Colorado Community Land Trust
Your partner in affordable housing

Here are the detailed steps to take to become a home owner through the CCLT:

  • See if you Qualify by reviewing our income restrictions.



  • Attend a first time Home Buyer Education Class through the CCLT affiliate at The Colorado Housing and Finance
    Association.  Click HERE for the class schedule or to take the class on line.  We need a copy of your certificate of
    completion before closing on your property.

  • Attend a CCLT Home Owner Orientation.  
    During the Home Owner Orientation we will share an overview of the benefits and restrictions of our
    Affordable Housing Program and review the Land Lease you will be subject to when buying a CCLT home.  

    Topics highlighted:          
    1. Provisions of the Land Lease
    2. Financial Benefits, monthly and yearly
    3. Resale Formula, the method CCLT uses to calculate a maximum resale price.  Buyers are limited to a 25%
    return of equity when selling their home.  The remainder of the profit stays in the home to maintain the
    property as affordable in perpetuity.

    Potential buyers will have the opportunity to visit with a CCLT representative and/or a lender and may discuss the
    program at length.

    Occupancy Requirements and Explanation of a Community Land Trust

  • Only home owners may occupy the residence - the townhome may not be leased.

  • The land and the townhome are separately owned.  The land is owned by the CCLT and the townhome is owned by
    the home buyer.

  • The home buyer has a 99-year land lease with the CCLT.

  • The CCLT determines the allowable maximum resale price according to the land lease and affordable housing
    guidelines and administers the sale and resale of the home to assure the next buyer is income eligible.


Purchasing a home may be daunting, especially for people with modest-incomes, who are often first-time home buyers.
Colorado Community Land Trust makes the process easier by working with interested buyers to educate and position
them to succeed in home ownership.

CCLT's home buyer services include buyer orientation, first-time home buyer classes, mortgage pre-qualification (with one
of our participating lenders) and income verification. Through this process, potential buyers learn about the benefits and
obligations of home ownership, as well as about the specific requirements of the land trust model. From search to closing,
CCLT is there to make home ownership happen.

    Please let us know how we may help you move forward on your purchase of a home and welcome you to the Lowry
    neighborhood!  
Welcome Home Buyers