Our Solutions


Pouring the foundation for wealth creation

PAHA is forming public and private alliances to create a new path to homeownership for low-to- moderate-income workers and seniors. Our goal is to establish a local supply of homes that are affordable now and for generations to come.

PAHA will achieve this through two unique programs based on qualified incomes: Community Land Trusts and Property Development Alliances. Both provide alternatives to a standard home purchase that reduce the initial cost of a home. (see box below)

In these programs, PAHA manages long-term restrictions placed on the title deed or a land lease. Owner occupation is required. The percentage of market appreciation a seller can earn is capped at a fair return.

The remaining equity is shared with PAHA and is used to keep the homes affordable for future income-qualified buyers. “Sharing the equity” lets PAHA help area workers get into a home over and over again.


PDAs are for workers who earn 100-120% of area median income ($40-$55/hour). The house and land are sold together, but PAHA reduces the full purchase price through public and private alliances.  

PAHA collaborates with municipalities and other jurisdictions that need affordable worker housing to create developer incentives such as increased density and unique zoning options. It gives developers the flexibility to build a small percentage of homes dedicated to local workers and seniors in an approved subdivision at much lower prices.


CLTs are for workers who earn as little as 60%-80% of area median income (approx. $25-$36/hr). Qualified homebuyers purchase only the house while the land (owned by PAHA) is leased separately at a significantly reduced cost to the homeowner. PAHA acquires land either through donations or purchases that are offered at below-market rates.

Join us on our journey

Our Partners

What does data say about
shared-equity homes?

70% are first-time homebuyers.
60% go on to buy market-rate homes.
Individuals and families build wealth by earning a fair return and paying down a mortgage instead of paying rent, with the added benefit of a steady monthly payment so long as they reside in the home.
Resulting neighborhoods lead to greater health, educational and employment outcomes for residents.