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Chandler First-Time Homebuyers Program (Community Land Trust)

City of Chandler Community Development Division; delivered by Newtown Community Development Corporation · Chandler, Arizona

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Chandler First-Time Homebuyers Program (Community Land Trust)?

Chandler First-Time Homebuyers Program (Community Land Trust) is down payment assistance for homebuyers in Chandler, Arizona, administered by City of Chandler Community Development Division; delivered by Newtown Community Development Corporation.

  • The Chandler First-Time Homebuyers Program provides affordable homeownership to low-income first-time buyers using a Community Land Trust (CLT) model administered by Newtown CDC. Buyers pay only for the structure; the land is retained under a 99-year renewable ground lease, keeping the home permanently affordable. Funded by HOME funds via the Maricopa HOME Consortium; ~69 CLT homes in Chandler.
  • Below-market price - buyer pays only for the structure.
  • 99-year renewable ground lease at low monthly cost.
  • Shared-equity resale restrictions protect equity and affordability.
  • Homebuyer education and counseling included.
  • Post-purchase support: refinancing/resale assistance, tool library.
  • DPA/WISH funds may apply toward $2,500 contribution.
  • Funding comes from HOME Investment Partnerships Program (Maricopa HOME Consortium / HUD); FHLB funds for DPA match.

Do you have to pay it back?

Chandler First-Time Homebuyers Program (Community Land Trust) is down payment assistance and is repaid under the terms set by City of Chandler Community Development Division; delivered by Newtown Community Development Corporation.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Chandler First-Time Homebuyers Program (Community Land Trust) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Not owned a home in past 3 years; OR single parent who only owned with a former spouse; OR displaced homemaker who only owned with a spouse
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Newtown CDC - First Time Homebuyer Workshop, 2-hour counseling, CLT orientation
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Must complete homebuyer workshop, 2-hour counseling, CLT orientation; qualify for a conventional mortgage. City contact: Karin Bishop, (480) 782-4353, karin.bishop@chandleraz.gov. Distinct from the Newtown CLT (Tempe) catalog entry - this program is Chandler-funded and Chandler-located. Participating lenders and current inventory: contact Newtown CDC.

The program excludes

  • Manufactured homes
  • New construction
  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Chandler First-Time Homebuyers Program (Community Land Trust) limits household income to 80% of the area median income, which varies by county and household size.

  • Gross household income < 80% AMI by family size. FY2025 Maricopa County (eff. June 1, 2025): 1=$62,850; 2=$71,800; 3=$80,800; 4=$89,750; 5=$96,950; 6=$104,150; 7=$111,300; 8=$118,500.
  • The limit applies to total household income, not only the borrower&rsquo;s.
  • The program lists a maximum household size of 8.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Chandler First-Time Homebuyers Program (Community Land Trust) can be used for Single Family.

  • New construction is not eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Chandler First-Time Homebuyers Program (Community Land Trust) serves buyers purchasing in Chandler, Arizona.

  • The program targets specific areas: Properties within City of Chandler boundaries; CLT homes in specific Chandler neighborhoods.

How do you apply?

Applications for Chandler First-Time Homebuyers Program (Community Land Trust) go through City of Chandler Community Development Division; delivered by Newtown Community Development Corporation, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Newtown CDC - First Time Homebuyer Workshop, 2-hour counseling, CLT orientation.

  2. Contact City of Chandler Community Development Division; delivered by Newtown Community Development Corporation to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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