Community-owned land. Permanently affordable futures.

Residential Programs

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CLT Homeownership

How CLT Homeownership Works

Affordable Homeownership Through the Community Land Trust Model


Rondo Community Land Trust creates permanently affordable homeownership opportunities in St. Paul, and Ramsey and Dakota Counties, using the community land trust (CLT) model. By separating ownership of the home from the land, we lower purchase costs while preserving long-term affordability.


Our programs help low- to moderate-income families build equity and create generational wealth, all while keeping homes affordable for future buyers.

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You Purchase the Home

Qualified buyers purchase the home at an affordable price. The cost is lower because the land is not included in the sale.

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The Land Stays Community-Owned

Rondo CLT retains ownership of the land through a 99-year renewable ground lease, protecting long-term affordability.

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You Build Equity

Homeowners build wealth by paying down their mortgage and earning a portion of the home’s appreciation when they sell.

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Affordability Is Preserved

A resale formula ensures the home remains affordable for the next family, creating generational impact from a single investment.

Homeownership Programs

Paths to Affordable Homeownership

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Homebuyer Initiated Program

Rondo Community Land Trust’s Homebuyer Initiated Program (HIP) helps income-qualified households purchase and rehabilitate homes in St. Paul and Suburban Ramsey County.

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Acquisition / Resale Program

Our Acquisition/Rehab/Resale program purchases homes on the open market and then makes improvements to minimize long term maintenance and energy costs to ensure a healthy home.

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Inheritance Fund Program

Through the Inheritance Fund, qualifying descendants can receive between $50,000 and $110,000 in downpayment assistance to purchase a home in Saint Paul to address lost generational wealth.

Stewardship & Education

Guidance for Sustainable Homeownership

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Pre-Purchase Stewardship & Education

Rondo Community Land Trust’s Stewardship & Education program ensures homeowners have the tools, knowledge, and support to succeed for the long term. From preparing to purchase a home to navigating repairs, refinancing, and resale, we provide guidance that strengthens stable homeownership and helps build lasting community wealth.

Post-Purchase Stewardship

Homeownership doesn’t end at closing. Rondo CLT provides ongoing stewardship services to help homeowners maintain their homes, stay financially stable, and protect long-term affordability for future generations.

Start With an Orientation

Thinking about buying a home through Rondo CLT?



Our biweekly orientations explain how the community land trust model works, walk through eligibility, and outline next steps for residential and commercial opportunities.

Properties

Homes for the Community

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Approved Lenders

Approved Lending Partners

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Deangelo Ellis

Associated Bank

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Tiffany Phillips

Bell Bank

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Kathy Luebke

U.S. Bank

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Peggy Ryan

Bell Bank

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AJ Kozlak

CMG Financial

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Andrea Altamirano

Sunrise Bank

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Rocio Gomez

Sunrise Bank

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Pam Matthewson

New American Funding

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Chris Lee

CMG Financial

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Brad Dale

Guild Mortgage

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George Gershon

CMG Financial

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Carla Bland

Old National Bank

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Jeremy Meyer

Topline Credit Union

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Vee Ly Angeles

Old National Bank

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Taylor Tollette

Topline Credit Union

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Clayton Johnson

Topline Credit Union

Residential Resources

Unlock the Power of Information

NEWS

Latest Developments and News in the Rondo Clt and Community Led Housing Movements

Creative Currency: The Rondo Exchange Grand Opening!

April 1, 2026
Creative Currency: The Rondo Exchange Grand Opening!
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Rondo CLT Helps Family Achieve Homeownership in Saint Paul

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