The intent of the programs are to provide families, with low incomes, an opportunity to own a home rather than rent a home. The Housing Authority shall continue to offer qualified individuals, a lease with an option to buy; any of the remaining single family homes in the mutual help inventory. as they become available. The units are all single family units and are located in all four districts.

To obtain a home under this program, the homebuyer must be low income and agreeable to a mandatory fifteen year lease-to-own status. The first fifteen years are considered rental. At the end of that fifteen year period, the tenants will be offered the opportunity to continue their month-to-month lease or buy out the balance of the mortgage on the home. The units are single family and are located in all four districts.

A one-time limited modernization assistance is offered to elders age 62 or older and handicapped individuals for medical needs documented by a physician or work necessary to keep the unit structurally sound. This work cannot exceed $8,000.00. This includes material, labor and insurance.

This program is to assist low income families an opportunity to finding housing in the private sector. Assistance to be provided will be the first and last months' rent and the security deposit. The maximum of assistance to be provided will be $2, 100.00.

This program is to assist families who have an income of not greater than 80% of area median income with down payment and closing cost assistance. The amount of assistance varies from approximately $15,000.00 to $25,000.00.