Making Your Dreams A Reality
Home Ownership Programs
Serving North Carolina only
Self-Help Program
The USDA Rural Development Self-Help program is Housing Assistance's most affordable homeownership program. Participants earn "sweat equity" toward their new home by completing 65% of the labor, or 10 hours per week, for upwards of 10 months before moving in. No construction experience is required. Homes are built on land pre-purchased by Housing Assistance for the program in Polk, Transylvania, and Henderson Counties.
New Homes Program
The New Homes program is an alternative to the Self-Help program. It offers the same attractive, quality homes at affordable prices with no “sweat equity” required. New Home construction takes 10 months on average to complete. The homes are built on land pre-purchased by The Housing Assistance Corporation for the program, not private land, in Transylvania, Henderson, or Polk County.
Direct Purchase Program (Pre-existing Homes)
Clients can purchase an existing home with the Direct Purchase option. The program assists low to very low-income applicants obtain safe, affordable housing in eligible locations. The Housing Assistance Corporation serves all counties in North Carolina through this program.
The first step is to contact the Housing Ccounseling team who work to qualify eligible households for the 502 Direct Purchase Program.
Down Payment Assistance
Down Payment Assistance is offered through the North Carolina Housing Finance Agency (NCHFA). Having a deferred payment may increase your purchasing power, reduce your first mortgage amount, or make monthly payments more affordable.
Click the box above for the prequalification form and a Housing Counselor will contact you to discuss your application.
To speak directly with a Housing Counselor, contact Crystal Watkins at (828) 450-3777.
