Application process is provided FREE of charge, Please note you can also do the application yourself at no cost, on which building your home will cost you nothing as we do application to the Department Of Human settlement on your behalf( First Home Finance) and we use that amount to build your house. Please note the FHF amount does not cover for finishes like ceiling board, floor tiles, interior plaster, plumbing etc, should you need finishes as well we will discuss with you our options to assist you.