Columbia Community Land Trust (CCLT) Homebuyer Program

Columbia Community Land Trust (CCLT) Homebuyer Program是面向Columbia，Missouri购房者的增值共享贷款，由Columbia Community Land Trust (nonprofit formed by the City of Columbia)管理。 The Columbia Community Land Trust is a nonprofit created by the City of Columbia that sells permanently affordable homes to income-eligible buyers while retaining ownership of the underlying land through a long-term ground lease. Buyers obtain a mortgage to purchase the home at a below-market price; resale restrictions keep the home affordable for future low-income households. Below-market home purchase price. Permanent affordability via land trust. Low minimum buyer contribution ($500). Housing-counseling supported path to ownership. 资金来自City of Columbia (CDBG/HOME) and CCLT; homes sold below market with retained land ownership。

Columbia Community Land Trust (CCLT) Homebuyer Program是增值共享贷款，按Columbia Community Land Trust (nonprofit formed by the City of Columbia)设定的条款偿还。 触发还款的情形：Permanent-affordability land trust model: homebuyer purchases the house and leases the underlying land via a long-term ground lease; resale price is restricted to preserve affordability for future buyers。 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。

Columbia Community Land Trust (CCLT) Homebuyer Program面向将房屋作为主要住所自住的购房者。 该项目列出的最低信用分数为600。 须参加购房者教育课程，由HUD-Certified Housing Counselor提供。 公民身份或移民身份：Must be a U.S. citizen or resident alien。 Resale-restricted land trust home; buyer must occupy as primary residence, complete HUD-certified housing counseling, and meet HUD income limits and 35%/45% ratios. Income limits updated effective June 1, 2026.

Columbia Community Land Trust (CCLT) Homebuyer 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。 Must not exceed HUD gross income limits effective June 1, 2026: 1 $65,150; 2 $74,450; 3 $83,750; 4 $93,050; 5 $100,500; 6 $107,950; 7 $115,400; 8 $122,850. Housing costs cannot exceed 35% of monthly household income; total debt cannot exceed 45%. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Columbia Community Land Trust (CCLT) Homebuyer Program可用于Single Family。

Columbia Community Land Trust (CCLT) Homebuyer Program服务于在Columbia，Missouri购房的购房者。

Columbia Community Land Trust (CCLT) Homebuyer Program的申请通过Columbia Community Land Trust (nonprofit formed by the City of Columbia)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。