Through this component, THD has constructed some of its homes in subdivisions it has developed, leading to the formation of vibrant communities.
Rehabilitation for Resale
This project is made possible through a partnership with the Redevelopment Authority of the County of Washington.
The Self-Help Housing Program
USDA Rural Development Self-Help Programs
The USDA Purchase Repair Program helps families to purchase an existing home and make all necessary repairs to be code compliant and livable. In this program, the family members work only on their house.
Mortgage loans are provided by the USDA Rural Development Loan Program and have interest loans as low as 1% with a loan term lasting as long as 38 years; eligible families can even borrow the closing costs if needed.
About Our Programs:
- New Construction: Participants work in a group setting with other households under the guidance of qualified construction supervisors who will teach participants how to build their homes. 30 hours of labor are required each week on all the houses in a group. No one moves in until they are all complete.
- Purchase/Repair: Participants obtain a mortgage that will be used to buy a house and the supplies they'll need to renovate it. THD will send a qualified construction supervisor to train the homeowner in the skills needed to perform the work and to provide ongoing support and guidance. The participant puts in at least 120 hours to rehab the house.
- Mortgage Loans: Mortgage loans are provided by the USDA Rural Development Loan program. The loan features very low interest rates (as low as 1%) with a loan term of 33 or 38 years. Eligible families can even borrow the closing costs if needed.