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Programs that offer homes or housing units including condominiums and apartments at lower than current real estate prices for individuals and families who wish to purchase housing and qualify on the basis of income. Also included are properties that are available under lease-purchase arrangements.

Programs that make housing more readily available to middle or low-income individuals and families or other identified groups by offering lower priced or cooperative housing and/or affordable payment plans, arranging for interest or mortgage subsidies for people who qualify on the basis of income, or by providing mortgage-free homes, generally for designated populations.

Programs that make low-cost housing available to people who have very low incomes by organizing a group of volunteers to design and construct houses which are then sold at cost and at no interest to individuals who qualify by making a small down payment and investing a specified number of hours of "sweat equity" working on the project.