Choose to Own

Program Overview

CHA’s Choose to Own Homeownership Program (CTO) allows qualifying Housing Choice Voucher (HCV) and Public Housing families to use their housing subsidy to purchase a home. Participants receive monthly assistance to help with part of their mortgage payments for up to 15 years (up to 30 years for head of households who are elderly or disabled).

The CTO program brings together experienced staff, community partnerships, and industry professionals to create a strong support network. This network helps guide you through the process of becoming a homeowner.

Benefits of the Program

CTO participants are eligible for the following benefits: 

• mortgage assistance for up to 15 years (up to 30 years for head of households who are elderly or disabled)
• pre- and post-purchase homebuyer education
• credit counseling
• connections to real estate professionals and lenders

Eligibility for the Program

To qualify for the CTO program, you must:

• Have been a CHA voucher holder or public housing resident for at least one year.
• Be in compliance and in good standing with your Housing Choice Voucher (HCV) or Public Housing (PH) lease.
• Be a first-time homebuyer, meaning you have not owned a home in the last three years.
• Meet income, credit, and savings requirements.

Click here for full eligibility guidelines.