The Smoketown Community Land Trust shares an applicant pool with River City Housing, to maximize the availability of lasting affordable homeownership opportunities throughout Louisville.
The SmoketownCLT builds homes ONLY in Smoketown, and River City Housing builds throughout the Metro area.
To purchase any of our homes, all potential applicants must
Click the Link Below to review Program Policies
1. Must be a first-time home buyer (not owned a home in the past
three years)
2. Must meet the current HUD annual income guidelines for households below 80% AMI
26-27 FY HUD Annual Income Limit (AMI) Guidelines
# in Household Max Income
1 Person $55,450
2 People $63,400
3 People $71,300
4 People $79,200
5 People $85,550
6 People $91,900
3. Complete HUD-certified New Homeowner Training (price varies)
4. Must apply for and meet requirements for Down Payment Assistance
with Louisville Metro Down Payment Assistance Program
5. Provide a Metro DPA eligibility letter with maximum PITI (Principal,
Interest, Taxes, and Insurance) listed
6. Provide a lender Pre-Qualification letter from a program
approved lender
7. Provide Section 8 Housing Choice Voucher Worksheet (if applicable)
8. Complete online Lasting Affordable Homeownership Application
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