What is a CLT?

A community land trust (CLT) is a community-based organization that provides lasting community assets and shared equity homeownership opportunities for families and communities. CLTs are established to serve as the long-term stewards of land and to protect long-term affordability and access to housing and other community uses located on that land. There are nearly 300 community land trusts currently in operation in the US.

A community land trust buys or receives donated land, builds homes (or acquires and rehabilitates existing homes), and makes these homes available for sale to limited-income homebuyers, writing down the purchase price to an affordable level by using public and/or private subsidies. CLTs are governed by a board of CLT residents, community residents, and public representatives – in Harris County’s case, the Harris County Community Land Trust Management Corporation, a subsidiary of the Harris County Housing Finance Corporation.

HCCLT Management Corporation

The Harris County Community Land Trust Management Corporation was established in January 2021 as a subsidiary of the Harris County Housing Finance Corporation. It is responsible for overseeing the day-to-day operations of the Harris County CLT.

The Harris County Community Land Trust aims to:

  • Offer safe, decent, and affordable homeownership opportunities for low-income buyers
  • Preserve long-term affordability for future low-income residents in the community

If traditional homeownership is out of reach due to your financial circumstances, a Community Land Trust (CLT) could be a great option. CLTs acquire or receive donated homes and offer them for sale to income-restricted buyers, while leasing the land beneath the property.

Here’s how it works

  • A family or individual purchases a home on land owned by a community land trust (CLT). The homeowner(s) leases the land from the CLT for 99 years, with the lease being both inheritable and renewable.
  • The home is more affordable because the homeowner is only purchasing the house, not the land.
  • The lease grants the homeowner exclusive rights to occupy and use the land, just like traditional homeowners.
  • If the homeowner decides to sell in the future, they agree to sell the home at a price set below market value, while still building equity. This helps keep the home affordable long-term and ensures that another household in need of this opportunity can benefit from CLT homeownership.
  • CLTs play an active role in supporting homeowners, helping them succeed and remain in their homes as long as they wish to own the property.

HUD Homebuyer Education Course Providers

(Free for those making 80% or below AMI)

Avenue Community Development

707 Quitman
Houston, TX 77099

713-864-9099
Provides Budget Worksheet

Fifth Ward Community Redevelopment Corporation

4300 Lyons Ave #300
Houston, TX 77020

713-674-0175
Provides Budget Worksheet

Credit Coalition

3300 Lyons Ave #203A
Houston, TX 77020

713-224-8100
Provides Budget Worksheet

Easter Seals of Greater Houston

4500 Bissonnet #340
Belaire, TX 77401

713-838-9050
Provides Budget Worksheet

HD-HCA-Cooksey

4018 Charles Street
Houston, TX 77004

713-987-7003
Provides Budget Worksheet

Money Management International (MMI)

Locations throughout Texas

866-515-2227
Provides Budget Worksheet

Tejano Center for Community Concerns

2950 Broadway Street
Houston TX 77017

713-640-3743
Provides Budget Worksheet

Approved Lenders

Land Home Financial

Craig Greenburg

Craig.Greenberg@LHFS.com

Amegy Bank

Eli Perez

eleazar.perez@amegybank.com

US Bankᅠ

Kathryn Hunter

Kathryn.joneshunter@usbank.com

Shirley Penn

Shirley.Penn@usbank.com

Cadence Bank

Zoey Mejia

Zoey.mejia@cadencebank.com

KaShana Bray

Kashana.bray@cadencebank.com

Cross County Mortgageᅠ

Felicia Rhodes

Felicia.Rhodes@ccm.com

Alyson Griffin

Alyson.Griffin@ccm.com

Jessica Roberts

Jessica.Roberts@ccm.com

Jennifer Grube

Jennifer.Grube@ccm.com

Application

The Harris County Community Land Trust (HCCLT) is now accepting applications for Inventory Homes only.

 

Current Inventory of Available Properties

Click here to see our inventory of qualifying homes.

Reference this Harris County Precinct Map for property locations.

 

Pre-application

Fill out the pre-application so a CLT representative can reach out with information.

 

Contact Information for Applications

The designated email for CLT applications and inquiries is: HCDInfo-HarrisCountyCLT@harriscountytx.gov

2024 Houston/The Woodlands/Sugar Land Region
HUD Maximum Annual Household Income Limits*


30%
Very Low Income
60%
Low Income
Imputed 100%
1-person
$19,900
$33,150
$39,780
$53,000
$66,250
2-person
$22,750
$37,850
$45,420
$60,600
$75,750
3-person
$25,600
$42,600
$51,120
$68,150
$85,188
4-person
$28,400
$47,300
$56,760
$75,700
$94,625
5-person
$30,700
$51,100
$61,320
$81,800
$102,250
6-person
$32,950
$54,90
$65,880
$87,850
$109,813
7-person
$35,250
$58,700
$70,440
$93,900
$117,375
8-person
$37,500
$62,450
$74,940
$99,950
$124,938

*Effective as of May 1, 2024. Household income limits are subject to annual changes.