New River Home Trust (Community Land Trust)

New River Home Trust (Community Land Trust)是面向Blacksburg，Virginia购房者的增值共享贷款，由New River Home Trust (a program of Community Housing Partners)管理。 The New River Home Trust (NRHT) is a community land trust created in 2023 in partnership with Montgomery County and the Town of Blacksburg, operating as a program of Community Housing Partners. It develops permanently affordable for-sale homes in Montgomery County, VA for households up to 80%, 100%, or 120% AMI (by property). Buyers purchase only the home and lease the land via a 99-year renewable ground lease ($10-$25/month), removing land cost from the price (first home sold roughly $100,000 below market). Affordability is preserved through an AMI-indexed resale restriction while homeowners still build equity through principal reduction, limited appreciation, and approved improvements. Below-market purchase price via removal of land cost. permanently affordable homeownership. fixed low ground-lease fee ($10-$25, not increased for 99 years). equity through principal and limited appreciation. one-time income qualification. in-house HUD-approved counseling. 资金来自Local government and partner investment (Montgomery County and the Town of Blacksburg); developed with Community Housing Partners and Habitat for Humanity.

New River Home Trust (Community Land Trust)是增值共享贷款，按New River Home Trust (a program of Community Housing Partners)设定的条款偿还。 触发还款的情形：Sale or transfer (restricted resale formula under the ground lease). 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。

New River Home Trust (Community Land Trust)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 specific minimum published; a $35 soft credit check is performed; staff help buyers become mortgage-ready. 须参加购房者教育课程，由HUD-approved housing counseling required; Community Housing Partners is a HUD-approved counseling agency and NRHT provides counseling in-house.提供。 居住要求：Serves Montgomery County, VA; those who live or work in the New River Valley encouraged to apply. Permanent affordability via CLT ground lease; one-time income qualification at purchase (80/100/120% AMI tier by property); must occupy as primary residence; HUD-approved counseling/education required; finance through an NRHT Approved Lender. Distinct from CHP's statewide DHCD DPA and from Maggie Walker CLT (Richmond).

New River Home Trust (Community Land Trust)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。 Income qualified once at purchase using HUD AMI for Montgomery County, updated annually; three tiers (80/100/120% AMI). 2026 Montgomery County max household income — 80% AMI 4p $95,700; 100% AMI 4p $119,600; 120% AMI 4p $143,500 (1-8 person tables published). Income may rise after purchase without penalty. 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。

New River Home Trust (Community Land Trust)的房价上限如下：No fixed maximum; prices set below market via the CLT land-cost subsidy (first NRHT home closed roughly $100,000 below market value). 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

New River Home Trust (Community Land Trust)服务于在Blacksburg，Virginia购房的购房者。 该项目针对特定区域：Place-based in Montgomery County, VA (Blacksburg, including a neighborhood near Virginia Tech; Stroubles Ridge). 目标社区：Montgomery County, VA, including Blacksburg (Stroubles Ridge).

New River Home Trust (Community Land Trust)的申请通过New River Home Trust (a program of Community Housing Partners)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Application-based; eligibility determination ~48 hours; eligible buyers receive an Eligibility Letter and are matched to available CLT homes.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。