Sheridan County Housing Land Trust (SCHLT) Homeownership Program

Sheridan County Housing Land Trust (SCHLT) Homeownership Program是面向Sheridan，Wyoming购房者的增值共享贷款，由Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust)管理。 The Sheridan County Housing Land Trust, operated under Habitat for Humanity of the Eastern Bighorns and funded with City/County ARPA dollars, sells below-market homes to income-eligible households who own the home and lease the land held in trust. Buyers must earn between 60% and 120% of Sheridan County AMI, have liquid assets at or below the 4-person median income limit ($108,000 in 2025), and contribute $1,500 toward down payment and closing costs. At resale the home price is restricted to preserve affordability, with the owner keeping principal-paydown equity plus 2% simple annual appreciation and approved improvement credits. Below-market purchase price. Build equity through 2% annual appreciation plus mortgage paydown. Low $1,500 down payment requirement. Entry point to ownership for local workforce. Lenders familiar with the model. 资金来自City of Sheridan and Sheridan County ARPA funds ($3 million allocated); donated homes。

Sheridan County Housing Land Trust (SCHLT) Homeownership Program是增值共享贷款，按Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust)设定的条款偿还。 触发还款的情形：Resale of home; resale price restricted to original purchase price plus 2% simple interest per year of ownership plus approved capital improvement credits。 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。

Sheridan County Housing Land Trust (SCHLT) 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：Must obtain mortgage prequalification from a lender; no published minimum credit score。 须参加购房者教育课程，由Fannie Mae Homebuyer course; SCHLT homebuyer education class提供。 居住要求：Open to those working/living in Sheridan or Johnson counties; remote workers welcome。 公民身份或移民身份：Must be a U.S. citizen and 18 years or older。 Land-lease fees apply ($50/month lease + $20/month reserve); must occupy as primary residence at least 10 months/year; no subletting or short-term rentals without board exception; no co-signers; cannot already own real estate at purchase; points-based ranked selection. Gaps: exact credit score minimum, DTI, mortgage term, and AMI dollar figures by household size not published.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program的收入限制如下：Household gross annual income must fall between 60% and 120% of HUD Area Median Income for Sheridan County, WY, based on 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。

Sheridan County Housing Land Trust (SCHLT) Homeownership Program的房价上限如下：Homes priced significantly below market for income-eligible households。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Sheridan County Housing Land Trust (SCHLT) Homeownership Program服务于在Sheridan，Wyoming购房的购房者。

Sheridan County Housing Land Trust (SCHLT) Homeownership Program的申请通过Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust)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Points-based ranked applicant pool; highest-ranking applicants offered homes as they become available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。