South Central Community Action Partnership (SCCAP) Self-Help Housing Program

What is South Central Community Action Partnership (SCCAP) Self-Help Housing Program?

South Central Community Action Partnership (SCCAP) Self-Help Housing Program is down payment assistance for homebuyers in Twin Falls, Idaho, administered by South Central Community Action Partnership (SCCAP).

• South Central Community Action Partnership has run a USDA-funded Mutual Self-Help Housing program for over 20 years (116+ homes completed) in which groups of 4-10 families build their own homes together under an SCCAP construction supervisor. Families provide 65% of the labor (35 hours/week) and the sweat equity replaces any cash down payment, giving roughly $40,000-$60,000 in instant equity at move-in. Financing is 100% through USDA Section 502 mortgages, with payments subsidized to as low as 1% interest.
• No down payment.
• Subsidized payment as low as 1% interest.
• 100% financing from construction to homeownership.
• $40,000-$60,000 instant equity at move-in.
• This is a federal program, so it is available beyond a single state or city.
• Funding comes from USDA Rural Development (Mutual Self-Help Housing); USDA Section 502 mortgages.

Do you have to pay it back?

South Central Community Action Partnership (SCCAP) Self-Help Housing Program is down payment assistance and is repaid under the terms set by South Central Community Action Partnership (SCCAP).

• Repayment is triggered by USDA 502 mortgage payments (100% financing from construction to homeownership).
• The assistance is recorded in First position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

South Central Community Action Partnership (SCCAP) Self-Help Housing Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

South Central Community Action Partnership (SCCAP) Self-Help Housing Program sets its income limit as follows: Must meet USDA income guidelines; generally serves families earning between 50% and 80% of area median income.

• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

South Central Community Action Partnership (SCCAP) Self-Help Housing Program can be used for Single Family.

• New construction is eligible.

Where does it apply?

South Central Community Action Partnership (SCCAP) Self-Help Housing Program is a federal program, so it is not limited to Idaho.

How do you apply?

Applications for South Central Community Action Partnership (SCCAP) Self-Help Housing Program go through South Central Community Action Partnership (SCCAP), which publishes the current terms and the application steps on its own site.

1. 1

   Contact South Central Community Action Partnership (SCCAP) to reserve funds

   Funds are reserved with the provider and are subject to availability.

2. 2

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.