Contact Information:
Andy Clay, Program Manager

2890 Chad Drive
Eugene, OR 97408
(541) 687-5820
Nearby bus line: 66, 67

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Home of Your Own Program

Home of Your Own Program  Update: May 1, 2019

newly constructed house on a picturesque hill.

If you’ve always wanted a home of your own, St. Vincent de Paul may be able to help!  We are partnering with local builders, the United States Department of Agriculture, and the Neighborhood Economic Development Corporation (NEDCO) to help make dreams a reality. This unique partnership is formed to create beautiful architecturally designed homes that are affordable to build and affordable to own. 

Participant homebuyer-builders will perform select tasks to gain some “sweat equity” to reduce the cost of the home and obtain low interest loans with payments tailored to fit your budget. St. Vincent de Paul may assist with funding to help further reduce the USDA loan.  All of this, along with help from a home builder with years of self-help affordable housing expertise, make this a great opportunity.

What’s required?

  • Minimum estimated annual gross income needed is $28,500.
  • Adjusted annual household income must not exceed 80% of Lane County Median Income per household size.  Example: For a household with 4 persons, the adjusted income cannot exceed $51,300 per year.
    80% of Lane County Median Income
    $36,350 1
    $41,550 2
    $46,750 3
    $51,900 4
    $56,100 5
    $60,250 6
    $64,400 7
    $68,550 8

    See the chart at right.
  • Homebuyer Training Course Completion Certificate.
  • The Applicant/Homebuyer must be able to qualify for the primary home loan to purchase the lot and for construction of the home.   
  • Participants provide a minimum of 50 hours of ‘sweat equity’ labor for one person on the title, or a mimum of 100 hours for two persons on the title. Some volunteer help must be utilized.

HOYOP benefits:

  • Affordable monthly payment to fit your budget
  • No down payment required and 100% financing is possible.
  • USDA funded loan with as low as 1% interest rate with subsidy provision.
  • Sweat equity labor helps reduce the cost of your home.
  • Choose your own lot and energy-efficient floor plan.

What should I do now?

house under construction


HOYOP Application Guide

HOYOP Application

  • Obtain and complete the HOYOP application. You can pick one up at 2890 Chad Dr., Eugene, or download it here.
  • Return your completed application along with proof of income to St. Vincent de Paul, Attn: HOYOP, P.O. Box 24608, Eugene, OR 97402. You can hand-deliver your paperwork to 2890 Chad Dr.
  • Call the USDA Rural Development (866) 923-5626. Ask for 502 Direct Loan Application.
  • Register for Homebuyer Training & Counseling by calling NEDCO (541)345-7106.
  • Any questions? Call the program manager Andy Clay at 541-501-0894.