The scheme of preferential budget lending for separate groups of people on the term of mortgage deposit with down payment during 15 years is developed and adapted to the modern conditions. The mechanism of regional budgetary funds participation in house building (acquisition) for separate groups of people with usage of ownership charge for mortgaged real estate can be used for any social projects. The basic result of this scheme is an essential reduction of the costs for the participants of mortgage housing Program and a guarantee of budget bankrolls return by the mortgage borrower.