It is a USDA/Rural Development program administered by NNHC that makes housing affordable through "sweat equity." Families work together as a group to build approximately 65% of their homes. This labor not only acts as the down payment, but can substantially reduce the price of the home. There may be additional assistance available for qualified families, such as a mortgage with a reduced interest rate, and other grants, that keeps monthly house payments affordable. Knowledge of construction is not required. However, it is hard work and it does require commitment. Households work together, with each family contributing a minimum of 35 hours of labor per week for approximately 8 to 12 months. The homes are built simultaneously; no one moves in until all the homes are completed.