Under the Nehemiah Program, the New York City Department of Housing Preservation and Development (HPD) supports the construction of homes in the East New York and Brownsville sections of Brooklyn developed by East Brooklyn Congregations (EBC), a consortium of over 30 congregations. HPD also works in the Bronx with the South Bronx Congregations (SBC). Involved churches contribute donations into a revolving construction fund while HPD provides below-market rate second mortgages to keep the homes affordable to occupants. HPD also assembles the land and provides it to the developer at a nominal cost to facilitate construction.