The Housing Fund Community Land Trust

The Housing Fund Community Land Trust是面向Nashville，Tennessee购房者的首付援助，由The Housing Fund (CDFI), in partnership with the Metropolitan Housing Trust Fund Commission管理。 Nashville's first city-wide Community Land Trust providing permanently affordable homeownership in Nashville-Davidson County. THF owns the land and sells the home (with a 99-year ground lease), separating land value from home value to lower the purchase price for limited-income first-time buyers. Permanently affordable home purchase; land owned by the CLT lowers the buyer's price and monthly payment (buyer pays a nominal ground lease). 资金来自The Housing Fund / Metropolitan (Barnes) Housing Trust Fund Commission。

The Housing Fund Community Land Trust是首付援助，按The Housing Fund (CDFI), in partnership with the Metropolitan Housing Trust Fund Commission设定的条款偿还。 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。

The Housing Fund Community Land Trust面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Credit in good standing (no specific numeric minimum published). 须参加购房者教育课程，由Homebuyer-education course plus a financial-counseling session.提供。 居住要求：Property located in Nashville-Davidson County. $600 processing fee at closing. THF maintains a first-come, first-served list of prequalified applicants. Buyer must be mortgage-ready (pre-approved with a first-mortgage lender) and have credit in good standing. Resale restricted to qualified limited-income buyers under the ground lease.

The Housing Fund Community Land Trust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。 Annual income at or below 80% of the Nashville Area Median Income (table shown as image on page, by household size). 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。

The Housing Fund Community Land Trust服务于在Nashville，Tennessee购房的购房者。

The Housing Fund Community Land Trust的申请通过The Housing Fund (CDFI), in partnership with the Metropolitan Housing Trust Fund Commission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。