund; philanthropic grants。

South Baltimore Community Land Trust Homeownership Program是首付援助，按South Baltimore Community Land Trust (SBCLT)设定的条款偿还。 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。

South Baltimore Community Land Trust 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Druid Heights Community Development Corporation (homeownership counseling); SBCLT Housing Stewardship Coordinator (one-on-one guidance)提供。 居住要求：Not stated; community focus is South Baltimore (Curtis Bay and Cherry Hill neighborhoods)。 Ground lease model — homebuyer does not own the land. Resale restrictions apply to maintain permanent affordability; resale formula not publicly published; contact SBCLT for details. Currently 1 home on market (1626 Hazel Street, Curtis Bay, $160,000) and 15 under development. No phone published; contact via info@sbclt.org. Income limits: 50% AMI and below (Baltimore City); specific dollar limits not published.

South Baltimore Community Land Trust Homeownership Program将家庭收入限制在地区收入中位数的50%，该数值因县和家庭人数而异。 All homes available for individuals and families at 50% AMI and below (Baltimore City AMI). 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。

South Baltimore Community Land Trust Homeownership Program将房价上限设为$160,000。 符合条件的房屋类型包括Single Family、Townhouse和Duplex。 新建房屋符合条件。 预制房屋不符合条件。

South Baltimore Community Land Trust Homeownership Program服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：South Baltimore neighborhoods of Curtis Bay and Cherry Hill, Baltimore City, MD。 目标社区：Curtis Bay; Cherry Hill。

South Baltimore Community Land Trust Homeownership Program的申请通过South Baltimore Community Land Trust (SBCLT)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First-come, first-served; submit homeownership interest form at sbclt.org/homeowners-application/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。