BUY A HOME WITH US
Explore this page to learn about eligible home purchase options through the New Home Development Program and the Homebuyer Choice Program, as well as our application process, eligibility requirements for buyers, and more.
Find Available Homes
Houston Community Land Trust's programs offer you options for finding an eligible home of your choice. Explore our programs below to determine which one is right for you.
DISCOVER
what is Unique about Community Land Trust Homeownership
By separating ownership of the home and the land, the Community Land Trust model makes homeownership more affordable to buyers. Visit our What's a CLT? page to learn more about our model.
ASSESS
your Eligibility to Buy with Us
To qualify to buy with us, you must:
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Have a gross annual household income of less than 80% AMI. Click here for the AMI Guide.
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Attend an 8-hour HUD certified homebuyer education course and one of our CLT Orientation classes.
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Be able to obtain a fixed-rate, 30-year mortgage from one of our approved lenders.
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Have limited debt that is below Houston CLT's debt-to-income ratio limits.
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Maintain at least $1,000 of personal funds in reserve at closing.
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Be willing and able to submit all required documentation to verify your eligibility.
PREPARE
Complete your Pre-Purchase Requirements
Before you buy, you'll need to:
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Complete a HUD-certified Homebuyer Education Course with a local agency or online.
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Complete a HCLT Orientation class with HCLT staff.
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Obtain a loan pre-approval letter from one of our approved lenders.
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Find a Realtor of your choice to represent you in the purchase process.
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Throughout your homebuying process, our staff is here to help. Visit our Homebuyer Resources page for more details on pre-purchase requirements.
GET TO KNOW
the Community Land Trust Ground Lease
Own your home. Lease your land from Houston Community Land Trust for 99 years. If you decide to sell, sell to another qualified buyer for the always-affordable Resale Formula Price. Through our educational program, you'll learn the ins and outs of Community Land Trust homeownership and the Ground Lease before you buy.