What are the eligibility requirements?

    • You must attend one Free Homebuyers Workshop held by Lawrence Community Housing Trust.
    • Applicants must meet the following requirements:
      • Have a credit score of 680 or higher
      • Meet income guidelines at or below 80% of Lawrence median income
      • No bankruptcies in the last 2 years
      • Good bill pay within the last 2 years
      • Must attend one of the 2021 Home-buyers workshops;
        • Saturday, September 18
    • Homes must be owner-occupied. LCHT does not subsidize landlords.
    • You must be able to qualify for a home loan from a LCHT lender. This means you must have stable verifiable income, good credit and a low debt-to-income ratio. “If you are currently struggling to achieve a qualifying credit score, Don’t despair! TTH works with prospective homeowners to improve credit by developing a financial plan that will lead to program qualification. See our Contact page and reach out to Rebecca Buford, TTH Executive Director directly to schedule a credit counseling session.”

    If you have questions about qualifying for a loan, please contact us at 842-5494.

    Your total gross family income must not exceed the following 2019-20 income limits.

     Income Guidelines

    Family Size * 80% of Median
    1 $47,350
    2 $54,100
    3 $60,850
    4 $67,600
    5 $73,050
    6 $78,450
    7 $83,850



    *LCHT measures a family as the number of people who will be living in the house.