Mutual Self Help Housing Program

WHAT IS IT?

The Mutual Self-Help Housing is a program that helps families and individuals work together to build their homes.  You save on contractor costs by providing this sweat equity.  Our clients move into their new home with an average of $10,000 to $20,000 equity.

WHERE CAN I BUILD?

You pick your land subject to approval by Crawford-Sebastian Community Development Council.  You can build in Franklin, Crawford or Sebastian Counties (the cities of Fort Smith and Barling are excluded from this program).

WHAT IS THE COST?

Your labor is your down payment.  You will get a subsidized loan with Rural Development with an interest rate ranging from 1% to 3.25%.  The payment is based on your income and can be anywhere between $360 – $650 inclusive with taxes and insurance.

CAN I CHOOSE MY OWN FLOOR PLANS?

You can select from several two, three, and four-bedroom plans we have designed.

WHAT IS REQUIRED OF ME?

You become involved in the construction with volunteer hours under the supervision of the Construction Manager.  No construction experience is necessary.  Anyone can do the work required of homeowners.  These who have limitations can utilize help from family and friends. Licensed contractors are supplied by Crawford-Sebastian Community Development Council.

HOW DO I KNOW IF I QUALIFY?

Contact a Self-Help Housing Counselor at 479-353-9079.  We will assist you with a plan to become mortgage ready.

Income limits apply:

NUMBER IN HOUSEHOLD                    INCOME LIMIT

1 – 4                                                         $38,950

5 – 8                                                         $51,400

 

This program is income based, so you income with be within the above limits.  If your income is below that, you might qualify for a subsidy assistance on your payment.  Call us, and we can calculate it for you.

ENERGY STAR 3 RATED

Our homes are rated for energy efficiency and we put in many Universal Design Features so that homes are more accessible to our clients over the long term.  The homes are affordable to buy with affordable payments, and just as important, affordable to maintain monthly.

For additional information on our Self-Help Program, please contact:

Home Ownership & Asset Development Center

479-785-2303 ex 109
Or
Call or text 479-353-9079
Or
Email:  mfuchtman@cscdccaa.org

 

 

Here are a few of the homes we have completed.