MHO offers several programs to help families achieve the dream of homeownership. To participate, families or individuals must have lived in Western North Carolina for at least one year and fall within the following income guidelines.


Downpayment Assistance

housing_asheville.jpgUpdate: For the remainder of 2023, the Downpayment Assistance Program will be limiting its in-house loans to closing cost assistance only. The Loan Fund will continue to offer NCHFA Community Partner Loan Pool loans to eligible buyers. Information on CPLP loans can be found here.

Downpayment Assistance can fill the cash gap between the amount of your first mortgage and the total cost to purchase a home. While these loan funds can be used for downpayment, they can also be used to cover closing costs or to simply increase your purchasing power. To learn more about the program take a look at our brochure.

To start the Downpayment Assistance application process, complete the intake and authorization forms and email them tor fax them to 828-254-0120.

If you are a lender seeking additional program information or have questions about our lender guidelines, contact Kelly Nossiter at 828-775-7560.  NMLS#380447

Download Application


Meet Lorre, who participated in our Downpayment Assistance Program, in this video.


Self-Help Homeownership

MHO’s Self-Help Homeownership provides families and individuals the opportunity to achieve the dream of homeownership. The Self-Help program brings together a group of four to six qualifying families to work cooperatively to build their homes under the guidance of an MHO construction supervisor. All homes are financed with low-interest USDA mortgages, which along with the “sweat equity” construction hours put in by the homeowners, reduces the cost of the homes. With the Self-Help program, neighbors work alongside one another to build a community from the ground up. The program is labor-intensive, but also immensely rewarding. Read what Treva Williams, one of our Self-Help homeowners, has to say.

You can view our brochure here. For information on upcoming projects email

Download Application

Solicitud en Espanol

Meet Treva, one of our Self-Help homeowners, in this video.