What is Self-Help Housing… 

Self-Help Housing is a program for low-income families to achieve the dream of home ownership.  Qualified families work together under the supervision of a Construction Supervisor to construct their homes.

What is involved… 

To participate in the Mutual Self-Help program you must be willing to set aside all your spare time for at least one year.  Participants are required to contribute a minimum of 30 man hours per week in the evenings and on weekends.  Those hours can be contributed by family and friends that are willing to work in the participant’s behalf. 

$$ How much will it cost? $$ 

There is no cost to participate in the program.  The only up front money that you will need is what is necessary to purchase a Builders Risk policy to insure your home and materials while in construction.  Also, you will need to purchase the necessary construction tools to complete the project as a whole.

Where can we build? 

In order to do the program effectively, the building lots must be located fairly close to one another.  To provide for an effective program, UBAOG will have building lots available in a suitable location.  As each group is formed, the lots will be chosen on a first qualified, first choose basis. 

Who can qualify? 

Anyone whose annual income is equal to or less than the *income guidelines can qualify as long as they—

  • Don’t have an existing mortgage
  • Are capable of fulfilling the labor contribution requirements
  • Must qualify for a USDA 502 Direct Loan for the amount it costs to build (Click here for more information on USDA 502) pdf
    • Approved Credit
  • Have a desire to achieve home ownership 

No prior construction knowledge is required to participate in this program. 






House Plans are available to view below-


House Plan 9316

House Plan 9609

Plan 3

Plan 3 with Basement

Plan 5




To download the Self Help Brochure, Click Here. For Spanish, Click Here.



Mutual Self Help Housing and Self Help Acquisition Rehabilitation application Process

Pre-Application Process

  1. Print and fill out a Self Help Pre-Application. Read and follow the instructions on the front cover sheet of the pre application.
  2. You can email application and proof of income to This email address is being protected from spambots. You need JavaScript enabled to view it. , fax 435-722-4890, or mail to 330 East 100 South Roosevelt Utah 84066.
  3. Mail credit report fee to 330 East 100 South Roosevelt Utah 84066 or hand deliver. Make checks payable to UBAOG.
  4. You will receive a phone call and letter in the mail letting you know if you are Pre-Eligible.

Pre-Eligibility Process

  1. Set up an appointment to fill out the USDA-RD Application. The following documentation will need to be brought in at time of appointment.
  2. Applicant and any household member 18 years of age or older will need to fill out an Authorization form.
  3. A completed 4506T IRS tax form and 3550-4 Employment and Asset Certification form will also need fill out and submitted with your application.
  4. Contact USDA-RD to attend the Home Buyers Education class at 435-789-2100 Ext 120.

You can contact us at 435-722-4518 for assistance. If you prefer a paper copy of these applications one can be mailed to you.

Or pick up an application at these locations

 330 East 100 South Roosevelt, Utah 84066

152 East 100 North Vernal, Utah 84078 (Housing Department)







National Self Help Housing site:


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