The Housing Fund Shared Equity Homeownership

The Housing Fund Shared Equity Homeownership是面向Tennessee购房者的增值共享贷款，由The Housing Fund (CDFI)管理。 A shared-equity lending program available statewide in Tennessee that covers ~25% of a home's purchase price (with ~74% from a partner first-mortgage lender and 1% buyer contribution). On resale, THF recovers its 25% at 0% interest and shares appreciation equally with the seller, reinvesting to keep homes permanently affordable. Approximately 25% of the home's purchase price as a shared-equity investment; buyer needs only 1% down. 资金来自The Housing Fund / private investors (CDFI)。

The Housing Fund Shared Equity Homeownership是增值共享贷款，按The Housing Fund (CDFI)设定的条款偿还。 触发还款的情形：On resale, THF recovers its 25% contribution at 0% interest and shares appreciation 50/50. 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 Shared Equity Homeownership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：Varies by first-mortgage partner: Pinnacle Financial Partners 650, FirstBank 640, Citizens Bank 620. 须参加购房者教育课程，由THDA-approved first-time homebuyer education (6 hrs) plus 2 hrs Shared Equity education.提供。 居住要求：Available statewide in Tennessee (check lender participation in your community). Approximately 25% of purchase price provided as shared-equity. $600 processing fee at closing; $50 monthly stewardship fee. THF recovers its 25% at 0% interest at resale and shares appreciation 50/50 (improvements excepted). Buyer cannot buy out THF's 25%. Must use Providence Title. Credit minimum varies by lender (Pinnacle 650, FirstBank 640, Citizens 620). Requires 2 hours of Shared Equity education in addition to 6-hour THDA homebuyer education.

The Housing Fund Shared Equity Homeownership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。 Household income at or below 120% of the county Area Median Income (varies by Tennessee county; see THF income-guidelines page). 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 Shared Equity Homeownership服务于在Tennessee任何地方购房的购房者。

The Housing Fund Shared Equity Homeownership的申请通过The Housing Fund (CDFI)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。