Qualify for NCLT Housing

NCLT reviews 3 main criteria when considering applications: Income, First Time Home Buyer Status, and Household Size.

1) Income

Renters and homebuyers may not exceed a maximum income limit for their household size. This income limit is determined each year by the US Department of Housing and Urban Development (HUD).

The rent or monthly fee you pay should not exceed 1/3 of your total monthly income. Each household must have the ability to pay the designated monthly fee, which is different for each property. If the monthly fee amount exceeds 1/3 of the household's total income, then the household would not qualify for that particular unit.

You are eligible for the CLT Program if your gross annual income below the allowed maximums displayed in the chart below:

ALAMEDA COUNTY Income Limits for
Housing Cooperatives and Rental Units /
Condominiums and Single Family Homes

Household SizeOne PersonTwo PersonsThree PersonsFour PersonsFive Persons
Income Limits for Housing Cooperatives (CO-OPS) and Rental Units
Allowable Maximum Household Income for 2017
(60% of AMI)
Income Limits for Condominiums (CONDOs) and Single Family Homes
Allowable Maximum Household Income for 2017
(80% of AMI)

  * 60% and 80% Area Median Income (AMI) table pursuant to 2017 HUD Standards for Alameda County

2) First Time Home Buyer Status

A first time home buyer is considered someone who has

  • never owned a home before
  • hasn’t owned a home in the last 3 years
  • has been involuntarily displaced from your home

All CLT homeowners must complete required homebuyer and/or homeowner trainings. These workshops cover a variety of topics including home maintenance, financial budgeting, and property management. 


3) Household Size

NCLT also considers household size, credit and rental histories, employment information, readiness for home ownership, and city of residence. 

When available, NCLT may provide down payment assistance and special funding to those who qualify. Additionally, NCLT staff will assist applicants in identifying and applying for appropriate home loan products and subsidies.

The NCLT proudly complies with the provisions of federal, state and local law prohibiting discrimination in housing on the basis of marital status, race, color, religion, ancestry, gender, sexual orientation, age, national origin, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related conditions, physical handicap or other arbitrary basis. The NCLT is an equal opportunity housing provider.

Learn more about NCLT's ranking criteria.

© 2017 Northern California Land Trust
3120 Shattuck Avenue Berkeley, CA 94705
Phone: 510-548-7878 Fax: 510-548-7562