Harris County Community Land Trust Homeownership Program
Funding status: Active
How much assistance
Reduced purchase price (buyer purchases home only, not land) (Silent Second Mortgage)
Resale restrictions apply to maintain affordability in perpetuity. Homeowners lease land on a 99-year renewable and inheritable ground lease.
Eligibility
- Income limits: At or below 80% of Area Median Income (AMI)
- First-time buyer required: No
- Credit score minimum: 620
- Geographic restrictions: Must purchase within Harris County
- Homebuyer education required: Yes
How to Apply for Harris County Community Land Trust Homeownership Program
Step 1: Visit harriscountyclt.org to check available inventory homes and submit an application. Applicants must complete HUD-approved homebuyer education, have liquid assets below $15,000, and meet income and credit requirements.
Notes
Community Land Trust model where buyer purchases home but leases land. As of 2024, only accepting applications for inventory homes. Verify current availability with Harris County HFC.