1. BUYING A HOME IS WITHIN YOUR REACH.
Coming soon to Kingston AND Port Orchard!
More floorplans to choose from!
HOMES FOR SALE
Made possible by:Housing Kitsap committed to:
Built specifically for income-eligible applicants, the Self-
Help housing program is tailor made for working class
individuals and families. Homeownership is within reach!
Homes are built in groups of 9-12 homebuyers offering the
opportunity to forge relationships with your soon-to-be
neighbors before even moving in. When you build a Self-
Help home with Housing Kitsap, you build a community.
BENEFITS AND FEATURES OF YOUR
MUTUAL SELF-HELP HOME INCLUDE:
 New Construction Homes
 Learn Construction Skills:
No Experience Necessary!
 ENERGY STAR® Certified Homes
 Low, Affordable Mortgage Payments
 $0 Down-Payment
 Gap Financing Available
 Professional guidance throughout the
entire process of purchasing and
building your home.
STEP 2
Download a FREE
application.
STEP 3
Send your complete
application to:
Fax:
(360) 535-6169
Getting started is easy.
STEP 1
Call (360) 535-6139
or visit
www.HousingKitsap.org
to see where we are
building next.
Email:
Marketing@HousingKitsap.org
Mail:
Housing Kitsap
Attn. Self-Help Program
345 6th Street
Suite 100
Bremerton, WA 98310
BUILD YOUR DREAM HOME WITH HOUSING KITSAP.
Interested in volunteering with us? Call (360) 535-6139 for more information.

2. Housing Kitsap’s Mutual Self-Help Housing Program Criteria
1. Maximum Income Limits (as of July 2016; Subject to change)
*If your income is slightly higher than the numbers shown above, please contact us for a similar opportunity.
Approximately $30,000 per year is the minimum income limit, but if you are a very-low income family we will look
closely at your household budget to determine your eligibility.
2. Household Contribution to Construction
Each household is expected to contribute a minimum of approximately 30 hours to the construction of their groups’
homes each week. Relatives and friends may volunteer and contribute a portion of the time for you. It takes an
average of 10-12 months to complete a build group of homes, depending on the weather and the group effort.
3. Credit History
Households must have a decent credit history, which means no outstanding collections within the previous six (6)
months or bankruptcies within the previous three (3) years and no outstanding judgements against them. All other
payments must be current, with no more than two late payments in the most recent 12 months from applying for
USDA home loan funds.
4. Source of Income
At least one member of the household should be permanently employed for two (2) years or more in the same line of
work. Other sources of income may be used in calculating the payments, such as child support, DSHS, Social
Security, state benefits, retirement benefits, disability benefits, etc.
5. Assets
If the household has more than $15,000 in cash assets, a down-payment may be required. Household possessions
are not considered cash assets. The household cannot own real property or, in some cases, a mobile home.
The Housing Kitsap Self-Help Housing Program is an agency created to assist families in building their own homes. The
program is unique, as it requires participants to commit time and effort in the construction process. This maximizes the
homebuyer’s investment ensuring an affordable and quality home purchase. No experience is required. Housing Kitsap
is an equal housing opportunity agency.
To learn more, please contact our homeownership department at (360) 535-6139 or
marketing@housingkitsap.org and visit our website at www.housingkitsap.org.
Housing Kitsap’s mission is to manage, preserve and build safe affordable housing serving
individuals, families and communities throughout Kitsap County.
***
In accordance with Federal law, this institution is prohibited from discrimination on the basis of race, color, national origin,
sex, age, or disability. To file a complaint of discrimination, contact: USDA, Director, Office of Civil Rights, 1400
Independence Avenue SW, Washington D.C. 20250-9410 Telephone: 866-632-9992  TDD 202-401-0216
Number of people in household Kitsap County Mason County
1 - 4 $62,500 $48,650
5 - 8 $82,500 $64,200
8 + Please Call Please Call