We introduce Home-made Diffusion Model (HDM), an efficient yet powerful text-to-image diffusion model optimized for training (and inferring) on consumer-grade hardware. HDM achieves competitive 1024x1024 generation quality while maintaining a remarkably low training cost of $535-620 using four RTX5090 GPUs, representing a significant reduction in computational requirements compared to traditional approaches. Our key contributions include: (1) Cross-U-Transformer (XUT), a novel U-shape transformer, Cross-U-Transformer (XUT), that employs cross-attention for skip connections, providing superior feature integration that leads to remarkable compositional consistency; (2) a comprehensive training recipe that incorporates TREAD acceleration, a novel shifted square crop strategy for efficient arbitrary aspect-ratio training, and progressive resolution scaling; and (3) an empirical demonstration that smaller models (343M parameters) with carefully crafted architectures can achieve high-quality results and emergent capabilities, such as intuitive camera control. Our work provides an alternative paradigm of scaling, demonstrating a viable path toward democratizing high-quality text-to-image generation for individual researchers and smaller organizations with limited computational resources.