FG Affordable Housing Scheme: Eligibility and How to Apply

The federal government's affordable housing programmes aim to increase homeownership among middle- and low-income Nigerians. Here we summarise the main schemes and how to assess your eligibility.

National Housing Programme and Related Schemes

Under the National Housing Programme and related initiatives, the government partners with developers to deliver housing units at subsidised rates. Target beneficiaries often include civil servants, low-income earners, and first-time buyers. Eligibility criteria typically consider income, employment, and sometimes state of residence.

Units are often allocated through a ballot or first-come-first-served process once applications are verified. Locations vary by state and phase of the programme. Applicants should research the specific scheme they are applying to and the delivery timeline.

Application Process

Applications are usually done through designated portals or offices. Required documents may include proof of identity, proof of income, and evidence of savings or willingness to access mortgage products. Successful applicants may be required to pay a deposit and commit to a payment plan or mortgage.

Keep copies of all submitted documents and any reference numbers. Follow up through official channels only. Be wary of anyone asking for extra "processing" or "allocation" fees outside the published requirements.

Eligibility and Allocation: What to Expect

Demand often exceeds supply, so allocation can be competitive. Applicants should verify official channels, avoid paying middlemen for "allocation," and read all terms before committing. Digit Properties does not process government schemes but keeps you informed on housing policy and listings across Nigeria.