Self-Help Housing provides opportunities for moderate income individuals and families to own their own home when they otherwise may not have that opportunity. 

In addition to providing affordable income based loans through the USDA, Self-Help provides:

Community Action’s  Self-Help Housing Programs have made  homeownership a reality for over 200 families since the day they started in the spring of 1993.  The experienced staff assists families in obtaining subsidized USDA, Rural Development mortgages with affordable payments, often less than the rent they are paying.  In CAC’s signature sweat equity program, families move into brand new homes with an average of $25,000 in equity – all of this with no money down!

. . .

Beautiful building sites are currently available in Washington C.H., rural Fayette County  and Frankfort.  Future sites will include New Holland and Jamestown.

Applicants must have incomes at or below 80%  of the area median income (AMI). 

(some deductions apply)

Call for more details

. . .

Families may be eligible for a subsidy from USDA Rural Development to make their mortgage payment more affordable which includes the principal, interest, taxes and insurance.  The amount of subsidy is determined by family income with payments ranging from 1% interest up to the current note rate.  There is no required down payment.  Repayment feasibility is determined by using ratios of repayment (gross) income to principal, interest, taxes, insurance, and to total family debt. 

. . .

Loan terms are for up to 33 or 38 years. 

Families will perform 65% of the construction labor on each other’s homes under qualified supervision.  The savings from the reduction in labor costs allows otherwise ineligible families to own their own homes.  Families move in to their new homes with an average of $25,000.00 in equity.

Newsletters