Central Ohio Community Land Trust (COCLT) Homeownership Program

Central Ohio Community Land Trust (COCLT) Homeownership Program是面向Columbus，Ohio购房者的增值共享贷款，由Central Ohio Community Land Trust (COCLT)管理。 The Central Ohio Community Land Trust (COCLT), a subsidiary of the Franklin County Land Bank, is a shared-equity homeownership program. COCLT permanently owns the land and sells the home to income-eligible buyers (at/below 120% AMI) who lease the land via a 99-year renewable lease, providing a purchase-price write-down of up to $50,000. On resale, the homeowner keeps their down payment, principal paid, and 25% of appreciation, while the subsidy stays with the program. Buyers are selected through a random drawing. Up to $50,000 purchase-price write-down. Permanently affordable shared-equity homeownership. New-construction homes. Homeowner retains 25% appreciation on resale. 资金来自COCLT with City of Columbus and Franklin County。

Central Ohio Community Land Trust (COCLT) Homeownership Program提供最高$50,000的援助。 购房者自付部分：Minimum 1% of purchase price at closing; $500 earnest money applied to closing。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Central Ohio Community Land Trust (COCLT)决定。

Central Ohio Community Land Trust (COCLT) Homeownership Program是增值共享贷款，按Central Ohio Community Land Trust (COCLT)设定的条款偿还。 触发还款的情形：On resale, COCLT and homeowner share appreciation per land-lease formula (homeowner receives 25% of appreciation); subsidy stays with program。 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。

Central Ohio Community Land Trust (COCLT) Homeownership Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No program-set minimum; set by lender。 须参加购房者教育课程，由COCLT orientation class plus HUD-approved homebuyer education; Land Lease Class提供。 居住要求：Available to Franklin County residents who complete the eligibility steps。 Shared-equity CLT with 99-year land lease and $25/month fee; not a cash DPA grant. Buyers selected by random drawing.

Central Ohio Community Land Trust (COCLT) Homeownership Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 At/below 120% HUD AMI Central Ohio. HUD 2026: 1p $93,650; 2p $107,100; 3p $120,400; 4p $133,800; 5p $144,550; 6p $155,200; 7p $165,950; 8p $176,650. 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。

Central Ohio Community Land Trust (COCLT) Homeownership Program的房价上限如下：No published maximum; COCLT applies a purchase-price write-down up to $50,000。 符合条件的房屋类型包括Single Family和Condo。 新建房屋符合条件。 预制房屋不符合条件。

Central Ohio Community Land Trust (COCLT) Homeownership Program服务于在Columbus，Ohio购房的购房者。 该项目针对特定区域：Hilltop, Franklinton, Linden, Near East Side, Far South, South Side; some homes qualify for tax abatement in Community Investment Areas。

Central Ohio Community Land Trust (COCLT) Homeownership Program的申请通过Central Ohio Community Land Trust (COCLT)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Homebuyer Selection Drawing per development; applicants must attend a COCLT orientation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。