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Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program

Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT) · Lawrence, Kansas

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Assistance

$75,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

What is Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program?

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program is down payment assistance for homebuyers in Lawrence, Kansas, administered by Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT).

  • The Lawrence Community Housing Trust (LCHT), operated by Tenants to Homeowners, sells new and rehabilitated homes to income-eligible buyers at approximately $50,000-$75,000 below market appraisal value using a community land trust model. Buyers own the structure while LCHT retains land ownership under a $30/month ground lease. Benefits include minimal down payment (5% of gross income), closing cost assistance up to $4,000, no PMI, fixed-rate financing, and resale-price restrictions that preserve affordability in perpetuity.
  • ~$75,000 average price subsidy below market.
  • Down payment = 5% of annual gross income (often under $2,000).
  • Closing cost assistance up to $4,000.
  • No PMI.
  • No foreclosures in program history.
  • $25/month maintenance savings account.
  • Funding comes from Federal, State, and other grant funding or donations.

How much assistance does it provide?

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program offers up to $75,000 in assistance.

  • Buyer contribution: Down payment = 5% of annual gross income (e.g., $31K income = under $2,000 down). Required maintenance savings account of $25/month.
  • Amounts are the program's published maximums, not an offer — Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT) determines any individual award.

Do you have to pay it back?

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program is down payment assistance and is repaid under the terms set by Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT).

  • Repayment is triggered by Resale restricted per CLT ground lease formula (25% of market appreciation returned to buyer; remainder supports future affordability). Land leased at $30/month.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program 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: Must be first-time buyer or not have owned for 3 years per standard CLT policy.
  • The home is occupied as a primary residence
  • On credit: Credit score of 670 or higher required. No bankruptcies in last 2 years. Good bill pay within last 2 years.
  • A completed homebuyer education course, through TTH homebuyer workshop required. Budget and/or credit counseling from Housing and Credit Counseling Inc. (HCCI) required prior to purchase decision.
  • Residency: Lawrence, KS / Douglas County area
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Community land trust model; restricted resale formula limits appreciation but enables homeownership. No homes currently listed as of June 2026 (sold properties shown on site). Buyers must attend TTH homebuyer workshop and receive HCCI counseling. Income limits updated annually. Homes owner-occupied; not available to investors or landlords.

The program excludes

  • Manufactured homes
  • 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?

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program limits household income to 80% of the area median income, which varies by county and household size.

  • At or below 80% of Lawrence median family income per HUD guidelines. Updated May 2025: 1-person $77,300; 2-person $88,400; 3-person $99,400; 4-person $110,400; next update June 2026.
  • 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?

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program caps the purchase price as follows: Homes sold at approximately $50,000-$75,000 below market appraisal value. Recent sold properties around $125,000.

  • Eligible property types include Single Family.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program serves buyers purchasing in Lawrence, Kansas.

  • The program targets specific areas: Lawrence, Kansas and greater Douglas County.

How do you apply?

Applications for Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program go through Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through TTH homebuyer workshop required. Budget and/or credit counseling from Housing and Credit Counseling Inc. (HCCI) required prior to purchase decision..

  2. Contact Tenants to Homeowners, Inc. (TTH) / Lawrence Community Housing Trust (LCHT) 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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