Single Family Housing
The USDA's Rural Development Program helps primarily very low- and low-income households construct their own homes. The program is targeted to families who are unable to buy clean, safe housing through conventional methods. Families participating in a mutual self-help project perform approximately 65 percent of the construction labor on each other's homes under qualified supervision. For more information, click here.
HUD's Self-help Homeownership Opportunity Program (SHOP) provides funds for eligible national and regional non-profit organizations and consortia to purchase home sites and develop or improve the infrastructure needed to set the stage for sweat equity and volunteer-based homeownership programs for low-income persons and families. SHOP funds are used for eligible expenses to develop decent, safe and sanitary non-luxury housing for low-income persons and families who otherwise would not become homeowners. Homebuyers must be willing to contribute significant amounts of their own sweat equity toward the construction of the housing units. For more information, click click here.
North Carolina Housing Finance Agency's (NCHFA) Self-Help Loan Pool assists self-help housing organizations, such as Habitat for Humanity, to build homes for their clients. For more information, please click here.
For information on local Habitat for Humanity affiliates, please click here.
The National Low Income Housing Coalition also offers good information, and answers many common questions on their website.