City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)

City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)是面向Minneapolis，Minnesota购房者的增值共享贷款，由City of Lakes Community Land Trust (CLCLT)管理。 The City of Lakes Community Land Trust Homebuyer Initiated Program (HIP) is a buyer-driven, shared-equity program that lets income-eligible buyers select a home in Minneapolis and purchase it with a CLCLT affordability investment, plus a post-purchase deferred-maintenance/rehab investment (up to about $20,000 per buyer). The CLCLT retains ownership of the land via a 99-year ground lease, keeping the home permanently affordable. Households must earn less than 80% AMI at closing and use a CLT-friendly mortgage. Affordability investment increases buying power. Buyer chooses the home. Up to ~$20,000 post-purchase rehab assistance. Permanently affordable via CLT ground lease. 资金来自City of Minneapolis, Hennepin County, Metropolitan Council (LHIA), and other public/philanthropic affordable-housing funds。

City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)是增值共享贷款，按City of Lakes Community Land Trust (CLCLT)设定的条款偿还。 触发还款的情形：Community land trust shared-equity model: land owned by the trust under a 99-year ground lease; resale price restricted per the ground lease/resale formula rather than a conventional repayable DPA loan. 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。

City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由CLCLT pre-purchase education / orientation; attorney review of resale terms required prior to closing提供。 居住要求：Home must be located in Minneapolis. Shared-equity Community Land Trust model (not a conventional cash DPA loan): assistance delivered as a purchase-price affordability investment with a 99-year ground lease and resale restriction. Specific affordability-investment dollar amounts vary by home and are not fixed on the program page (rehab investment up to ~$20,000). Verified ACTIVE on official CLCLT site as of June 2026.

City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)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 be less than 80% AMI at the time of CLCLT HIP closing (Minneapolis-St. Paul-Bloomington MSA). 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。

City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)可用于Single Family和Duplex。

City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)服务于在Minneapolis，Minnesota购房的购房者。 目标社区：City of Minneapolis (citywide)。

City of Lakes Community Land Trust Homebuyer Initiated Program (HIP)的申请通过City of Lakes Community Land Trust (CLCLT)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Buyer completes CLCLT application, attends orientation, obtains mortgage pre-approval through a CLT-friendly lender, then enrolls in HIP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。