Community Home Trust - Affordable Homeownership Program

Community Home Trust - Affordable Homeownership Program是面向Chapel Hill，North Carolina购房者的增值共享贷款，由Community Home Trust管理。 Community Home Trust is a community land trust serving Chapel Hill, Carrboro, and Orange County, NC. Buyers purchase a CHT home (typically 30-50% below market value) and sign a ground lease that limits resale: when an owner sells, the home is sold back to CHT at a price set by a resale/appreciation formula using HUD affordability guidelines, keeping it affordable for the next income-qualified buyer. Down payment assistance is often provided as a no-interest, no-payment loan, and CHT applies subsidy to reduce the first-mortgage amount so housing costs target ~28% of gross monthly income. Homes sold 30-50% below market value. No-interest, no-payment down payment assistance loan. Subsidy reduces first mortgage so housing costs target ~28% of income. In-house licensed agents assist buyers at no cost. 资金来自Community Home Trust subsidy in partnership with the Town of Chapel Hill, Town of Carrboro, Orange County, Town of Hillsborough, and private/foundation partners。

Community Home Trust - Affordable Homeownership Program是增值共享贷款，按Community Home Trust设定的条款偿还。 触发还款的情形：Resale of the home back to Community Home Trust; subsidy retained through the resale formula. 该援助以CHT resale restriction via ground lease; DPA structured as subordinate no-interest no-payment loan顺位留置权登记。 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。

Community Home Trust - Affordable 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。 此处的“首次”有例外情况：Must not currently own a home; CHT defines first-time as not owning in the last 3 years or meeting HUD special rules. 关于信用，该项目说明：No CHT credit score requirement, but buyers must qualify for a traditional mortgage and meet the approved lender credit requirements. 须参加购房者教育课程，由Community Home Trust homebuyer education plus financial counseling with a community partner.提供。 Buyer signs a ground lease; the home must be sold back to Community Home Trust when the owner moves and cannot be resold on the private market. Resale price set by CHT formula based on tenure and appreciation model using HUD affordability guidelines (limited/shared-appreciation). Buyer pays two ongoing monthly fees (ground lease/use fee and Stewardship Fee) for the life of ownership, included in the 30% housing-cost cap. DPA/subsidy is a no-interest, no-payment loan. Assets under $20,000 (excluding retirement) fully eligible; $20,000-$100,000 may buy but cannot receive new subsidies; over $100,000 not eligible unless age 65+ or permanently disabled. Resale typically 4-6 months; $400 refundable resale request fee. Gifts allowed up to $10,000; no co-signers. Must use a CHT-approved lender. Applicants 80-115% AMI limited to unsubsidized inventory only.

Community Home Trust - Affordable Homeownership Program将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Most homes reserved for households <=80% AMI; some available up to 115% AMI (80-115% limited to unsubsidized homes). Minimum household income $45,000. 2026 (Durham-Chapel Hill NC HUD Metro, MFI $129,900, eff. May 1, 2026) 80% AMI: 1=$71,200; 2=$81,400; 3=$91,550; 4=$101,700; 5=$109,850; 6=$118,000; 7=$126,150. 115% AMI: 1=$102,350; 4=$146,194. 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。

Community Home Trust - Affordable Homeownership Program的房价上限如下：No fixed maximum; homes sold at below-market, income-tiered prices (typically 30-50% below market), matched to household size and income. 符合条件的房屋类型包括Single Family、Townhouse和Condo。 新建房屋符合条件。

Community Home Trust - Affordable Homeownership Program服务于在Chapel Hill，North Carolina购房的购房者。 目标社区：CHT-developed neighborhoods in Chapel Hill and Carrboro。

Community Home Trust - Affordable Homeownership Program的申请通过Community Home Trust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。