Affordable Housing Homeownership Application 2017

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1 Affordable Housing Homeownership Application 2017 Mountainlands Community Housing Trust (MCHT) and Park City Municipal Corporation (PCMC) Combined Application Overview For the first time in years, several affordable housing projects are either under construction or approved for construction in the Park City area. Over seventy new affordable homes at four development sites are slated to be available for purchase and occupancy between the fall of 2017 and fall This is great news, especially for those in the local workforce who have been priced out of ownership opportunities by a seemingly everescalating housing market. This application package and process is intended to mark the first step toward homeownership for those who in the community who qualify for the housing opportunities described herein. All of the four developments that are the subject of this application have basic eligibility requirements related to household income as well as residency and/or location of employment. These requirements are different for each development and are summarized on pages of this application packet. The purpose of this application is to gather the necessary information from each applicant to determine their eligibility to purchase the units, which includes the ability of the applicant to acquire financing to purchase the unit at the estimated prices shown. A pre-approval letter from a local lender must be submitted along with the application to be eligible for consideration. In addition, due to the expected high demand for certain units, a preference system may be instituted in order to prioritize those selected to purchase the affordable units. Therefore, in addition to the required employment and income documentation required of the application, we will also ask each applicant to describe and (to the extent possible) the duration and depth of their connections to the Park City/Summit County area, as it is the public policy of both the Park City and Summit County governments to provide preferences to those who currently work and/or reside in the area. Both MCHT and PCMC will have additional homeownership opportunities available in the near future so, if the timing for the current application does not work for you or, if your financial situation needs improvement, please continue to monitor MCHT and PCMC websites for future opportunities. Homeownership Opportunities Within Park City Limits: Park Avenue (8 detached homes, see page 13) Central Park Condominiums (11 condominium units, see page 14) Snyderville Basin area: Discovery (25 townhomes, 4 duplex units, 1 detached home, see page 15) Silver Creek Village Townhomes (22 townhomes, see page 16) (If you are interested in the Self- Help Townhomes at Silver Creek Village (see page 17), please note that this requires an entirely separate application. Contact Becky Cranney at MCHT ( x13 or for additional information.) Page 1 of 18

2 Application Process and Timeline This is a single application that will be utilized to evaluate eligibility and priority for each of the four developments. Applicants may request to be considered for a unit in a single development or as many as all four, but if consideration for more than one unit is requested, applicants must indicate their priority as part of the application. The application period will be open for several weeks. During the application period, MCHT and PCMC staff will be available to answer questions and assist as needed. All applications, regardless of whether for a MCHT or PCMC project, will be accepted only during regular business hours at Mountainlands Community Housing Trust, 1960 Sidewinder Drive, Suite 107, Park City, UT between June 5 and June 30. Completed applications must be hand delivered or mailed -- electronic submittals will not be accepted. In order for MCHT to accept an application, all of the requested information must be provided -- it is the applicant s responsibility to make sure the application is complete and the information provided is true and accurate. Late or incomplete applications may not be considered, but may be held for consideration for future projects. Timeline May 22 June 5 June 30 July August Applications available on MCHT website: Applications accepted at MCHT office, 8 am 5 pm, M-F. Applications reviewed, verified and prioritized.* Applicants notified of selection.* *If selected for a homeownership opportunity, applicants will begin meeting with MCHT or PCMC to discuss timing and details of purchasing a unit. Please note that every development will have its own schedule for applicant selection and construction of units. Preferences Each development has specific eligibility requirements related to income and employment. In addition, certain developments have preferences to help determine priority for housing placement and unit selection. Generally, these preferences are based on some or all of the following factors. The application form provides an opportunity to speak to these issues. Length of time employed within Summit County (or PC School District for Park City projects). Employment by local government or non-profit (including PCSD, Intermountain Health). Length of time as a resident of Summit County (or PCSD for Park City projects). Distance of commute from present home to current job. Current housing situation, including whether applicant is a first time homebuyer and/or currently resides in an income-restricted rental unit in Summit County. Appropriateness of household size for available unit type. Application timing some consideration may be given for applications in order received. Please note that MCHT and PCMC may utilize different priority scoring systems for different properties and/or unit types. The prioritization of applicants shall be made by MCHT and PCMC, each in its sole discretion, and with all preference decisions being final. If an eligible application is not selected for a homeownership opportunity in this cycle, it will be given a preference for future application cycles. We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. Page 2 of 18

3 Frequently Asked Questions How do I know if I qualify (or am disqualified) based on my income? Each property has its own income requirements as outlined in the project descriptions at pages Income limits are typically shown as a percentage of the Area Median Income (AMI) for Summit County. Affordable units are generally reserved for persons who earn less than 80% of the AMI, which amount is calculated based on family size (note: some of the units may be reserved for persons earning less than 60% AMI). As part of the application, you ll provide income information for your household which will be used to verify your eligibility. If you d like to estimate whether you are income eligible, go to the Income Limits chart at the bottom of page 5 and check the maximum annual income for your household size. Unless your income clearly exceeds the allowed amount by a wide margin, please do not rely on this chart to make an independent decision not to submit an application. We encourage you to ask questions if there are any concerns about your income eligibility. How is household size determined? The term household refers to all persons intending to live in the affordable housing unit as a single housekeeping unit, whether or not they are related by blood, marriage or otherwise. Basic information regarding all persons intending to reside in the unit is required in the application. If I meet the basic requirements, am I assured of getting a unit? No. There is a high demand for homeownership in the Park City area and we expect there to be more applicants than there are units available. Once all applications have been submitted, they will be verified for eligibility and ranked according to certain preferences. It is possible that there will be applicants who qualify for a unit but are not selected due to ranking low on the preference list (these applicants will, however, be given preferential status for future units as they become available). Please note that PCMC and MCHT reserve the right to select applicants using a lottery or other method if deemed preferable for any reason. Is financing provided to purchase a unit? Not by MCHT or PCMC. You must be able to get your own mortgage financing, and you must show documentation from a local lender that you are pre-approved for a mortgage in the amount necessary to purchase a unit. The pre-approval process will help determine the maximum amount you are qualified to borrow. May I use any mortgage lender? Yes, you may use any lender of your choice; however, MCHT can help you locate a lender who has experience with deed restricted affordable units. For a list of such lenders go to What if I am a selected but decide not to purchase a unit? Any applicant selected for a unit can walk away from this opportunity without penalty at any time before a purchase agreement is signed. Will I have a choice of unit? If, after ranking of all applications, you are selected to purchase a unit, you will be able to make unit selections in order of ranking. Note, however, that unit types will be initially apportioned based on appropriate household size (example: a single person may not be eligible for a four bedroom unit). Will I be able to make decisions about how the unit is constructed or decorated? Floor plans cannot be modified except in special circumstances such as for someone with a disability. Basic appliances and cabinetry will be included with most units. In some cases, there may be an opportunity to make limited selections, but this will depend on the development in which the unit is located. Additional details will be available to applicants after they are selected to purchase a unit. Page 3 of 18

4 Can I rent out my unit? No. All affordable units must be owner-occupied and may not be rented or sublet to another person except as may be allowed under the terms of the applicable deed restrictions. Are pets allowed? Pets are a vital part of many households. Some developments may have restrictions or prohibitions on pets which will be established by the homeowners association (HOA). If selected for a unit, you will be given time to carefully review all HOA documents and deed restrictions to determine whether there are restrictions or limitations that are not acceptable. What if I buy a unit and want to sell it at a later date? Are there restrictions? Yes. All subsequent buyers must qualify to own and occupy under the same (or similar) requirements that were applicable to you as purchaser. The terms and conditions of a future sale, including the restriction on the maximum allowed sale price, are described in the deed restrictions for the unit. Affordable housing deed restrictions will be available to review by applicants before they must commit to purchasing a unit. If our household income increases during the time we own our home, will we be required to sell? Household income is an eligibility requirement that applies at the time of purchase. Typically, once you own the unit, you will not be required to requalify or certify your income at any time. However, PCMC units deed restrictions may include caps on total household income amounts for continued occupancy. Is this subsidized housing? No. Although the initial development may result from certain subsidies, this is housing where the sales price is fixed below the general public price for market rate housing. The recorded restrictions help ensure that the sales price remains affordable to persons at certain income levels, but there are no subsidies or government assistance for unit owners after the unit is built and sold. This includes all associated housing costs such as taxes, insurance, HOA fees and utilities. The unit owner is responsible for the full cost of all of these items. Are the restrictions all the same? No, the deed restrictions are not the same for each development, but they all share similar characteristics related to income and local workforce qualification, owner occupancy and limits on allowable sales price. If you are selected to purchase a unit, you will be given the opportunity to carefully review the restrictions applicable to your unit before making any commitment to purchase. Please note that the Silver Creek Village Townhomes are to be built on donated land, title to which will remain with MCHT in order to make the housing units permanently affordable. Unit owners will purchase the townhouse unit, but will occupy the land under a 99 year lease with the MCHT community land trust (CLT). Additional information on the CLT lease/ownership structure can be found at Please note that all purchasers of affordable units will be required to complete a homeowner education class prior to closing on the purchase of the unit. Page 4 of 18

5 Income Limits While each development has specific income requirements (see pages 13-16), the general rule for each of the properties included in this application is that the annual income of the household occupying the unit (all household income not just the income of the applicant/co-applicant) may not exceed 80% of the area median income (AMI) for Summit County (note: certain units are reserved for household incomes below 60% AMI). To estimate whether your income exceeds the income limit for an affordable unit, please refer to the chart below. Remember to count all persons who intend to reside in the unit (regardless of whether adults or children) when determining your household size. Note that the final methods for determining annual income qualifications are reserved to MCHT and PCMC. Please do not rely on your own estimate to determine whether to submit an application based on income. Also note that deed restrictions typically allow sales to households over the 80% AMI limit if applicants under the 80% AMI cannot be found. Household Size Maximum Annual Income at 60% AMI Maximum Annual Income at 80% AMI Maximum Annual Income at 100% AMI* 1 person household $43,428 $57,904 $72,380 2 person household $49,632 $66,176 $82,720 3 person household $55,836 $74,448 $93,060 4 person household $62,040 $82,720 $103,400 5 person household $67,003 $89,338 $111,672 6 person household $71,996 $95,955 $119,944 7 person household $76,930 $102,573 $128,216 8 person household $81,893 $109,190 $136,488 *PCMC will accept applications up to 100% AMI, however there may be a preference for 60% AMI 80% AMI based on final pricing. Once your application is prepared and ready to be submitted, please discard pages 1-5 and begin your application submittal with Part I: Application Checklist on page 6. Page 5 of 18

6 Part I: Application Checklist Required Documentation Please use this checklist as a cover sheet for the submittal of your application. Applicants must compile and submit all items on this checklist in the order shown. Applications will be accepted during regular business hours at Mountainlands Community Housing Trust, 1960 Sidewinder Drive, Suite 107, Park City, UT between June 5 and June 30. Applications must be either hand delivered or mailed there are no electronic submissions. Late or incomplete applications will not be considered. Check Box This checklist, with all boxes checked as being complete and attached. Completed Part II: Application and Household Information (page 7), including documentation of current residency. Completed Part III: Income and Asset Information (pages 8-9). In addition to the form, you must provide documentation such as pay stubs, W-2s, tax returns, 1099s, etc. to verify income for all persons aged 18 and older who intend to occupy the residence. If you are self-employed, the two previous year's tax returns must be provided. Documentation supporting other income must also be provided (e.g., divorce settlement papers, unemployment statements, etc). Signed Verification of Employment form (page 12) from each employer listed in the income section on page 7. This is to verify full time employment in Summit County. If necessary, print extra copies of the form to take to multiple employers. Completed Part IV: Park City/Summit County History (page 10), including additional narrative pages and documentation (if supplied) to support your statement of residence and/or employment history. Completed Part V: Certification and Signatures (page 11), signed by all adult residents. Pre-approval letter from a lender indicating the loan amount for which you qualify. Contact Information for Application Questions MCHT Projects (Silver Creek Village Townhomes or Discovery) Lauren Martinez Homeownership Program Specialist Mountainlands Community Housing Trust x 14 PCMC Projects ( Park Avenue or Central Park Condominiums) Rhoda Stauffer Affordable Housing Program Manager Park City Municipal Corporation Page 6 of 18

7 Part II: Applicant and Household Information Contact Information for Primary Applicant (and Co-Applicant) The person identified below will be the official contact person for all aspects of the application and selection process. Please make sure that the information provided is correct and that the person is regularly available at the address and phone number provided. 1. Name: 2. address: 3. Phone: 4. Mailing Address: I am applying for consideration to purchase a unit in the following development (see pages for detailed information on each development). If you are interested in only one property, please check the box. If you want to be considered for more than one development, please place numbers in the applicable boxes based on priority (with 1 being the highest priority) Park Avenue Silver Creek Village Townhomes Central Park Condominiums Discovery 5. Do you plan to purchase the unit and hold title jointly with another person (co-applicant)? If so, please provide name and contact information ( and phone) of the Co-applicant: Name: address: Phone: Mailing Address: Household Information Include the information below for each person who will occupy the unit, beginning with the primary applicant. Attach evidence of current address (driver s license, utility bill, etc.) if possible. Name Relationship to Primary Applicant Primary Applicant Current Address Date of Birth Page 7 of 18

8 Part III: Income and Asset Information Household Income Provide current income information below for all persons 18 years of age or older expected to live in the unit. Attach documentation of income such as pay stubs, W-2s, tax returns, 1099s, etc. to verify all income. If you are self-employed, include tax returns for the two previous years. Documentation supporting other income must also be provided (e.g., divorce settlement, unemployment statements, etc.) if applicable. Please provide copies of all documentation, not originals. When received, applications will be securely stored and handled; however, we encourage applicants to help prevent against identity theft by blacking out any social security or account numbers. A. Current Employment (you must attach a Verification of Employment form (p. 11) for each job listed) Employee s Name Employer s Name Occupation Approximate Monthly Income (gross) $ Employee s Name Employer s Name Occupation Approximate Monthly Income (gross) $ Employee s Name Employer s Name Occupation Approximate Monthly Income (gross) $ Employee s Name Employer s Name Occupation Approximate Monthly Income (gross) $ Employee s Name Employer s Name Occupation Approximate Monthly Income (gross) $ B. Benefits (Social Security, disability, veteran s benefits, pensions, etc.). Attach documentation. Type of Benefit Monthly Amount Name of Recipient Name of Agency C. Other Income. Do you receive child support, spousal support or other regular support payments? Yes No If yes, how much per month? $ Please provide a copy of court order or other documentation of such income or support. Page 8 of 18

9 Household Assets/Net Worth In addition to qualifying based on annual income amount, certain affordable units require that the cumulative net worth of the household (assets minus liabilities) may not exceed a certain amount (equal to four times the Area Median Income for Summit County, or $413,600). Complete the table below to include all assets and liabilities of the adults in the household. If your total household assets are less than $25,000 you may skip the table and check the box for number 2 below. 1. My/our assets include the following. To the extent possible, please include documentation for each asset or liability listed (e.g., bank, credit card or loan statement). If you do not have a statement or other direct indication of value, please estimate. Attach additional sheets if necessary or for explanation. Assets Bank Accounts (checking, savings, CDs) $ Retirement Accounts (401k, IRA) $ Other Investments $ Personal Property (autos, boats, jewelry, etc)* $ Property (home, land)** $ Liabilities Total Assets $ Credit card debt $ Loans (auto, student loans) $ Other debts owed (personal loans, court ordered payments) $ Total Liabilities $ Net Worth (subtract total liabilities from total assets) $ Current Value *Do not include necessary personal property such as, but not necessarily limited to, household furniture and furnishings, clothing, assets of an active business (if self-employed), or special equipment for use by the disabled. **Note: PCMC requires that applicants for affordable units in the City ( Park Avenue and Central Park Condominiums) may not maintain ownership of any other land or improved property. If you have questions regarding this requirement, contact Rhoda Stauffer at PCMC (contact information on page 6). 2. My/our household assets have a current value of less than $25, Have any members of the household transferred title or given as a gift of any cash or property in excess of $2,500 to any persons within the last year? Yes or No. If yes, please describe the transaction: Page 9 of 18

10 Part IV: Park City/Summit County History Certain developments will use a preference system to determine who, among eligible applicants, will have priority for receiving the opportunity to purchase a unit and/or selection of the actual physical unit after all purchasers are identified. Preferences may be based on a number of criteria including: Length of time employed in Summit County. Employment by local government or non-profit (including PCSD and Intermountain Health). Length of time as a resident of Summit County. Distance of commute from present home to current job. Current housing situation. Timing of application submittal. It is important that we understand your story as it relates to the above criteria. To assist in the selection process, we ask that all applicants answer the following questions. Include documentation where reasonably possible, and attach additional sheets for more explanation if necessary. Note that for the PCMC projects, it is important to be as specific as possible regarding your residence and work history being within the Park City Public Schools (PCSD) boundary (see map at page 18), as PCMC will not provide credit for residency and/or work outside of the school district boundary. If there is a co-applicant or prospective co-owner, please make a copy of this page and have them complete the questions separately. 1. How long have you lived in Summit County? years Within the PCSD boundary? years Describe your history as a resident of the Park City area, including the years in which you lived in Park City/Summit County and (if applicable) why you may have left and/or returned to the area: 2. How long have you worked in Summit County? years 3. Within the PCSD boundary? years 4. Do you, or have you, worked for a governmental or nonprofit entity? Describe your history as a member of the Park City area workforce, including the number of years in which you worked in Park City/Summit County and (if applicable) why you may have left and/or returned to work in the area: 5. How far do you commute to your current job? miles From: To: 6. Are you: a first time homebuyer? currently living in income-restricted rental housing? Page 10 of 18

11 Part V: Certification and Signatures All individuals over the age of 18 who intend to occupy the residence must agree to the following and indicate by signing below. I understand that if I am selected to purchase an affordable unit, it will be my responsibility to obtain a mortgage and comply with the lender s terms. I certify that if I take possession of an affordable unit, I will personally occupy it. It will not be rented or sublet to another person except as may be allowed under the terms of the applicable deed restrictions. I acknowledge that legal action may be brought against me if I violate the terms of the deed restrictions applicable to my unit. Under penalty of perjury, I certify that the information presented in this application is true and accurate to the best of my knowledge. I further understand that providing false representations herein constitutes an act of fraud. False, misleading or incomplete information may result in disqualification for the purchase of a home or may trigger legal action, including the right of MCHT, Summit County or PCMC to purchase the home from you and sell it to another eligible buyer. Signature Printed Name Date Signature Printed Name Date Signature Printed Name Date Signature Printed Name Date Page 11 of 18

12 Request for Verification of Employment Instructions: Applicant complete Part I and forward to the employer. Employer complete Part II, sign and return to the Applicant. PART I To Be Completed By Applicant 1. To (Name & Address of Employer) 2. From (Name & Address of Applicant) 3. Signature of Applicant PART II To Be Completed By Employer 4. Applicant s dates of employment: 5. Present position: 6. Hours per week: 7. Permanent employee? 8. Current Base Pay (enter amount of check period): $ Monthly $ Bi-weekly $ Weekly $ Hourly 9. Earnings: Type 2017 To date Last year Base Pay $ $ Overtime $ $ Tips $ $ Commission $ $ Bonus $ $ 10. Signature of Employer 11. Title 12. Date Page 12 of 18

13 Estimated Pricing: $185,000 - $300, Park Avenue PCMC Project 8 Homes (2-1BR, 5-2BR and 1-3BR) Income Qualification: PCMC will accept applications up to 100% AMI, however there may be a preference for 60% AMI 80% AMI based on final pricing. Employment Qualification: Full time (30 hours of employment per week) employees of agencies, organizations or businesses located within the boundaries of the Park City School District (see map on page 18). Retired individuals are eligible if long-time community members. No other property: Applicant may not maintain ownership of any other land or improved property. Deed Restrictions: Unit must be owner-occupied as a primary residence. Appreciation is limited to a maximum of 3% per year. Property may not be rented unless approved by the City for extenuating temporary circumstances such as military service or mission assignments. Upon resale, City has right of first refusal. Other restrictions to be included in recorded restrictions. Location: City Park area ( Park Avenue). Square Footage of Units: 750 (1BR), 1,120 (2BR), 1,350 (3BR). Estimated HOA Fees: $200/month. Estimated Completion: Fall Unit sizes, prices, and floor plans are subject to change. Page 13 of 18

14 Estimated Pricing: $160,000 - $360,000. Income Qualification: PCMC will accept applications up to 100% AMI, however there may be a preference for 60% AMI 80% AMI based on final pricing. Central Park Condos PCMC Project 11 Condo Units (1-studio, 10-2BR) Employment Qualification: Full time (30 hours of employment per week) employees of agencies, organizations or businesses located within the boundaries of the Park City School District (see map on page 18). Retired individuals are eligible if long-time community members. No other property: Applicant may not maintain ownership of any other land or improved property. Deed Restrictions: Unit must be owner-occupied as a primary residence. Appreciation is limited to a maximum of 3% per year. Property may not be rented unless approved by the City for extenuating temporary circumstances such as military service or mission assignments. Upon resale, City has right of first refusal. Other restrictions to be included in recorded restrictions. Location: 1453 Sidewinder Drive, along the Rail Trail. Square Footage of Units: 500 (studio), 855 (2BR, 1.5BA), 1,050 (2BR, 2BA). Estimated HOA Fees: $200/month. Estimated Completion: Fall Unit sizes, prices, and floor plans are subject to change. Page 14 of 18

15 Estimated Pricing: $250,000 - $310,000. Silver Creek Village Townhomes MCHT Project 22 Townhomes (3BR - 4BR) Income Qualification: Under 80% of the area median income (AMI) based on household size, with certain units reserved for incomes below 60% AMI. Incomes over 80% AMI may qualify if units are not timely sold to moderate income purchasers. Employment Qualification: Full time (30 hours of employment per week) employees of agencies, organizations or businesses located within Summit County. Restrictions: Unit must be owner-occupied as a primary residence. Appreciation is limited to a maximum of 3% per year. Property may not be rented unless approved by MCHT for extenuating temporary circumstances such as military service or mission assignments. Other restrictions to be included in recorded restrictions. Land Trust: These units are built on donated land which is how the price is made affordable. MCHT will retain ownership of the ground and the unit owner will purchase the townhouse improvements only (not the land), and pay a nominal monthly land-lease fee. Location: Project is located in Silver Creek Village, a planned community located to the southeast of the junction of Interstate 80 and US 40, not far from the Home Depot and Summit County justice center. It is within the South Summit School District. Square Footage of Units: 1,400 (3BR), 1,480 (4BR). Estimated HOA Dues and CLT Lease Fees: $200/month Estimated Completion: Spring (Note: Market rate housing is also being constructed in the area). Proposed Floor Plan for 3 Bedroom Unit Unit sizes, prices, and floor plans are subject to change. Page 15 of 18

16 Discovery MCHT (on behalf of private developer) 25 Townhomes, 4 Duplex Units, 1 Single Family Home (all 3BR - 4BR) Estimated Pricing: $320,000 - $420,000. Income Qualification: 60% AMI 80% AMI based on household size. Employment Qualification: Full time (30 hours of employment per week) employees of agencies, organizations or businesses located within Summit County. Deed Restrictions: Unit must be owner-occupied as a primary residence. Appreciation is limited to a maximum of 3% per year. Property may not be rented unless approved by MCHT for limited extenuating temporary circumstances such as military service or mission assignments. Other restrictions to be included in recorded restrictions. Location: Project is located behind the Weilenmann School of Discovery between Pinebrook and Summit Park. It is within the Park City School District. Square Footage of Units: 1,470 (3BR townhome), 1,530 (4BR townhome). Estimated HOA Fees: $250-$300/month Estimated Completion: Spring (Note: Discovery also includes 67 market-rate townhomes and houses). Unit sizes, prices, and floor plans are subject to change. Page 16 of 18

17 Silver Creek Village Self-Help Townhomes Note: Due to the fact that these units are constructed under a federal (USDA) program, applications are made under a separate process. If you are interested in the Self- Help Townhomes at Silver Creek Village, contact Becky Cranney at MCHT ( x13 or for additional information. Silver Creek Village is a new community of over 1,200 residential units located to the southeast of the intersection of Interstate 80 and U.S. 40. Approximately one-third of the total units will be restricted for affordable workforce housing. The first phase of development will include eight affordable townhomes which their owners will help construct under the USDA Self-Help housing program. Self Help Program: Owner/volunteers 30 hours work - labor as down payment. Work with construction supervisor and group of other homeowners. Subsidized Loan 1%-3% Interest 33/38 year amortization. Townhomes: 2 bedrooms (1,050 square feet) 3 Bedrooms (1,130 square feet). 2 car tandem garage. 3 stories. Estimated Loan: $185,000 - $195,000. Income Eligibility: Income to qualify - as little as $30,000/year. Maximum household income (family of 1-4): $65,800. Maximum household income (family of 5-8): $86,850. Restrictions: Income eligibility. Owner occupancy. Community Land Trust land lease nominal lease payment. No payment for land, only improvements. Resale price adjustment Ex. $20.00 per hour for 1,000 hours of labor: $190,000 + $20,000 = $210,000 Price $210, % appreciation annually, sale to qualified buyer Unit sizes, prices, and floor plans are subject to change. Page 17 of 18

18 District Boundaries of Park City Public Schools (for PCMC projects) Page 18 of 18

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