Maggie Walker Community Land Trust Homeownership Program

Maggie Walker Community Land Trust Homeownership Program是面向Richmond，Virginia购房者的增值共享贷款，由Maggie Walker Community Land Trust管理。 The Maggie Walker Community Land Trust develops and stewards permanently affordable single-family homes for sale to income- and asset-qualified buyers in the Richmond, VA region. MWCLT sells the home while retaining ownership of the underlying land through a 99-year renewable ground lease, lowering the purchase price below market. In exchange, the homeowner agrees to a resale-price restriction tied to growth in the Richmond AMI, keeping the home affordable for future buyers. MWCLT does not issue mortgages or provide down payment assistance directly, but partners with approved lenders and external DPA/education providers. Below-market purchase price on a permanently affordable home. Resale formula lets owners build limited equity tied to AMI growth. One-time subsidy keeps home affordable for future buyers. Connections to external DPA and matched-savings programs. 资金来自Community Land Trust subsidy (one-time subsidy embedded in the below-market home price; land retained by the trust)。

Maggie Walker Community Land Trust Homeownership Program是增值共享贷款，按Maggie Walker Community Land Trust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。

Maggie Walker Community Land Trust 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：Approved lenders require a minimum credit score of 620; applicants below this are referred to credit counseling. 须参加购房者教育课程，由HUD-certified homeownership class required; providers include Housing Opportunities Made Equal (HOME of VA), Virginia Housing, and Southside Community Development and Housing Corporation.提供。 [Unparsed numeric values moved to notes: max_liquid_assets: Value of applicant's assets may not exceed 25% of the market-appraised value of the home being purchased] Must attend an MWCLT information session; obtain mortgage pre-qualification from an approved lender; combined mortgage + down payment must total at least $150,000; complete a HUD-certified homeownership class. Must agree to the ground lease resale restriction, occupy as primary residence, and may not rent the home.

Maggie Walker Community Land Trust 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。 Maximum household income limits at 115% AMI for the Richmond, VA MSA (2025): 1p $91,425; 2p $104,420; 3p $117,530; 4p $130,525; 5p $140,990. Homes reserved for households from 80% AMI (4-person 80% AMI = $90,800) up to 115% AMI. 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。

Maggie Walker Community Land Trust Homeownership Program可用于Single Family和Townhouse。 新建房屋符合条件。

Maggie Walker Community Land Trust Homeownership Program服务于在Richmond，Virginia购房的购房者。 该项目针对特定区域：Serves the City of Richmond and the Counties of Chesterfield and Henrico.

Maggie Walker Community Land Trust Homeownership Program的申请通过Maggie Walker Community Land 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。