A Different Path to Homeownership
Your Home. 0% Interest.
A Shorter Path to Payoff.
Traditional mortgages often span 30 years. Our cash-funded program offers eligible participants a structured path to paying off their home in up to 15 years after allocation — potentially sooner with accumulated housing contributions.
0% Mortgage Interest
No traditional mortgage interest under the program's home purchase agreement.
Up to 15-Year Standard Payoff
A $450,000 home can be paid off in 180 monthly principal payments of $2,500. Previous eligible contributions can shorten that period.
Homes Up to $450,000
Explore qualifying homes nationwide within the program's maximum purchase price.
Payments, simply
Two stages. One clear plan.
Before receiving your home
$665 /month
Interest charged: $0
After receiving your home
$2,565 /month
Interest charged: $0
The $65 monthly service fee does not reduce your home purchase balance.
Tracked automatically
Every Contribution Moves You Forward.
Your eligible housing contributions are automatically tracked and can be credited toward your future home purchase. Once you receive your home, your monthly payments go toward reducing the remaining purchase balance, without traditional mortgage interest.
Each verified contribution
$600 tracked
Credited at allocation
Reduces your balance
Monthly principal after
$2,500
Full $450,000 payoff
15 years
Eligible accumulated contributions become purchase credits when you receive a home and sign the property agreement, shortening the post-allocation payoff. There is no guaranteed waiting period or allocation date. Signed-in participants see their actual contributions and balance in the Payoff Tracker.
Homeownership calculator · Illustration only
Explore your own path.
$50,000$450,000 maximum
Shows repayment after allocation with no credits assumed. Every verified $600 housing contribution is tracked automatically, and eligible accumulated contributions credited at allocation reduce the balance and shorten this period. Based on $600 in monthly housing contributions and $2,500 in monthly principal after allocation. The $65 monthly fee does not reduce the purchase balance.
Estimated payoff period after allocation
15 years
- Home purchase balance at allocation
- $450,000
- Monthly payment after allocation
- $2,565
- Monthly principal payments
- 180
- Mortgage interest
- $0
Compared with a traditional 30-year mortgage, this is a shorter path to payoff. Time before allocation varies and is not guaranteed. Estimates assume eligible credits and uninterrupted payments; they are not guarantees.
Already participating? Your actual balances come from verified financial records.
View My Payoff TrackerYour homeownership journey
Four steps to full ownership.
- 1
Join the Program
Start with $665 monthly payments.
- 2
Build Your Housing Credits
Your eligible $600 monthly contributions accumulate toward a potential future home purchase.
- 3
Receive Your Home
Subject to allocation, eligibility, available funding, and a signed property agreement, your eligible contributions are credited toward the purchase price.
- 4
Pay Toward Full Ownership
Make $2,565 monthly payments, including $2,500 toward your home balance, until the obligation is satisfied.
Important Program Information
- Home allocation is not guaranteed.
- Allocation depends on eligibility, funding, property availability, and program rules.
- $450,000 is a maximum eligible purchase price, not a personal account balance.
- The $65 monthly service fee applies in both stages.
- Payoff estimates assume timely payments.
- Ownership rights and title transfer are set by your signed property agreement.
- All financial illustrations are examples, not actual participant balances.