FHAFHF
FHA Families Helping Families Program
An affordable homeownership solution for multi-generational families — placing two manufactured homes on a single property with shared ownership and the FHA One-Time Close Construction Loan.
Two Homes, One Property, Shared Ownership
The FHAFHF program places two manufactured homes on a single property:
Primary Home
Permitted as the main residence — typically the larger household.
Accessory Dwelling Unit (ADU)
A second home on the property, permitted as an ADU.
Both families are tenants in common — sharing ownership of the entire property. This co-ownership model creates a unique pathway to homeownership while reducing costs and promoting financial stability.
Unlike adding an ADU later — which requires additional permits, infrastructure, and higher costs — our program incorporates both homes from the start, significantly reducing expenses by structuring land, utilities, and infrastructure for the footprint of both homes.
Program Details
Why the FHAFHF Program?
Affordable Homeownership
Families who may struggle to afford homeownership independently can join forces to make it possible.
Lower Cost of Living
Shared ownership leads to lower mortgage payments — often more affordable than renting a single home.
Equity Building
Both families grow their investment over time, benefiting from property appreciation and shared equity.
Reduced Infrastructure Costs
Building both homes from the start cuts future construction expenses — no costly retrofitting later.
Multi-Generational Support
Families assist each other with childcare, household expenses, and day-to-day living.
Community & Stability
Homeownership fosters long-term security and strengthens family bonds across generations.
FHA One-Time Close Construction Loan
We utilize the FHA All-in-One Close Construction Loan, which combines land purchase, construction, and permanent financing into a single streamlined process.
Manufactured Housing Requirements
Non-Profit Construction Corporation (NPCC) strictly adheres to all FHA guidelines for factory-built housing, new construction, and one-time close loans. Homes must meet:
Apply for the FHAFHF Program
Fill out the application below and our team will review your information and reach out within one to two business days to discuss your options.
Is the FHAFHF Program Right for Your Family?
Visit our contact form and select this program to start your journey toward affordable, multi-generational homeownership.