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. Funding comes from USDA Rural Development (Mutual Self-Help Housing); USDA Section 502 mortgages.

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.

South Central Community Action Partnership (SCCAP) Self-Help Housing Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Fairly good credit; credit check required. Residency requirement: Legal resident or U.S. citizen; serves USDA-eligible rural areas including Cassia and Twin Falls Counties (offices in Twin Falls and Burley). Underlying USDA 502 mortgage subsidized as low as 1% interest. Must commit 35 hours/week of build-site labor; credit check required; meet USDA income guidelines (generally 50-80% AMI); USDA-eligible rural area.

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.

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

South Central Community Action Partnership (SCCAP) Self-Help Housing Program serves homebuyers purchasing in Twin Falls, Idaho.

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