Home Ownership

The Chelmsford Housing Authority offers two scenarios for affordable homeownership: new construction and resales of existing units. There is no set timetable in place for new construction units; as the projects are built, the affordable units are offered via a lottery held by the CHA. Projects range from townhouse condominiums to single-family homes.

To view upcoming lotteries, please check this website as well as www.chapa.org . Housing lotteries are also advertised in The Sun newspaper. The resale program also features condominiums and single-family homes and operates on an ongoing basis. The CHA maintains a list of income-eligible buyers who will be offered the chance to purchase a unit that comes up for resale.

Applicants for both programs must be preapproved for a mortgage and must provide documentation to prove that they do not exceed the income limits. They must also have sufficient funds for a down payment and closing costs.

Eligibility Requirements for New Construction Units

Eligible applicants must have a combined annual household income from all sources of not more than 80 percent of area median income, as defined by HUD and adjusted for household size. According to the 2015 Income Guidelines, the maximum allowable household income is as follows: $46,000 for one person; $52,600 for two people; $59,150 for three; $65,700 for four; $71,000 for five; $76,250 for six; $81,500 for seven; $86,750 for eight.

  • Household assets shall not exceed $75,000.
  • Applicants must either be first-time homebuyers or cannot have owned a home in the past three years. Exceptions may be made for certain cases, including individuals who have owned a home with a spouse, are divorced or legally separated and do not currently own the home previously owned with the spouse.

Eligibility Requirements for Resale Units

The income limit for families of up to four people is $65,800. Because some of the units may be selling at $175,000 or more, the CHA will accept applications from anyone earning up to 120% of the area median income.

  • Household assets shall not exceed $75,000. Exceptions apply for applicants to the Windemere 55-and-older development.
  • Applicants cannot own another home when entering into a Purchase and Sale Agreement for an affordable unit.

How to apply

For more detailed information about the Affordable Homeownership Program, please contact Lisa Singleton: Contact Us! Form

To apply for Home Ownership please download and complete the Affordable Home Ownership Application