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Homeownership Made Possible
We want to help more Houstonians own their own home. We acquire vacant, abandoned or damaged properties and facilitate the development of affordable new homes on them. Qualified homebuyers are able to obtain additional assistance from the City of Houston in order to purchase these homes with down payment assistance programs and the Houston Community Land Trust, which can help keep property taxes from rising too quickly so you can stay in your home.
Homebuyer Requirements
To purchase a home through the Houston Land Bank, all prospective homeowners must meet income qualification guidelines and complete a HUD-certified homebuyer education course. These steps help ensure long-term success and stability on your journey to homeownership. Proof of both income eligibility and course completion will be required during the application process.
Not Sure Where to Start?
If you’re feeling unsure or overwhelmed, we’re here to help. Just fill out the linked form, and a member of our team will reach out to guide you through the next steps.
Get Educated on Homeownership!
Join us for a Homebuyer workshop to learn more about the home-buying process and talk directly with financial institutions.
HUD-certified homebuyer education courses available in both English and Spanish, offered online and in-person. These courses are a vital step in preparing for successful, long-term homeownership
Find Out If You Qualify for Down Payment Assistance!
Are you ready to buy but may need some help with your down payment and closing costs? Use the Down Payment Assistance tool from ownthehou.org to learn whether you may qualify for programs in Houston and Harris County that offer financial assistance.
Two Great Homeownership Programs To Choose From
You have the opportunity to qualify for one or both of our homeownership programs. With each program, you can find your new home at a affordable price – to find out which programs you qualify for, use the chart below:
New Home Development Program
HLB Traditional Homebuyer
Does My Income Qualify?
Check the chart below to see which program or programs you may qualify for, and click on the links to learn more. Chart is based on U.S. Department of Housing and Urban Development (HUD) 2023 income guidelines. Income includes any payments from employment, child support, recurring gifts, etc. Household income limits are subject to change and will be updated here when they do.
| NHDP – 80 percent of area median income or less | Traditional Homebuyer Program – 120 percent of area median income or less | |
|---|---|---|
| If your household size is: | And your household income is no more than: |
|
| 1 | $53,000 | $79,450 |
| 2 | $60,600 | $90,800 |
| 3 | $68,150 | $102,150 |
| 4 | $75,700 | $113,500 |
| 5 | $81,800 | $122,600 |
| 6 | $87,850 | $131,700 |
| 7 | $93,900 | $140,750 |
| 8 | $99,950 | $149,850 |
| You may qualify to buy an NHDP home, click here for details! | You may qualify to buy a new home from an HLB approved builder, click here for details! | |