Clark County Welcome Home Community Land Trust (CLT)

Clark County Welcome Home Community Land Trust (CLT)是面向Clark县，Nevada购房者的增值共享贷款，由Clark County Community Housing Office管理。 The Clark County Welcome Home Community Land Trust (CLT), launched November 2025, is the first government-run CLT in Nevada, creating permanently affordable homeownership for low-to-moderate income first-time buyers. The county retains land ownership via a perpetual ground lease while eligible buyers purchase the home at a below-market price (~$267,400-$341,200 vs $409K-$419K development cost), with the county covering the gap via a silent second mortgage. Resale-restricted ground lease keeps homes affordable for future buyers. First development (Rebecca Place, 30 homes) targets move-ins Q4 2026. Below-market home prices (~$267K-$341K). County silent second covers subsidy gap at 0%. 3% down with DPA allowed to supplement. Permanent affordability via ground lease. Lottery open to all Clark County residents/workers. New construction single-family homes. 资金来自Clark County Community Housing Fund (local county general funds); BLM land conveyances。

Clark County Welcome Home Community Land Trust (CLT)是增值共享贷款，按Clark County Community Housing Office设定的条款偿还。 触发还款的情形：Sale, transfer, or non-owner-occupancy; home must be resold at below-market CLT formula price to next eligible buyer per ground lease terms。 该援助以Second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。

Clark County Welcome Home Community Land Trust (CLT)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 have owned a home in the last 5 years。 关于信用，该项目说明：Minimum credit score of 640 required; counseling available for applicants below 640。 须参加购房者教育课程，由CPLC (in-person EN/ES); Community Services of Nevada (virtual EN/ES); Nevada Partners (in-person/virtual EN/ES); Navicore (virtual EN)提供。 居住要求：Must live or work in Clark County, NV; lottery preference for residents up to 3 years。 Minimum household size of 2 for current projects. Must attend CLT orientation, complete homebuyer education, complete pre-application, and obtain a Preferred Lender pre-qualification letter. No foreclosure in last 5 years; no prior homeownership in last 5 years; under $60,000 liquid assets. Formal applications not yet open as of June 2026 (Q2 2026 timeline).

Clark County Welcome Home Community Land Trust (CLT)将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 2026 HUD-based limits by household size: 2-person $78,560 (100% AMI); 3-person $88,380; 4-person $98,200; 5-person $106,056; up to 9-person $137,480. Minimum income floor also applies (4-person $49,101). 80% AMI tier applies to Cactus Trails. 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9。 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。

Clark County Welcome Home Community Land Trust (CLT)将房价上限设为$341,200。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Clark County Welcome Home Community Land Trust (CLT)服务于在Clark县，Nevada购房的购房者。 该项目针对特定区域：Current projects: Rebecca Place (NW Las Vegas Valley) and Cactus Trails (SW Clark County, BLM land). Open to all Clark County residents/workers.

Clark County Welcome Home Community Land Trust (CLT)的申请通过Clark County Community Housing Office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Lottery from pool of pre-qualified applicants who completed orientation, education, pre-application, and lender pre-qualification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。