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APPLY FOR 
SHARED EQUITY

Apply for Shared Equity. 

Before applying for our Shared Equity Program and joining our Ready Buyer Pool, you must complete these goals to be eligible. When a home becomes available all applicants will notified and have the opportunity to apply for Buyer Selection for the property. A buyer will be chosen for the home by the CICLT using an objective scoring system ensuring accuracy and fairness to assess a family’s financial and housing stability, ability to benefit from the program, and readiness for future homeownership. 

What is the Ready Buyer Pool?

The Ready Buyer Pool is a group of people who are wanting to buy a home in the CICLT. These individuals have completed Homebuyer Education and Counseling, attended our Shared Equity Info Session, and met our other eligibility requirements. Whenever a new CICLT home goes on the market the Ready Buyer Pool will be notified and have the opportunity to apply for the home. Only those in the Ready Buyer Pool can apply for CICLT homes. Read more about eligibility and Get Started!

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Ready Buyers will need to attend the shared equity session annually, and may be required to meet with a housing counselor for a refresher on homebuyer education to remain in the Ready Buyer Pool and continue to be eligible for Buyer Selection. ​

Apply for Shared Equity & Join the Ready Buyer Pool

*This is not an application for a home. Before applying please make sure you have read about our Shared Equity Program.

Please include all the individuals in your household including dependents

Example: John Smith, 37

Sarah Smith, 35

Jack Smith, 16

Daisy Smith, 4


Have you attended a HUD certified Homebuyer Education class within the last year?
Yes
No
Have you attended a Shared Equity Information Session within the last year?
Yes
No
Have you completed Pre-Purchase Counseling?
Yes
No
A requirement of the program is that you have at least $4,500 in personal savings. Do you have that amount in your savings account now?
Yes
No
Our program has income limits based on how many people you have in your household. Please review the chart below. Is your household income equal or less than the maximum income of your household size?
Yes
No

 Household size : Maximum Income

1 Person : $64,150.00

2 People : $73,300.00

3 People : $82,450.00

4 People : $91,600.00

5 People : $99,000.00

6 People : $106,300.00

7 People : $113,600.00

8 People : $120,950.00​

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The Central Iowa Community Land Trust was founded in 2025 with the mission of empowering residents to create equitable, resilient, and thriving communities through permanently affordable housing.  

ADDRESS

PHONE

EMAIL

1618 6th Ave. 
Des Moines, IA 50314 
​
(Housed inside the HOME, Inc. Office Building.)

515-243-1277

info@ciclt.org

© 2026 Central Iowa Community Land Trust (CICLT)

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