This "sweat-equity" home building program provides new construction of single family homes on subdivision lots for home buyers that earn a low to moderate income. Families must be willing to provide their time and talents in the construction of their home.
 This sweat equity from the owners substantially reduces the down payment. Local contractors are used for the site development and construction such as concrete work, framing, plumbing, heating, electrical wiring, and sheet rock.
Program Guidelines
- 18 years or older
- Meet income guidelines
- Good credit
- Willing to work 30 hours/week- 15 hours minimum per homeowner, with other hours potentially coming from family and friends. (A few hours each weekday evening and Saturday during the day.)
Contact us for more information
Now Accepting Applications for:
- Orchard Grove, 17 & 1/2 and Ottley, Fruita, Colorado
- Colony Meadows, F ½ Road and Colony Road, Clifton, Colorado
- Copper Canyon, F ¼ Road and 33 Road, Clifton, Colorado
Self-Help Housing Program Application
Past Locations:
- Dougherty Subdivision, McCune and Redbud Court, Fruita
- Cedar Park Subdivision, 18 Road and Kiefer Ave, Fruita
- Evening Breeze Subdivision, Ottley and Juniper Streets, Fruita
- Arrow Leaf Subdivision, 33 & E-1/4 Roads, Clifton
- Aspen Grove Subdivision, 32-1/2 & E Roads, Clifton
- Fruitvale Meadows, 30-3/4 and D-1/2 Roads,Fruitvale
- Orchard Grove, 17 & 1/2 and Ottley, Fruita, Colorado
- Gentle Wind, D&7/8ths Road and 32 Road, Clifton, Colorado
- Colony Meadows, F ½ Road and Colony Road, Clifton Colorado
Over 210 units completed by HRWC since 1997
Housing Information:
- 3 bedrooms, 2 bathrooms, 2 car garage (approx. 1200 sq feet living space)
- Homes are built to exceed Colorado E-Star Energy Efficiency Rating
- Target Population: Families earning no more than 80% of the Area Median Income, an approximate maximum of $45,000 for a family of four
- Average Cost of Construction: $129,000
- Financing Sources:
- USDA Rural Development (1st mortgage loans-interest rates as low as 1%)
- FHLB grants (Second mortgage-forgivable after 5 years)
- Additional funding from community development financial institutions
- Down payment provided by sweat equity at minimum of 30 hours/week during construction
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