Self-Help Housing Program
This program is designed to help low and very low income families realize the dream of homeownership through actual involvement with constructing their own homes as well as working on other participant’s homes. Participants in the program will pay no down payment and no closing costs but are required to contribute some of the labor, referred to as “sweat equity” which results in reduced construction costs to build the home. This contribution of labor equates to the need for a smaller loan which means a lower mortgage payment. Without the Self Help Housing program, homeownership would not be possible for many families.
In addition to sweat equity savings, some families qualify for grant funds from Oklahoma Housing Finance Agency and Federal Home Loan Bank of Topeka. Those families can apply for a developer subsidy and reduce the cost of their home on average, by $9,000. That is an actual savings of $9,000 dollars that otherwise would have to be borrowed. Native American families can receive tribal funds to include in their loan for construction from the Choctaw and Chickasaw Nations.
How do I apply?
Please click the button below to download the Intake Form. Complete and print the Intake Form and contact the Office that serves the County in which you are interested in building in. LIFT CAA Offices are listed on the right sidebar.
We’re Here to Help!
Hugo Homeownership Center
(Serving Choctaw County)
500 East Rosewood Street
Hugo, OK 74743
Idabel Homeownership Center
(Serving McCurtain County)
312 NW Texas Street
Idabel, OK 74745
Antlers Homeownership Center
(Serving Pushmataha County)
601 SW “B” Street
Antlers, OK 74523
Durant Self Help Housing Office
(Serving Bryan, Atoka and the eastern Marshall Counties)
400 West Main, Suite D
Durant, OK 74701
Ardmore Self Help Housing Office
(Serving Carter, Love and western Marshall Counties)
414 South Commerce
Ardmore, OK 73401
View Self-Help Housing Family’s Experience
Key Advantages of Our Program
- No down payment
- No closing costs
- Participants may qualify for grants
- Native American participants may receive Tribal funds for construction
- No monthly house payment until you move in
- Low monthly house payments that include taxes and insurance