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Clark County Welcome Home Community Land Trust (CLT)

Clark County Community Housing Office · Clark County, Nevada

Last verified
See what you qualify forOfficial program site →
Income limit

100% AMI

Of area median income; varies by county and household size

Price cap

$341,200

Highest purchase price the program allows

Repayment

Shared appreciation

Settled on the terms set by Clark County Community Housing Office

What is Clark County Welcome Home Community Land Trust (CLT)?

Clark County Welcome Home Community Land Trust (CLT) is a shared-appreciation loan for homebuyers in Clark County, Nevada, administered by Clark County Community Housing Office.

  • The Clark County Welcome Home Community Land Trust (CLT), launched November 2025, is the first government-run CLT in Nevada, creating permanently affordable homeownership for low-to-moderate income first-time buyers. The county retains land ownership via a perpetual ground lease while eligible buyers purchase the home at a below-market price (~$267,400-$341,200 vs $409K-$419K development cost), with the county covering the gap via a silent second mortgage. Resale-restricted ground lease keeps homes affordable for future buyers. First development (Rebecca Place, 30 homes) targets move-ins Q4 2026.
  • Below-market home prices (~$267K-$341K).
  • County silent second covers subsidy gap at 0%.
  • 3% down with DPA allowed to supplement.
  • Permanent affordability via ground lease.
  • Lottery open to all Clark County residents/workers.
  • New construction single-family homes.
  • Funding comes from Clark County Community Housing Fund (local county general funds); BLM land conveyances.

Do you have to pay it back?

Clark County Welcome Home Community Land Trust (CLT) is a shared-appreciation loan and is repaid under the terms set by Clark County Community Housing Office.

  • Repayment is triggered by Sale, transfer, or non-owner-occupancy; home must be resold at below-market CLT formula price to next eligible buyer per ground lease terms.
  • The assistance is recorded in Second position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Clark County Welcome Home Community Land Trust (CLT) 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 not have owned a home in the last 5 years
  • The home is occupied as a primary residence
  • On credit: Minimum credit score of 640 required; counseling available for applicants below 640
  • A completed homebuyer education course, through CPLC (in-person EN/ES); Community Services of Nevada (virtual EN/ES); Nevada Partners (in-person/virtual EN/ES); Navicore (virtual EN)
  • Residency: Must live or work in Clark County, NV; lottery preference for residents up to 3 years
  • DRAFT (dpa-gap-finder 2026-06-13): pending admin review. Minimum household size of 2 for current projects. Must attend CLT orientation, complete homebuyer education, complete pre-application, and obtain a Preferred Lender pre-qualification letter. No foreclosure in last 5 years; no prior homeownership in last 5 years; under $60,000 liquid assets. Formal applications not yet open as of June 2026 (Q2 2026 timeline). UNCONFIRMED: eligible loan product types; DTI maximum; HOA policy; stackable DPA names/amounts; ground lease length; resale formula details; county silent-second terms.

The program excludes

  • Manufactured homes
  • Purchases above the $341,200 price cap
  • Households above 100% 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?

Clark County Welcome Home Community Land Trust (CLT) limits household income to 100% of the area median income, which varies by county and household size.

  • 2026 HUD-based limits by household size: 2-person $78,560 (100% AMI); 3-person $88,380; 4-person $98,200; 5-person $106,056; up to 9-person $137,480. Minimum income floor also applies (4-person $49,101). 80% AMI tier applies to Cactus Trails.
  • The limit applies to total household income, not only the borrower’s.
  • The program lists a maximum household size of 9.
  • 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?

Clark County Welcome Home Community Land Trust (CLT) caps the purchase price at $341,200.

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

Where does it apply?

Clark County Welcome Home Community Land Trust (CLT) serves buyers purchasing in Clark County, Nevada.

  • The program targets specific areas: Current projects: Rebecca Place (NW Las Vegas Valley) and Cactus Trails (SW Clark County, BLM land). Open to all Clark County residents/workers.

How do you apply?

Applications for Clark County Welcome Home Community Land Trust (CLT) go through Clark County Community Housing Office, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through CPLC (in-person EN/ES); Community Services of Nevada (virtual EN/ES); Nevada Partners (in-person/virtual EN/ES); Navicore (virtual EN).

  2. Contact Clark County Community Housing Office to reserve funds

    Funds are reserved through Lottery from pool of pre-qualified applicants who completed orientation, education, pre-application, and lender pre-qualification, 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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