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. It is important that you answer EVERY question accurately and to the best of your ability to avoid your application being labeled as "incomplete" or "ineligible". When submitting this application you are verifying that ALL information is accurate and truthful.

Dear Valued Homebuyers,

We are currently receiving a very high volume of applications. Our team is currently reaching out to new applicants within 30 to 45 business 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 30 to 45 business days. We hope to reduce our response time within the next few months and we appreciate your patience in the meantime. 

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.