Affordable Homeownership Programs in Harris County

Check out these Affordable Home Programs offered in Harris County


If you want help applying to these programs, you can Contact us here to help!


Harris County Single-Family New Construction (SFNC) Program

  • The Harris County Single-Family New Construction (SFNC) Program offers the opportunity to purchase affordable new homes in growing developments throughout Harris County.
  • Eligible homebuyers can purchase a new home at below market prices with financial assistance from the program.
  • The homes in this program are well-built, energy efficient, and feature the latest interior designs.
  • They are located in desirable areas, including Katy, Tomball, Humble, Aldine, Lake Houston, and Pasadena.
  • To be eligible, your household income must be at or below 80% of the area median income and you must be a US Citizen or hold an eligible immigrant status.
  • You must also attend a HUD-certified homebuyer course and live in and maintain the home for an affordability period of up to 10 years.
  • If applicable, you should not have any existing mortgages you're unable to pay off and you must be current on child support payments.
  • To apply or get more information, you can contact the Single-Family New Construction Program at dr-sfnc@csd.hctx.net or call 832.927.8301. You can also visit harrisrecovery.org/sfncp for a full list of requirements and additional information.

Harris County Community Land Trust (HCCLT)

  • The Harris County Community Land Trust (HCCLT) helps individuals and families who are priced out of quality homeownership opportunities due to rising home prices.
  • Community Land Trust partners with home buyers who have median incomes or below 80% of the Area Median Income to purchase affordable homes in unincorporated Harris County.
  • Community Land Trust provides subsidies to help bridge the affordability gap between home prices and buyers' income levels.
  • Participants must meet income qualifications and be able to qualify for a mortgage.
  • Community Land Trust provides a subsidy at closing to ensure long-term affordability.
  • The land is owned by Community Land Trust, while the home and other structures are owned by the family through a 99-year ground lease.
  • The home is inheritable, and if a family decides to sell, they must sell at a restricted price to maintain affordability, providing the same opportunity to another household in need.
  • Community Land Trust aims to offer a wide range of decent, safe, and affordable homeownership opportunities for individuals with limited incomes.
  • Eligibility criteria include household income at or below 80% of the area median income, US citizenship or eligible immigrant status, and creditworthiness.
  • To learn more about eligibility and get additional information, visit the HCCLT website at www.HarrisCountyClt.org or call 832-927-4827.