Father and daughter at computer

APPLY NOW

Apply to Become a Homeowner with Us

The Houston Community Land Trust's Homebuyer Application asks for information about who is living in the household, all sources of household income, consumer debt, savings and assets, credit history, current living situation and homeownership goals.

Please have supporting documents such as paycheck stubs, benefit award letters, personal income tax returns, a copy of your credit report, and bank statements available for reference when you are filling out the application.

Dear Valued Homebuyers,

Our team is currently reaching out to new applicants within 15 to 30 days of receipt of the online application. When you submit an application with us, please be aware that a dedicated Intake Team member will reach out to you to review your application within 15 to 30 days. 

 

Our offices will be closed in observance of the holidays on:

November 25th & 26th

December 22nd - January 3rd

The 15 to 30 day application response timeline is not inclusive of the above dates. Your understanding provides our stellar team an opportunity to rest and recharge during this time in preparation for the new year.

Thank you for allowing us to serve you!

AM I ELIGIBLE?

To qualify to buy with us, you must:

  • Have a gross annual household income of less than 80% AMI. Click here for the AMI Guide.

  • Attend an 8-hour HUD certified homebuyer education course and one of our CLT Orientation classes.

  • Be able to obtain a fixed-rate, 30-year mortgage from one of our approved lenders.

  • Have limited debt that is below Houston CLT's debt-to-income ratio limits.

  • Be able to contribute at least $3,000-$5,000 out-of-pocket toward closing costs (at least $350 must be in personal or IDA matched funds; other funds may be from gifts).

  • Maintain at least $1,000 of personal funds in reserve after closing.

  • Be willing and able to submit all required documentation to verify your eligibility.

Find out more on our How to Buy page.