NACA is developing new construction affordable beautifully designed high-quality factory-built homes. The variety of NACA home designs would blend in with the existing communities including porches, multi-story, garages, etc. These affordable homes utilize innovative materials and building techniques, such as modular, panelized, and other building types that are tornado and hurricane resistant, far exceeding the HUD and applicable state code.

The NACA Home can be built on a lot purchased through a city’s One-Dollar Program, purchased by NACA, or owned or purchased by a Member. The Member utilizes NACA’s Best in America mortgage which can also utilize a Member’s Housing Choice Voucher (i.e., Section 8) for the mortgage payment.  

How is this possible:

  • No land cost:

City sells the vacant property to the homebuyer for $1

Savings: $5,000 to $50,000

  • No developer overhead or profit:

Savings: 25% – 50% of the property cost

  • Low-cost high-quality factory built modular housing:

Savings: 10% – 20% of the building cost (e.g., $85 per square foot)

  • Reduced utility costs using structured insulated panel construction:

Savings: 75% of monthly utility costs


Purchase price: $115,000

  • Structure – Three bedroom and two bath 1,200 square foot
  • Land – One-Dollar Homeownership Program
  • Developer Fee & Profit – None
  • Building cost – $85 per square foot
  • Foundation and site preparation – $15,000
  • Mortgage Payment with NACA’s Best in America Mortgage: – $750
  • Utility Costs – 75% monthly reduction

Mortgage payment is likely lower than their rent and even more affordable with government assistance.