Low income construction loans?

I live in grand count of utah. Myself and my wife are still young but we have a.25 acre lot of land we are looking to build a home but because my wife is unable to work it limits our income. I have heard of options like USDA Self help build programs but that is moving to a different lot from what we have and we would prefer to use the land that we already have. I am looking for any and all options regarding loans that will allow us to build our own home on the lot of land but keeping monthly costs low for our mortgage. Because of my limited income. I only make $12.50 Per hour and work full time.

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