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BUY A HOME WITH US

Explore this page to learn about eligible home purchase options through the
HCLT home resales and the Homebuyer Choice Program, as well as our
application process, eligibility requirements for buyers, and more.

Eligible Homes

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.

Suburb Houses
HOMEBUYER CHOICE PROGRAM

You Shop for a Home, We Help You Buy

Choose your neighborhood, choose your home, and Houston Community Land Trust will help make your purchase affordable by placing the land "in trust".

Suburban House
HOMES FOR SALE

Shop Around

Buy an affordable home, at an affordable price from a current HCLT homeowner.

Homebuying Guide

Houston CLT Homebuying Guide

Follow these steps to affordable homeownership through one of our programs:

DISCOVER

How CLTs Work

ASSESS

Buyer Eligibility

APPLY

Online

PREPARE

For Your Purchase

SHOP

For a Home

GET TO KNOW

Your Ground Lease

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.

Discover

ASSESS

Your Buyer Eligibility to Buy with Us

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.

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

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

Assess

APPLY

Using our Online Application

Choose a home from a home being sold by one of our current
HCLT homeowners or shop for a qualifying home through our Homebuyer Choice
Program.

Apply

PREPARE

Complete your Pre-Purchase Requirements

Before you buy, you'll need to: 

  • Complete a HUD-certified Homebuyer Education Course with a local agency or online.

  • Complete a HCLT Orientation class with HCLT staff.

  • Obtain a loan pre-approval letter from one of our approved lenders.

  • Find a Realtor of your choice to represent you in the purchase process.

Throughout your homebuying process, our staff is here to help. Visit our Homebuyer Resources page for more details on pre-purchase requirements.

Prepare

SHOP

Shop for a Qualifying Home under one of our Programs

Choose from one of the new-build homes available through the New Home Development Program, or shop for a qualifying home in the neighborhood of your choice under our Homebuyer Choice Program.

Shop

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.

Get to Know

READY TO GET STARTED?

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