Two Rivers Community Land Trust Homeownership Program

Two Rivers Community Land Trust Homeownership Program是面向Washington县，Minnesota购房者的增值共享贷款，由Two Rivers Community Land Trust (TRCLT)管理。 Two Rivers Community Land Trust buys, rehabilitates, and resells homes in Washington County to income-qualified buyers at below-market prices using the community land trust shared-equity model (the land value is removed from the mortgage). Buyers also gain access to fixed-rate, low-interest financing and down payment assistance. Households must meet MHFA/HUD income limits (~80% AMI) and complete two homebuyer education classes including TRCLT's own. The land remains owned by the trust under a ground lease to keep homes permanently affordable. Below-market purchase price (land removed from mortgage). Access to fixed-rate low-interest financing and down payment assistance. Permanently affordable via CLT ground lease. 资金来自Federal, state (Minnesota Housing / MHFA), local, and private affordable-housing funding sources。

Two Rivers Community Land Trust Homeownership Program是增值共享贷款，按Two Rivers Community Land Trust (TRCLT)设定的条款偿还。 触发还款的情形：Community land trust shared-equity model: TRCLT retains ownership of the land; resale price restricted by the ground lease/resale formula to preserve affordability. 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。

Two Rivers Community Land Trust Homeownership Program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Two classes required, including TRCLT's own homebuyer class (e.g., Home Stretch / Framework via Minnesota Homeownership Center or partner agencies)提供。 居住要求：Home must be located in Washington County, Minnesota. Shared-equity Community Land Trust model (not a conventional cash DPA loan); assistance delivered as a reduced purchase price plus access to financing/DPA. Income limits are the 2025 MHFA/HUD figures shown on the official site. Verified ACTIVE as of June 2026; serves Washington County (catalog already has Washington County CDA, but this is a distinct nonprofit CLT program).

Two Rivers Community Land Trust Homeownership 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。 2025 gross annual income limits by household size (MHFA/HUD): 1-person $72,950; 2-person $83,400; 3-person $93,800; 4-person $104,200; 5+ $106,000. Approximately 80% AMI for Washington County / Minneapolis-St. Paul 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。

Two Rivers Community Land Trust Homeownership Program的房价上限如下：Income-qualified program; if income and assets exceed program limits at any time, the application is disqualified. 符合条件的房屋类型包括Single Family。

Two Rivers Community Land Trust Homeownership Program服务于在Washington县，Minnesota购房的购房者。 目标社区：Washington County, Minnesota。

Two Rivers Community Land Trust Homeownership Program的申请通过Two Rivers Community Land Trust (TRCLT)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Income pre-screen, then pre-application; if approved, full application with a CLT-experienced lender and realtor; buyers may be placed on a waiting list for the next available TRCLT home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。