The low-income buyer purchases a house with the structure of a down payment for equity, mezzanine finance, and debt. The equity comes from two sources, the borrower’s resources and a drawing from a rotating savings account. The equity fund pools contributions from individuals wanting to buy a home. The funds are deposited centrally in a trust account at a participating depository lender. Individuals sign a contract to make contributions to the pool annually for a given number of years. Once the pool is complete for that year, all members who have not previously won have the