Many who participate in this program are unable to find a home they can afford, much less come up with a down payment. In the mutual self help housing program, self-help groups help to build each other's homes. A group of 6 to 8 families and individuals work together under the giudance of Florida Home Partnership's Construction Supervisors. By working together, they complete their homes at the same time. No one moves in until all the homes are completed.

Their labor becomes their down payment. Hard work is they key, along with a willingness to work cooperatively with other participants. The members of the group share the common goal of homeownership and commit themselves to share in the work that will make that goal a reality.

The mutual self-help housing concept builds more than just homes; friendships develop and communities are created.