Community Home Builders‘ Mutual Self-Help Housing program is for low to moderate income families determined to own their own homes. Approved applicants join a group of 8-12 families that work together to build each others homes in a rural community. You receive the financing, technical assistance and construction training needed to successfully complete the program, become a homeowner and take steps toward financial security.
Once approved for our self-help housing program, you will apply for an USDA-Rural Development (RD) mortgage which will cover 100% of the financing necessary to build your new home*. We’ll help you with the paperwork and then coordinate your building effort. Construction begins as soon as all applicants receive financing. Following construction, you will begin repaying RD, making reduced monthly payments that include your property taxes, insurance and a variable subsidized interest rate for the life of your mortgage. No down payment is needed as you are earning it by working on the construction site. It’s your “sweat equity”!