Se autoriza al Secretario de la Vivienda a crear un programa para subvencionar el pago mensual de la hipoteca y una parte del pronto pago a las personas o familias de ingresos bajos o moderados por conducto de la Autoridad para el Financiamiento de la Vivienda de Puerto Rico para ayudar a que las personas o familias de ingresos bajos o moderados puedan adquirir una vivienda de nueva construcción o existente, localizada en proyectos aprobados por el Departamento de la Vivienda o sus organismos adscritos o en conjunto con cualquier municipio de Puerto Rico.
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