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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.
Check Your Eligibility for Our Home Buyer Programs
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 (NDHP)
HLB Traditional Homebuyer
Description
Houston Land Bank works with our approved builders to sell them lots, on which they will construct new homes for sale to qualified buyers. A new house at an affordable price!
Land sold to HLB builders below market rate
HLB builder builds a home within the HLB AMI sale price limit
HLB helps stewards
home sale
Eligible homeowners purchase a home (120% of AMI)
The New Home Development Program (NHDP) provides newly constructed, affordable single-family homes for qualified homebuyers. This program is in partnership with the City of Houston Housing and Community Development Department.
HLB reserves lots for COH program, COH reimburses land costs
COH builder builds a home funded by COH
HLB stewards
home sale
Eligible homeowners purchase a home (80% of AMI)
You must have a gross household income of 80% of area median income (AMI) or less.
You must have a gross household income of 120% of area median income (AMI) or less in order to qualify.
Eligibility
And your household income is no more than:
You may qualify to buy a new home from an HLB approved builder, click here for details!
You may qualify to buy a NDHP home, click here for details!
$84,950
$56,650
Household Size: 1
$97,050
$64,750
Household Size: 2
$109,200
$72,850
Household Size: 3
$121,300
$80,900
Household Size: 4
$131,050
$87,400
Household Size: 5
$140,750
$93,850
Household Size: 6
$150,450
$100,350
Household Size: 7
$160,150
$106,800
Household Size: 8
​Chart is based on U.S. Department of Housing and Urban Development (HUD) 2026 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.
In addition to the income requirements, to purchase an NHDP home you must agree to live in it as your principal place of residence, and meet other requirements including:
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Complete an eight-hour certified Homebuyer Education Course through a HUD-approved counseling agency.
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Must be a U.S. citizen or permanent resident alien.
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Must be able to obtain a 30-year fixed-rate mortgage for the purchase price. The program does not accept adjustable-rate mortgages (ARM) or seller-financed mortgages.
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Must have less than $30,000 in liquid assets
​​
Remember: If you buy a home through the NHDP program, you must live in it as your principal place of residence.
In addition, you must:


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Occupy the home as a principal residence
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Have income-qualified by the City of Houston
​​
The land comes with a ten-year deed restriction to maintain qualified income and preserve affordability.
You can purchase a NHDP home at the listed sales price with the help of up to $50,000 in assistance through the New Home Development Program, depending on the loan pre approval.
​
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You must have a gross household income of 80% of area median income (AMI) or less. See Chart
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You must be able to qualify for a mortgage and meet other program requirements.
​
To learn more about any of our new homes for sale, you can contact one of our listing brokers:​
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Properties Across Houston
Property Listings
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:
$197,620.00
6616 Apollo St, Houston, TX 77091, USA
Program: Traditional
Active
$279,900.00
311 Tennessee St, Houston, TX 77029, USA
Program: Traditional
Active
$225,000.00
2524 Sam Wilson St, Houston, TX 77020, USA
Program: Traditional
Active
$225,000.00
5712 Downing St, Houston, TX 77020, USA
Program: Traditional
Active
$279,900.00
313 Tennessee St, Houston, TX 77029, USA
Program: Traditional
Active
$228,000.00
6710 Utah St, Houston, TX 77091, USA
Program: NHDP
Active
$228,000.00
7974 Fowlie St, Houston, TX 77028, USA
Program: NHDP
Active
$228,000.00
7970 Fowlie St, Houston, TX 77028, USA
Program: NHDP
Pending
$279,900.00
311 Mascot St, Houston, TX 77029, USA
Program: Traditional
Pending
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Who We Serve
We recognize that affordable housing is essential at every Area Median Income (AMI) level, ensuring that individuals and families across all economic backgrounds have access to safe, stable, and attainable homes. Our current affordable home programs serve residents at 120% AMI & below
Khiana G.
Homeownership to me is more than just a place to live. It helps with stability and creating generational wealth for my children.
R.S.
Owning my home has given me a deep sense of independence and stability. It’s empowered me to build , feel more rooted in my community, and take pride in a space that truly reflects who I am.
Anabel, Guidance Counselor
I love the idea that my doors and hallways are wide enough for my wheelchair and when my friends with disabilities come over. Having my home means having the independence and the ability to move around freely, doing the things I enjoy! Having a good time with friends and family in my happy place is the ultimate!