Father and daughter at computer


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.


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.