SWMHP Partnership Community Land Trust

SWMHP Partnership Community Land Trust是面向Blue Earth; Nicollet; Brown; Watonwan; Cottonwood; Jackson县，Minnesota购房者的增值共享贷款，由Southwest Minnesota Housing Partnership (SWMHP)管理。 The Partnership Community Land Trust (PCLT), operated by Southwest Minnesota Housing Partnership, is a shared-equity homeownership program across southwest Minnesota. SWMHP builds or acquires a home and sells only the structure to an income-qualified buyer (generally at/below 60% AMI) while the trust retains the land under a 99-year ground lease, lowering the mortgage, down payment, and closing costs. A resale formula preserves long-term affordability. Removes land cost from mortgage. Reduced down payment and closing costs. Long-term affordability via 99-year ground lease. Pairs with DPA. 资金来自Minnesota Housing, Greater Minnesota Housing Fund, Housing Partnership Network NMTC, local/philanthropic partners。

SWMHP Partnership Community Land Trust是增值共享贷款，按Southwest Minnesota Housing Partnership (SWMHP)设定的条款偿还。 触发还款的情形：Resale formula on sale; land remains owned by the trust and leased via 99-year ground lease。 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。

SWMHP Partnership Community Land Trust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Realizing the American Dream homebuyer education through SWMHP提供。 居住要求：Homes within SWMHP's southwest Minnesota service area。 Income generally at/below 60% AMI; complete Realizing the American Dream education; agree to CLT ground lease and resale formula; owner-occupy.

SWMHP Partnership Community Land Trust将家庭收入限制在地区收入中位数的60%，该数值因县和家庭人数而异。 Generally at/below 60% AMI (approx $43,200 for 2-person, $54,000 for 4-person, subject to change). 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。

SWMHP Partnership Community Land Trust可用于Single Family。 新建房屋符合条件。

SWMHP Partnership Community Land Trust服务于在Blue Earth; Nicollet; Brown; Watonwan; Cottonwood; Jackson县，Minnesota购房的购房者。

SWMHP Partnership Community Land Trust的申请通过Southwest Minnesota Housing Partnership (SWMHP)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Application-based; contact SWMHP for available CLT 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。