Self-Help Housing

Self-Help Housing Program

The United States Department of Agriculture (USDA) Mutual Self-Help Housing program creates a partnership (or Fellowship) of generally 4 to 12 families working together to build their own homes. With the leadership of a qualified construction supervisor, the families generally save between $10,000 and $30,000 in housing costs using this “sweat equity” method. These families provide at least 65% of the labor necessary to build the homes. This labor is referred to as sweat equity and allows Habitat to build homes at cost reducing the need for contractors.

Habitat for Humanity will educate and guide participants through all phases of construction, such as framing, hanging drywall, painting, and landscaping. We teach other basic skills such as budgeting, money management, and the homebuying process.

Families of the program use the USDA Rural Development’s 502 Homeownership Loan Program to finance their homes. This is a low-interest loan based on the family’s income and is available to low- and very low-income families in rural areas with good credit history. This loan is offered at a term ranging from 33 to 38 years at a rate of as low as 1%.

Habitat for Humanity is currently looking for families who are interested in participating in this program.

The first step to apply is to attend a Home-buyer Interest Presentation. These are held monthly, visit our calendar page for our next scheduled presentation. If you’re unable to attend please contact our office to schedule a one on one presentation.