Community Land Trusts (CLT) are non-profit, community-based organizations or programs that offer affordable housing to those who need it. CLTs own land and houses are built on that land. The CLT then leases the land and sells you the house, making you a homeowner. The goal of the Community Land Trust is to give more families the opportunity to own homes and enable lower-income households to build wealth.

The goal of The Housing Fund’s CLT is to build permanent, affordable housing for low- and moderate- income families in the greater Nashville area. The program’s focus is to serve as the permanent place for a community’s land and as the permanent steward for any residential or commercial buildings that are located on its land. Keeping ownership of the land allows the CLT to preserve the housing’s affordability and protect against foreclosure.