U.S. Department of Housing and Urban Development

PROGRAMS OF HUD

Major Mortgage, Grant, Assistance, and Regulatory Programs

2011

Greetings from the Secretary:

I’m pleased to present to you a summary of HUD’s major mortgage, grant, assistance and regulatory programs. This manual briefly explains and updates the status of every program HUD operates, encompassing a host of issues within housing and community development. While our programs cover a broad range of subject areas, all of them are in service of a fundamental mission: to provide strong, sustainable, inclusive communities and quality, affordable homes for all Americans.

That mission has never been more important than it is now, as under President Obama’s leadership we emerge from an economic crisis linked to the collapse of our nation’s housing market. And whether it is strengthening that market to bolster the economy and create jobs, meeting the need for quality affordable rental homes, utilizing housing as a platform for improving quality of life, building inclusive and sustainable communities free from discrimination, or transforming the way HUD does business, HUD’s work is key to our recovery.

The scope of those goals and the diversity of our programs reflect a core philosophy at HUD under the Obama Administration: that when you choose a home, you don’t just choose a physical structure. You also choose transportation to work, schools for your children, and public safety. You choose a community – and the choices available in that community, whether urban, suburban, or rural. Ensuring every American family has those choices is what we have designed our programs to do.

Of course, while this document provides clear, concise explanations of HUD programs, we can never lose sight of the families our programs serve. Behind the formulas and the grant eligibility criteria of our programs are the stories of people’s lives, whether they are among the 1.6 million responsible first-time homebuyers the FHA has supported since President Obama took office; the 1.8 million people with disabilities we serve through Housing Choice Vouchers, the Section 811, Public Housing programs, and other initiatives; or the more than 900,000 seniors who live with the care they need and dignity they deserve thanks to our Section 202, Project-based Section 8, and Public Housing programs.

As big a difference as these programs make in the lives of ordinary Americans, this Administration is committed to making government more efficient, more effective and more accountable. Particularly in today’s tight fiscal environment, the need for responsible budgeting has never been higher – and making smart, responsible choices depends on quality information. That’s why I’m also committed to collecting the data we need to understand what works, what doesn’t, and what we need to do better – so that HUD can better serve the American people, better protect the American taxpayer and better partner with communities to meet the challenges of the decades ahead.

It’s that commitment to laying the foundation for the 21st century economy that makes me proud to present this comprehensive overview of HUD’s work.

Secretary Shaun Donovan

Table of Contents

Table of Contents ............................................................................................................... iii

Community Planning and Development ............................................................................1

Community Development Block Grants (CDBG) (Entitlement)...........................................1

Community Development Block Grants (Non-Entitlement) for States and Small Cities......3

Community Development Block Grants (Section 108 Loan Guarantee) ..............................5

Community Development Block Grants (Disaster Recovery Assistance).............................7

Community Development Block Grants (Section 107) .........................................................8

Community Development Block Grants for Insular Areas..................................................11

Community Development Block Grants (Rural Innovation Fund)......................................12

The HOME Program: HOME Investment Partnerships......................................................13

Housing Trust Fund .............................................................................................................15

Shelter Plus Care (S+C) .......................................................................................................16

Emergency Shelter Grants (ESG) Program..........................................................................18

Surplus Property for Use to Assist the Homeless (Title V) .................................................19

Supportive Housing Program...............................................................................................20

Continuum of Care Program ................................................................................................21

Section 8 Moderate Rehabilitation Single Room Occupancy (SRO) Program....................22

Rural Housing Stability Assistance Program .......................................................................24

Brownfields Economic Development Initiative (BEDI)......................................................25

Economic Development Initiative (―Competitive EDI‖) Grants .........................................26

Empowerment Zones ...........................................................................................................27

Self-Help Homeownership Opportunity Program (SHOP)..................................................29

Capacity Building for Community Development and Affordable Housing ........................30

Housing Opportunities for Persons With AIDS (HOPWA) ................................................31

Loan Guarantee Recovery Fund for Church Arson and Other Acts of Terrorism (Section 4)

..................................................................................................................................33

Federal Housing Administration (FHA) ..........................................................................34

Single Family Housing Programs ........................................................................................34

One- to Four-Family Home Mortgage Insurance (Section 203(b)) .........................34

Mortgage Insurance for Disaster Victims (Section 203(h)) .....................................35

Rehabilitation Loan Insurance (Section 203(k)) ......................................................36

Single Family Property Disposition Program (Section 204(g)) ...............................37

Loss Mitigation ........................................................................................................38

FHA-Home Affordable Modification Program (FHA-HAMP) ...............................39

Graduated Payment Mortgage (GPM) (Section 245(a)) ..........................................40

Adjustable Rate Mortgages (ARMs) (Section 251) .................................................41

Home Equity Conversion Mortgage (HECM) Program (Section 255)....................42

Manufactured Homes Loan Insurance (Title I)........................................................43

Property Improvement Loan Insurance (Title I) ......................................................44

Counseling for Homebuyers, Homeowners, and Tenants (Section 106) .................45

Good Neighbor Next Door.......................................................................................46

Energy Efficient Mortgage Insurance ......................................................................47

Insured Mortgages on Hawaiian Home Lands (Section 247) ..................................48

Insured Mortgages on Indian Land (Section 248)....................................................49

Risk Management and Regulatory Affairs...........................................................................50

Manufactured Home Construction and Safety Standards ........................................50

Multifamily Housing Programs............................................................................................51

Supportive Housing for the Elderly (Section 202)...................................................51

Assisted-Living Conversion Program (ALCP) ........................................................52

Emergency Capital Repairs Program .......................................................................53

Multifamily Housing Service Coordinators .............................................................54

Manufactured Home Parks (Section 207) ................................................................55

Cooperative Housing (Section 213) .........................................................................56

Mortgage and Major Home Improvement Loan Insurance for Urban Renewal Areas

(Section 220) ................................................................................................57

Multifamily Rental Housing for Moderate-Income Families (Section 221(d)(3) and

(4))................................................................................................................58

Existing Multifamily Rental Housing (Section 207/223(f)) ....................................59

Mortgage Insurance for Housing for the Elderly (Section 231) ..............................60

Supplemental Loans for Multifamily Projects (Section 241) ..................................61

Supportive Housing for Persons with Disabilities (Section 811) ............................62

Multifamily Mortgage Risk-Sharing Programs (Sections 542(b) and 542(c)) ........63

Mark-to-Market Program .........................................................................................64

Self-Help Housing Property Disposition .................................................................65

Renewal of Section 8 Project-Based Rental Assistance ..........................................66

Healthcare Programs ............................................................................................................67

New Construction or Substantial Rehabilitation of Nursing Homes, Intermediate

Care Facilities, Board and Care Homes, and Assisted Living Facilities

(Section 232); Purchase or Refinancing of Existing Facilities (Section

232/223(f)) ...................................................................................................67

Hospitals (Section 242) ............................................................................................68

Public and Indian Housing................................................................................................69

Housing Choice Voucher Program ......................................................................................69

Homeownership Voucher Assistance ..................................................................................72

Project-Based Voucher Program..........................................................................................73

Public Housing Operating Fund...........................................................................................74

Public Housing Capital Fund ...............................................................................................75

Public Housing Neighborhood Networks (NN) Program ....................................................76

Revitalization of Severely Distressed Public Housing (HOPE VI) .....................................77

Choice Neighborhoods.........................................................................................................78

Public Housing Homeownership (Section 32) .....................................................................79

Resident Opportunity and Self-Sufficiency (ROSS) Program.............................................80

Family Self-Sufficiency Program ........................................................................................81

Indian Community Development Block Grant (ICDBG) Program .....................................82

Indian Housing Block Grant (IHBG) Program ....................................................................83

Federal Guarantees for Financing for Tribal Housing Activities (Title VI) ........................84

Loan Guarantees for Indian Housing (Section 184) ............................................................85

Native Hawaiian Housing Block Grant (NHHBG) Program ...............................................86

Loan Guarantees for Native Hawaiian Housing (Section 184A).........................................87

Fair Housing and Equal Opportunity ..............................................................................88

Fair Housing Act (Title VIII) ...............................................................................................88

Fair Housing Assistance Program (FHAP) ..........................................................................91

Fair Housing Initiatives Program (FHIP).............................................................................92

Equal Opportunity in HUD-Assisted Programs (Title VI, Section 504, Americans with

Disabilities Act, Section 109, Age Discrimination Act, and Title IX) ....................93

Section 3 Program ................................................................................................................95

Voluntary Compliance .........................................................................................................96

Policy Development and Research....................................................................................97

Policy Development and Research Initiatives......................................................................97

Government National Mortgage Association (Ginnie Mae) ..........................................98

Ginnie Mae I Mortgage-Backed Securities..........................................................................98

Ginnie Mae II Mortgage-Backed Securities ......................................................................100

Ginnie Mae Multiclass Securities Program........................................................................101

Ginnie Mae Platinum Securities Program..........................................................................103

Healthy Homes and Lead Hazard Control ....................................................................104

Office of Sustainable Communities ................................................................................106

Sustainable Communities Initiative ...................................................................................106

Temporary Programs ......................................................................................................108

Housing and Economic Recovery Act of 2008 (HERA) Programs ...................................108

HOPE for Homeowners .........................................................................................108

Neighborhood Stabilization Program (NSP1)........................................................108

American Recovery and Reinvestment Act of 2009..........................................................109

(Recovery Act Programs)...................................................................................................109

Neighborhood Stabilization Program 2..................................................................109

Green Retrofit Program for Multifamily Housing .................................................109

Healthy Homes Demonstration Grant Program and Technical Studies Grants .....110

Homelessness Prevention and Rapid Re-Housing Program (HPRP).....................110

Lead-Based Paint Hazard Control Grant Program and Lead Hazard Reduction

Demonstration Grant Program ...................................................................110

Indian Housing Block Grants (Formula) ...............................................................111

Indian Housing Block Grants (Competitive) .........................................................111

Public Housing Capital Fund (Formula) ................................................................112

Public Housing Capital Fund (Competitive)..........................................................112

Tax Credit Assistance Program (TCAP)................................................................112

Dodd-Frank Wall Street Reform and Consumer Protection Act Programs .......................113

Neighborhood Stabilization Program 3..................................................................113

Emergency Homeowners Loan Program ...............................................................113

Programs to be Transferred............................................................................................114

Real Estate Settlement Procedures Act (RESPA) ..............................................................114

Interstate Land Sales ..........................................................................................................114

Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)..............114

Other Resources ...............................................................................................................116

Neighborhood Reinvestment Corporation (NeighborWorks America) .............................116

U.S. Interagency Council on Homelessness ......................................................................117

Tables ................................................................................................................................118

Inactive Programs...............................................................................................................118

Community Planning and Development ................................................................118

Housing/Federal Housing Administration .............................................................118

Public and Indian Housing .....................................................................................119

Policy Development and Research.........................................................................119

Key HUD Statutes..............................................................................................................120

Programs Frequently Identified by Statutory Title or Section Number .............................128

HUD Regional and Field Offices .......................................................................................129

Index of Common Program Names ................................................................................138

Community Planning and Development

Community Development Block Grants (CDBG) (Entitlement)

Federal funding to help entitled metropolitan cities and urban counties meet their housing and community development needs.

Nature of Program: Provides annual grants on a formula basis to entitled communities to carry out a wide range of community development activities directed toward neighborhood revitalization, economic development, and improved community facilities and services.

Entitlement communities develop their own programs and funding priorities and consult with local residents before making final decisions. All CDBG activities must meet one of the following national objectives: benefit low- and moderate-income persons; aid in the prevention or elimination of slums and blight; or meet certain community development needs having a particular urgency. Some of the activities that can be carried out with community development block grant funds include the acquisition of real property; rehabilitation of residential and nonresidential properties; provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; public services; clearance; homeownership assistance; and assistance to for-profit businesses for economic development activities.

No less than 70 percent of the funds expended over a period specified by the grantee, not to exceed 3 years, must be used for activities that benefit low- and moderate-income persons.

Grantee Eligibility: Metropolitan cities and urban counties are entitled to receive annual grants. Metropolitan cities are principal cities of Metropolitan Areas (MAs) or other cities within MAs that have populations of at least 50,000. Urban counties are within MAs and have a population of 200,000 or more (excluding the population of metropolitan cities within their boundaries).

Funding Distribution: From each year’s CDBG appropriation, excluding the amounts provided for grants under Section 107 of the Housing and Community Development Act of 1974 (Section 107 grants), and other specified grants, 70 percent is allocated to metropolitan cities and urban counties. The amount of each entitlement grant is determined by statutory formula, which uses several objective measures of community need, including poverty, population, housing overcrowding, age of housing, and growth lag.

Legal Authority: Title I, Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.). Regulations are at 24 CFR part 570.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Local officials and HUD field offices.

On the Web:

www.hud.gov/offices/cpd/communitydevelopment/programs/entitlement/index.cfm

Current Status: Active.

Community Development Block Grants (Non-Entitlement) for States and Small Cities

Federal funding to help states and units of local government in non-entitled areas meet their housing and community development needs.

Nature of Program: Provides grants to carry out a wide range of community development activities directed toward neighborhood revitalization, economic development, and improved community facilities and services. All CDBG activities must meet one of the following national objectives: benefit low- and moderate-income persons; aid in the prevention or elimination of slums and blight; or meet certain community development needs having a particular urgency. No less than 70 percent of the funds must be used for activities that benefit low- and moderate-income persons over a period specified by the state, not to exceed 3 years.

Some of the activities that can be carried out with community development funds include: the acquisition of real property; the rehabilitation of residential and nonresidential properties; the provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; the clearance, demolition, and removal of buildings; homeownership assistance; and assistance to for-profit businesses for economic development activities.

Under the 1981 amendments to the Community Development Block Grant (CDBG) legislation, each state has the option to administer the block grant funds provided for its non-entitlement areas.

If this option is exercised, the block grant funds are provided to the state, which distributes them as grants to its eligible units of general local government. The states’ objectives and methods of distributing the funds are determined in consultation with affected citizens and local elected officials. States are required to report annually on the use of funds.

Applicant Eligibility: Forty-nine states and Puerto Rico are entitled to receive grant funds for distribution to non-entitlement units of government (those that are not metropolitan cities or part of an urban county). Hawaii has elected not to administer funding under the state CDBG program. In Hawaii, HUD awards the funds directly to the three eligible non-entitled counties using statutorily determined formula factors.

Funding Distribution: From each year’s CDBG appropriation, excluding the amounts provided for Section 107 grants or specified other grants, 30 percent is allocated to non-entitlement areas. This amount is then allocated among the states on a formula basis. Each state’s allocation is distributed to units of general local government by either the state or, in Hawaii, by HUD.

Legal Authority: Title I, Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.). Regulations are at 24 CFR part 570. Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: States and HUD field offices.

On the Web:

www.hud.gov/offices/cpd/communitydevelopment/programs/stateadmin/index.cfm

Current Status: Active.

Community Development Block Grants (Section 108 Loan Guarantee)

Loan guarantee assistance for community and economic development.

Nature of Program: Section 108 is the loan guarantee provision of the Community Development Block Grant (CDBG) program. Under this section, HUD offers communities a source of financing for certain community development activities, such as housing rehabilitation, economic development, and large-scale physical development projects.

Eligible activities are (1) real property acquisition, (2) rehabilitation of property owned by the applicant public entity or its designated public agency, (3) housing rehabilitation eligible under the CDBG program, (4) special economic development activities under the CDBG program, (5) interest payments on the guaranteed loan and issuance costs of public offering, (6) acquisition, construction, reconstruction, rehabilitation, or installation of public facilities, (7) assistance for public facilities in colonias, (8) debt service reserves for repayment of the Section 108 loan, (9) other related activities, including demolition and clearance, relocation, payment of interest, and insurance costs. When determining eligibility, the CDBG rules and requirements apply. As with the CDBG program, all projects and activities must meet CDBG’s primary objective (use of 70 percent of funds must benefit low- and moderate-income persons) and one of the following three national objectives: (a) principally benefit low- and moderate-income persons, (b) assist in eliminating or preventing slums or blight, or (c) assist with community development needs having a particular urgency. Loans may be for terms up to 20 years.

The applicant pledges its current and future CDBG funds as the principal security for the loan guarantee. HUD may require additional security for each loan, and any additional security that may be necessary is determined on a case-by-case basis.

Applicant Eligibility: Metropolitan cities and urban counties that receive entitlement grants may apply directly to HUD for loan guarantee assistance. Non-entitlement communities under the state CDBG program may also apply, but must have a pledge of their state’s CDBG funds from the appropriate agency. Insular areas and non-entitlement communities in Hawaii may also apply directly to HUD for loan guarantee assistance. The public entity applicant may issue the Section 108-guaranteed obligation itself, or it may designate a local public agency with the necessary legal authority to do so. The appropriations Acts for fiscal years 2008, 2009, and 2010 authorize States borrowing on behalf of local governments in non-entitlement areas to apply. Final regulations implementing the authority pursuant to section 222 of the Omnibus Appropriations Act, 2009 (Public Law 111-8) were published on April 6, 2010.

Legal Authority: Section 108 of the Housing and Community Development Act of 1974 (42 U.S.C. 5308). Regulations are at 24 CFR part 570, subpart M.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000. Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/cpd/communitydevelopment/programs/108/index.cfm

Current Status: Active.

Community Development Block Grants (Disaster Recovery Assistance)

Nature of Program: HUD provides flexible grants to help cities, counties, parishes, and states recover from presidentially declared disasters, especially in low- and moderate-income areas. HUD publishes allocations and program requirements in notices in the Federal Register. Generally, CDBG requirements apply unless modified by appropriations statute, waived, or supplanted by alternative requirements. CDBG Disaster Recovery Assistance is also subject to requirements of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (Stafford Act).

When major disasters occur, Congress may appropriate additional funding for the CDBG program as Disaster Recovery grants to rebuild the affected areas and bring crucial seed money to stimulate the recovery process. Because CDBG funds a broad range of activities, CDBG Disaster Recovery assistance helps communities and neighborhoods that otherwise might not recover due to limits on other resources. Disaster Recovery grants supplement disaster programs of the Federal Emergency Management Agency (FEMA), the Small Business Administration, and the U.S. Army Corps of Engineers.

Applicant Eligibility: Appropriations language determines applicant eligibility. Historically, recipients have included states and local governments in places that have been designated by the President of the United States as major disaster areas. Some supplemental appropriations may restrict funding solely to states. HUD generally awards noncompetitive, nonrecurring Disaster Recovery grants by a formula that considers disaster recovery needs unmet by other Federal disaster assistance programs.

Legal Authority: Title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301, et seq.). Public Laws: 111-212, 110-329, 110-252, 110-116, 109-234, 109-148, 108-324, 107-206, 107-117, 107-73, 107-38, 106-31, 105-277, 105-276, 105-174, 105-18, 104-134, 104-19, 103-327, 103-211, 103-75, and 103-50. Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5121, et seq.).

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/cpd/communitydevelopment/programs/dri/index.cfm

Current Status: Active.

Community Development Block Grants (Section 107)

Grants and technical assistance for community development programs and related activities.

Nature of Program: Provides grants for community development and related programs as described below, and technical assistance awards to help implement the various programs authorized by Title I of the Housing and Community Development Act of 1974.

Community Development Block Grant Technical Assistance (CDBG TA): States, units of general local government, Indian tribes, area-wide planning organizations, and other qualified groups designated by or assisting one or more such governmental units are eligible for technical assistance, under programs authorized by Title I of the Housing and Community Development Act of 1974

Current Status: Active

Historically Black Colleges and Universities (HBCUs) Program: The HBCU program helps HBCUs to expand their role and effectiveness in addressing community development needs in their own localities, including revitalization, housing, and economic development, principally for persons of low- and moderate-income. HBCUs` that meet the definition determined by the Department of Education in 34 CFR 608.2, in accordance with the Executive Order 13256 dated February 12, 2002, are eligible to participate in the program. All applicants must be accredited or pre-accredited by a national accrediting agency.

Current Status: Active

Hispanic Serving Institutions Assisting Communities (HSIAC) Program: The HSIAC program helps Hispanic Serving Institutions (HSIs) revitalize their local communities and foster long-term changes in the way HSIs relate to their neighbors. The HSIAC program has facilitated numerous partnerships that are successfully addressing the most critical social and economic issues, including poverty, education, housing, healthcare, and local neighborhood capacity building. In addition, the program has assisted colleges and universities in integrating community engagement themes into their curriculum, academic studies, and student activities. HSIs that meet the definition established in Title V of the 1998 Amendment of the Higher Education Act of 1965 are eligible to participate in the program. To meet this definition, at least 25 percent of the full-time undergraduate students enrolled in the institution must be Hispanic. All applicants must be institutions of higher education granting 2-or 4-year degrees that are accredited by a national or regional accrediting agency recognized by the U.S. Department of Education.

Current Status: Active

Alaska Native/Native Hawaiian Institutions Assisting Communities (AN/NHIAC) Program: The Alaska Native/Native Hawaiian Institutions (AN/NHIs) program began in Fiscal Year 2000 and helps AN/NHIs expand their role and effectiveness in addressing community development needs in their localities, including revitalization, housing, and economic development, principally for persons of low- and moderate-income. Accredited ANs and NHIs of higher education that provide 2- and 4-year degrees are eligible to participate in this program. For an institution to qualify as an ANI, at least 20 percent of the undergraduate headcount enrollment must be Alaska Native students. To qualify as a NHI, an institution must have an undergraduate headcount enrollment of at least 10 percent Native Hawaiians.

Current Status: Active

Tribal Colleges and Universities (TCUs) Program: The TCU program assists TCUs in building, expanding, renovating, and equipping their own facilities. The program also expands the role of TCUs into the community through the provision of needed services, such as health programs, job training, and economic development activities. TCUs that meet the definition established in Title III of the 1998 Amendments to the Higher Education Act of 1965 are eligible to participate in the program. Institutions must be fully accredited, or provide a statement that the institution is a candidate for accreditation, by a regional institutional accrediting association recognized by the U.S. Department of Education.

Current Status: Active

Community Outreach Partnership Centers (COPC) Program: The COPC program assists community colleges, colleges, and universities in establishing centers to carry out applied research and outreach activities addressing the problems of urban areas, in coordination with community-based organizations and local governments. The COPC program was not being funded during the FY09 grant cycle and has not been funded since FY05.

Current Status: Inactive

Community Development Work Study (CDWS) Program: The CDWS program assists colleges and universities, either directly or indirectly, or through area-wide planning organizations or states, in providing assistance to work study programs for economically disadvantaged and minority students in fields related to community development. The CDWS program was not funded during the FY09 grant cycle and has not been funded since FY05.

Current Status: Inactive

Funding Distribution: The amount appropriated for the Section 107 grants is allocated among the programs as directed by the appropriations act.

Legal Authority: Section 107 of the Housing and Community Development Act of 1974 (42 U.S.C. 5307). Regulations are at 24 CFR part 570. Administering Offices: For grants to colleges and universities, Assistant Secretary for Policy Development and Research, Office of University Partnerships, U.S. Department of Housing and Urban Development, Washington, DC 20410-6000.

For Community Development Block Grant Technical Assistance, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering offices. On the Web:

Community Development TA: www.hud.gov/offices/CPD/about/cpdta/index.cfm (This website describes the technical assistance for all CPD programs)

Historically Black Colleges and Universities: www.oup.org/programs/aboutHBCU.asp Hispanic Serving Institutions Assisting Communities:

www.oup.org/programs/aboutHSIAC.asp

Alaska Native/Native Hawaiian Institutions Assisting Communities:

www.oup.org/programs/aboutANNHIAC.asp

Tribal Colleges and Universities Program: www.oup.org/programs/aboutTCUP.asp

Community Outreach Partnership Centers: www.oup.org/programs/aboutCOPC.asp Community Development Work Study Program:

www.oup.org/programs/aboutCDWSP.asp

Community Development Block Grants for Insular Areas

Federal funding to help U.S. territories meet their housing and community development needs.

Nature of Program: Provides annual grants to four U.S. territories to carry out a wide range of community development activities directed toward neighborhood revitalization, economic development, and improved community facilities and services.

Insular areas develop their own programs and funding priorities and consult with local residents before making final decisions. All CDBG activities must meet one of the following national objectives: benefit low- and moderate-income persons; aid in the prevention or elimination of slums and blight; or meet certain community development needs having a particular urgency. Some of the activities that can be carried out with community development funds include the acquisition of real property; rehabilitation of residential and nonresidential properties; provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; clearance, demolition and removal of buildings and improvements; homeownership assistance; and assistance to for-profit businesses for economic development activities. No less than 70 percent of the funds expended over a period specified by the grantee, not to exceed 3 years, must be used for activities that benefit low- and moderate-income persons.

Through Fiscal Year 2004, grants to insular areas were appropriated under Section 107 of the Housing and Community Development Act of 1974. The American Dream Downpayment Act of 2003 amended the Housing and Community Development Act to move the authorization for Insular Area CDBG program funding from Section 107 to Section 106. For Fiscal Year 2005 and thereafter, funds have been made available under Section 106.

Grantee Eligibility: American Samoa, Guam, the U.S. Virgin Islands, and the Commonwealth of the Northern Marianas Islands are eligible recipients. (The Commonwealth of Puerto Rico receives funding under the State CDBG program.)

Funding Distribution: Under Section 106 of the Housing and Community Development Act of 1974, $7 million of the Title I CDBG appropriation is allocated for grants to insular areas. Funds for Section 107 grants are allocated to the insular areas and other programs as directed by the present year’s appropriations act.

Legal Authority: Title I, Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.). Regulations are at 24 CFR part 570. Information Sources: Local officials and HUD field offices. On the Web:

www.hud.gov/offices/cpd/communitydevelopment/programs/insular/index.cfm

Current Status: Active.

Community Development Block Grants (Rural Innovation Fund)

Grants to meet rural communities’ housing and economic development needs.

Nature of Program: RIF provides for capacity building at the state and local level for rural housing and economic development, and the program supports innovative housing and economic development activities in rural areas.

Applicant Eligibility: Local rural nonprofit organizations, community development corporations (CDCs), federally recognized Indian tribes, state housing finance agencies (HFAs), and state economic development and/or community development agencies.

Legal Authority: Funds made available under this program are awarded competitively on an annual basis through a selection process conducted by HUD. The Rural Innovation Fund is authorized by the Consolidated Appropriations Act, 2010 (Public Law 111-117).

Administering Office: Office of Rural Housing and Economic Development in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/cpd/economicdevelopment/programs/rhed/index.cfm

Current Status: Active.

The HOME Program: HOME Investment Partnerships

Grants to states and units of general local government to implement local housing strategies designed to increase homeownership and affordable housing opportunities for low- and very low-income Americans.

Nature of Program: Participating jurisdictions may use HOME funds for a variety of housing activities, according to local housing needs. Eligible uses of funds include tenant-based rental assistance; housing rehabilitation; assistance to homebuyers; and new construction of housing. HOME funding may also be used for site acquisition, site improvements, demolition, relocation, and other necessary and reasonable activities related to the development of non-luxury housing. Funds may not be used for public housing development, public housing operating costs, or for Section 8 tenant-based assistance, nor may they be used to provide non-federal matching contributions for other federal programs, for operating subsidies for rental housing, or for activities under the Low-Income Housing Preservation Act.

All housing developed with HOME funds must serve low- and very low-income families. For rental housing, at least 90 percent of the families benefited must have incomes at or below 60 percent of the area median income; the remaining 10 percent of the families benefited must have incomes at or below 80 percent of area median income. Homeownership assistance must be to families with incomes at or below 80 percent of the area median income. Each year, HUD publishes the applicable HOME income limits by area, adjusted for family size.

HOME-assisted rental units must have rents that do not exceed the applicable HOME rent limits. Each year, HUD publishes the applicable HOME rent limits by area, adjusted for bedroom size. For projects with five or more HOME-assisted rental units, 20 percent of the units must be rented to very low-income families.

HOME-assisted homebuyer and rental housing must remain affordable for a long-term affordability period, determined by the amount of per-unit HOME assistance or the nature of the activity. HOME-assisted homebuyer housing is also subject to resale or recapture requirements.

Participating jurisdictions must provide a 25 percent match of their HOME funds. Participating jurisdictions must also set aside at least 15 percent of their allocations for housing to be owned, developed, or sponsored by community housing development organizations.

Applicant Eligibility: States, cities, urban counties, and consortia (contiguous units of local governments with a binding agreement).

Funding Distribution: HOME funds are allocated using a formula designed to reflect relative housing need. Forty percent of the funds are allocated to states, and 60 percent is allocated to units of general local government. States are automatically eligible for HOME funds and receive either their formula allocation or $3 million, whichever is greater. Local jurisdictions eligible for at least $500,000 under the formula ($335,000 in years when Congress appropriates less than $1.5 billion for HOME) also can receive an allocation. Communities that do not qualify for an individual allocation under the formula can join with one or more neighboring localities in a legally binding consortium whose members’ combined allocation would meet the threshold for direct funding. Other localities may participate in HOME by applying for program funds made available by their State. Congress set aside a pool of funding, equivalent to the greater of $750,000 or 0.2 percent of appropriated funds, which HUD distributes among insular areas.

Legal Authority: Title II of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12701 et seq.). Regulations are at 24 CFR part 92.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: HUD local field offices and state and local community development agencies.

On the Web: http://www.hud.gov/offices/cpd/affordablehousing/programs/home/

Current Status: Active.

Housing Trust Fund

Provides funds for the construction, rehabilitation, and preservation of rental homes and for homeownership for extremely low- and very low-income families.

Nature of the Program: The Fund provides funding to developers to preserve, rehabilitate and construct housing, primarily for extremely low-income families. At least 80 percent of the funds must be used for the production, preservation, rehabilitation, or operation of rental housing. Up to 10 percent can be used for the following homeownership activities for first-time homebuyers: production, preservation, and rehabilitation; down payment assistance, closing cost assistance, and assistance for interest rate buy-downs.

At least 75 percent of the funds for rental housing must benefit extremely low income households and 25 percent of the funds must benefit very low-income households.

Applicant Eligibility: Funds are distributed by formula to states, who then may distribute the money according to a state plan to state designated entities or subgrantees for further distribution within a state, or directly to qualified recipients, such as nonprofit and for-profit organizations.

Legal Authority: Section 1338 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (12 U.S.C. 4568)

Administering Office: Assistant Secretary for Community Planning and Development, Department of Housing and Urban Development, Washington DC 20410-8000.

Information Source: Administering office.

Current Status: Authorized, but currently unfunded.

Shelter Plus Care (S+C)

Grants for rental assistance, in combination with supportive services from other sources, to assist hard-to-serve homeless persons with disabilities.

Nature of Program: Provides rental assistance for homeless people with disabilities, primarily those with serious mental illness, chronic problems with alcohol and/or drugs, and acquired immunodeficiency syndrome (AIDS), and related diseases. Rental assistance grants must be matched in the aggregate by supportive services that are equal in value to the amount of rental assistance and appropriate to the needs of the population to be served. Recipients are chosen on a competitive basis nationwide.

Rental assistance is provided through four S+C components: (1) Tenant-based Rental Assistance (TRA) provides rental assistance to homeless persons who choose the housing in which they reside. Residents retain the assistance if they move; and the term for grants is 5 years; (2) Sponsor-based Rental Assistance (SRA) provides rental assistance through contracts between the grant recipient and a private nonprofit sponsor or community mental health agency established as a public nonprofit entity that owns or leases dwelling units in which participants reside. The term for grants is 5 years; (3) Project-based Rental Assistance (PRA) provides rental assistance to the owner of an existing structure where the owner agrees to lease the units to homeless people. Residents do not take the assistance with them if they move. PRA grants are also for 5 years of assistance, but an owner may get 10 years of assistance if the owner rehabilitates the property; and (4) Section 8 Moderate Rehabilitation for Single Room Occupancy (SRO) Dwellings provides grants for rental assistance. Assistance is provided for 10 years.

Applicant Eligibility: States, units of general local government, or public housing agencies.

Legal Authority: Subtitle F of Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11403). Regulations are at 24 CFR part 582.

Note: The Act to Prevent Mortgage Foreclosures and Enhance Mortgage Credit Availability Act was signed into law on May 20, 2009 (Public Law 111-22). Division B of this new law is the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act). The HEARTH Act amends the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11371 et seq.) by consolidating and amending three separate homeless assistance programs (the Supportive Housing program, the Shelter Plus Care program, and the Moderate Rehabilitation/Single Room Occupancy program) carried out under title IV of the McKinney-Vento Act into a single grant program called the Continuum of Care Program. The Shelter Plus Care program will cease to exist upon implementation of the Continuum of Care program.

Administering Office: Office of Special Needs Assistance Programs (SNAPS) in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office and local HUD field offices.

On the Web: www.hud.gov/offices/cpd/homeless/programs/splusc/index.cfm

Current Status: Active.

Emergency Shelter Grants (ESG) Program

Grants to support homelessness prevention, emergency shelter, and related services. Nature of Program: Provides grants by formula to States, metropolitan cities, urban counties and U.S. territories for eligible activities, generally including essential services related to emergency shelter, rehabilitation and conversion of buildings to be used as emergency shelters, operation of emergency shelters, and homelessness prevention services.

Applicant Eligibility: States, District of Columbia, Puerto Rico, metropolitan cities, urban counties, and U.S. territories are eligible. Metropolitan cities and urban counties are eligible if, after applying the formula, their allocation is greater than 0.05 percent of the funds appropriated.

Funding Distribution: After setting aside a small amount for allocation to the territories, HUD allocates the fiscal year appropriation for ESG to eligible recipients in accordance with the percentage of CDBG funding each jurisdiction was allocated for the previous fiscal year. However, where the ESG allocation for a metropolitan city or urban county would be less than .5 percent of the total fiscal year appropriation for ESG, HUD adds that jurisdiction’s allocation to the allocation for the State in which the jurisdiction is located.

Legal Authority: Subtitle B of Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11371-11378). Regulations are at 24 CFR part 576.

Note: The Act to Prevent Mortgage Foreclosures and Enhance Mortgage Credit Availability Act was signed into law on May 20, 2009 (Public Law 111-22). Division B of this new law is the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act). The HEARTH Act amends Subtitle B of Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11371-11378) to rename the program the Emergency Solutions Grants program, expand the range of eligible activities under the program, and add or change certain program requirements. HUD is now in the process of revising the regulations at 24 CFR part 576 to implement these changes and make other refinements to the program.

Administering Office: Office of Special Needs Assistance Programs (SNAPS) in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office and local HUD field offices.

On the Web: www.hud.gov/offices/cpd/homeless/programs/esg/index.cfm

Current Status: Active. Surplus Property for Use to Assist the Homeless (Title V)

Makes suitable federal properties, which are categorized as unutilized, underutilized, excess, or surplus, available to states, local governments, and nonprofit organizations for use to assist homeless persons.

Nature of Program: HUD collects information from federal agencies about their unutilized, underutilized, excess, and surplus properties and determines which are suitable for use to assist homeless persons. The decision is based on information submitted by the agency controlling the property. Every Friday, HUD publishes a Federal Register notice listing the available property. States, local governments, and nonprofit organizations apply to the Department of Health and Human Services (HHS) to obtain the property.

Legal Authority: Title V of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11411-11412). Regulations are at 24 CFR part 581.

Note: The Act to Prevent Mortgage Foreclosures and Enhance Mortgage Credit Availability Act was signed into law on May 20, 2009 (Public Law 111-22). Division B of this new law is the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act), which amends the McKinney-Vento Act definition of homeless used by Title V, but otherwise leaves Title V unchanged. The change in definition will be considered through separate rulemaking in conjunction with the Department of Health and Human Services (HHS) and the General Services Administration (GSA), which administer this program with HUD.

Administering Office: Office of Special Needs Assistance Programs (SNAPS) in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office, local HUD field offices, GSA, and HHS. Further information on a specific property is available from the landholding agency. For the name and contact at these agencies, call the nearest HUD field office or HUD’s toll-free number at (800) 927-7588.

On the Web: www.hud.gov/offices/cpd/homeless/programs/t5/index.cfm

Current Status: Active.

Supportive Housing Program

Grants offered through a competitive process for new construction, acquisition, rehabilitation, or leasing of buildings to provide transitional or permanent housing, as well as supportive services to homeless individuals and families; grants to fund a portion of annual operating costs; and grants for technical assistance.

Nature of Program: The Supportive Housing program is designed to promote the development of supportive housing and supportive services to assist homeless persons in transitioning from homelessness, and to promote the provision of supportive housing to enable homeless persons to live as independently as possible. Grants under the Supportive Housing Program are awarded through a national competition held annually.

Applicant Eligibility: State or local governmental entities, private nonprofit organizations, or community mental health associations that are public nonprofit organizations.

Legal Authority: Subtitle C of Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11381-11389). Regulations are at 24 CFR part 583.

Note: The Act to Prevent Mortgage Foreclosures and Enhance Mortgage Credit Availability Act was signed into law on May 20, 2009 (Public Law 111-22). Division B of this new law is the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act). The HEARTH Act amends the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11371 et seq.) by consolidating and amending three separate homeless assistance programs (the Supportive Housing program, the Shelter Plus Care program, and the Moderate Rehabilitation/Single Room Occupancy program) carried out under title IV of the McKinney-Vento Act into a single grant program called the Continuum of Care Program. The Supportive Housing Program will cease to exist upon implementation of the Continuum of Care program.

Administering Office: Office of Special Needs Assistance Programs (SNAPS) in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office and local HUD field offices.

On the Web: www.hud.gov/offices/cpd/homeless/programs/shp/index.cfm

Current Status: Active.

Continuum of Care Program

Promotes community-wide commitment to the goal of ending homelessness; provides funding for efforts by nonprofit providers and State and local governments to quickly re-house homeless individuals and families to minimize trauma and dislocation; promotes access to and effective utilization of mainstream programs; and optimizes self-sufficiency among individuals and families experiencing homelessness.

Nature of Program: Grants offered through a competitive process for new construction; acquisition, rehabilitation, or leasing of buildings to provide transitional or permanent housing; rental assistance; payment of operating costs; supportive services; re-housing services; payment of administrative costs; and grants for technical assistance.

Applicant Eligibility: Private nonprofit organizations, states, local governments, and instrumentalities of state and local governments are eligible to apply if they have been selected by the Continuum of Care for the geographic area in which they operate.

Legal Authority: Subtitle C of Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11381-11389). Regulations implementing the program are expected to be published at 24 CFR 578.

Note: The Act to Prevent Mortgage Foreclosures and Enhance Mortgage Credit Availability Act was signed into law on May 20, 2009 (Public Law 111-22). Division B of this new law is the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act), which created the Continuum of Care program by combining three current homeless assistance programs.

Administering Office: Office of Special Needs Assistance Programs (SNAPS) in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Source: Administering office and local HUD field offices.

On the Web: www.hud.gov/offices/cpd/homeless/programs/shp/index.cfm

Current Status: Being implemented.

Section 8 Moderate Rehabilitation Single Room Occupancy (SRO) Program

Assists very low-income, single, homeless individuals in obtaining decent, safe, and sanitary housing in privately owned, rehabilitated buildings.

Nature of Program: Under the SRO program, HUD enters into annual contributions contracts (ACCs) with public housing agencies (PHAs) in connection with the moderate rehabilitation of residential properties. These PHAs make Section 8 rental assistance payments to participating landlords on behalf of homeless individuals who rent the rehabilitated dwellings. The rental assistance payments generally cover the difference between a portion (usually 30 percent) of the tenant’s adjusted income and the unit’s rent, which must be within the fair market limit established by HUD.

HUD provides rental assistance for SRO units for a period of 10 years. Owners are compensated for the cost of rehabilitation (as well as the other costs of owning and maintaining the property) through the rental assistance payments. At the same time, each unit must need a minimum of $3,000 of eligible rehabilitation to qualify for the program.

Applicant Eligibility: HUD selects PHAs and private nonprofit organizations for funding on the basis of a national continuum of care competition, in which applicants must demonstrate a need for the assistance and the ability to undertake and carry out the SRO program. In their applications, applicants are required to identify the sponsors of proposed projects, specific structures to be rehabilitated, prospective sources of acquisition and/or rehabilitation financing, and a plan for providing supportive services for the homeless individuals in the units. Generally, very low-income, single, homeless individuals are eligible to occupy the assisted units.

Legal Authority: Section 441 of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11401). Regulations are at 24 CFR part 882, subpart H.

Note: The Act to Prevent Mortgage Foreclosures and Enhance Mortgage Credit Availability Act was signed into law on May 20, 2009 (Public Law 111-22). Division B of this new law is the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act). The HEARTH Act amends the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11371 et seq.) by consolidating and amending three separate homeless assistance programs (the Supportive Housing program, the Shelter Plus Care program, and the Moderate Rehabilitation/Single Room Occupancy program) carried out under title IV of the McKinney-Vento Act into a single grant program called the Continuum of Care Program. The Section 8 Moderate Rehabilitation Program will cease to exist upon implementation of the Continuum of Care program.

Administering Office: Office of Special Needs Assistance Programs (SNAPS) in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office and local HUD field offices.

On the Web: www.hud.gov/offices/cpd/homeless/programs

Current Status: Active.

Rural Housing Stability Assistance Program

Provides re-housing or improves the housing situations of individuals and families who are homeless or in the worst housing situations in the geographic area; stabilizes the housing of individuals and families who are in imminent danger of losing housing; and improves the ability of the lowest-income residents of the community to afford stable housing.

Nature of Program: Competitively awarded grants for rent, mortgage, or utility assistance, security deposits, relocation assistance, short-term emergency lodging, construction of new housing units to provide transitional or permanent housing, acquisition or rehabilitation of a structure to provide non-emergency transitional or permanent housing, property leasing, rental assistance, and payment of operating costs for assisted housing units.

Applicant Eligibility: Organizations eligible to receive a grant under this program include private nonprofit entities and county and local governments.

Legal Authority: Subtitle D of Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11408). Regulations are under development.

Note: The Act to Prevent Mortgage Foreclosures and Enhance Mortgage Credit Availability Act was signed into law on May 20, 2009 (Public Law 111-22). Division B of this new law is the Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH Act), which repealed the Rural Homeless Housing Assistance program, which had never been implemented or funded, and created the Rural Housing Stability Assistance program.

Administering Office: Office of Special Needs Assistance Programs (SNAPS) in the Office of Community Planning and Development, Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office and local HUD field offices.

On the Web: www.hud.gov/offices/cpd/homeless/programs

Current Status: Being implemented.

Brownfields Economic Development Initiative (BEDI)

Competitive grant program designed to assist cities with the redevelopment of abandoned and underused industrial and commercial facilities, where expansion and redevelopment is burdened by real or potential environmental contamination.

Nature of Program: BEDI provides competitive economic development grants to Community Development Block Grant (CDBG) recipients, in connection with notes or other obligations guaranteed under Section 108 of the Housing and Community Development Act of 1974, for the purposes of enhancing either the security of the guaranteed loans or the viability of the projects financed with these Section 108 loans. Grants provide financial assistance for industrial or commercial sites known as brownfields, on which redevelopment is hindered by the presence or potential presence of environmental contamination. BEDI funds may be used for virtually all activities eligible under the CDBG program, and also in conjunction with other CDBG and Section 108 Loan Guarantee proceeds, and must comply with national objectives and other eligibility requirements.

Applicant Eligibility: CDBG entitlement communities and non-entitlement communities are eligible. A request for a new Section 108 loan guarantee authority must accompany each BEDI application. BEDI and Section 108 funds must be used in conjunction with the same economic development project.

Non-entitlement communities, including those in Hawaii, may also apply for and receive grants under the BEDI program. If a non-entitlement community receives a BEDI grant and applies for Section 108 loan guarantee assistance, the applicable state entity (or HUD, in the case of Hawaii) is required to pledge CDBG funds as partial security for the loan guarantee.

Legal Authority: Section 108(q) of the Housing and Community Development Act of 1974 (42 U.S.C. 5308(q)). 24 CFR part 570, Subpart M.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/cpd/economicdevelopment/programs/bedi/index.cfm

Current Status: Active.

Economic Development Initiative (“Competitive EDI”) Grants

Grants to directly enhance the security of Section 108 guaranteed loans or to improve the viability of the same Section 108 assisted project.

Nature of Program: HUD may make economic development grants to Community Development Block Grant (CDBG) recipients, in connection with notes or other obligations guaranteed under Section 108, for the purpose of enhancing either the security of the guaranteed loans or the viability of the projects financed by those loans. EDI enables localities to carry out eligible economic development activities where public and private dollars can be leveraged to create jobs and other benefits, especially for low- and moderate-income persons, and reduce the risk of potential future defaults on Section 108 loan guarantee-assisted projects. Eligible activities for which EDI funds may be used are the same as those under the Section 108 Loan Guarantee program. EDI funds are added to other CDBG funds (including Section 108 Loan Guarantee proceeds) for purposes of determining the grantee’s and the project’s compliance with the CDBG primary and national objectives. The EDI and Section 108 funds must assist the same project.

Applicant Eligibility: CDBG recipients.

Legal Authority: Section 108(q) of the Housing and Community Development Act of 1974 (42 U.S.C. 5308(q)). 24 CFR part 570, subpart M.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/cpd/economicdevelopment/programs/edi/index.cfm

Current Status: Inactive. No new appropriations have been provided for Competitive EDI grants since 2001. EDI grants currently consist of earmarks for funding. Only amendments to previously approved grants are being made.

Empowerment Zones

Tax incentives to locate businesses in, and hire residents of, economically disadvantaged areas.

Nature of Program:

Round I, Round II, and Round III Empowerment Zones (EZs)

Empowerment Zones (EZs) are designated areas of high poverty and unemployment that benefit from tax incentives provided to businesses in the boundaries of the EZ. Businesses operating in EZs qualify for a variety of tax incentives including a tax credit of up to $3,000 per year for each of its employees who resides in the EZ, a Work Opportunity Tax Credit for hiring 18-39 year-old residents of the EZ, a deduction of $35,000 for the cost of eligible equipment purchases under section 179 of the Internal Revenue Code of 1986, and tax exempt private purpose ―EZ Facility bonds‖ for commercial development. The Empowerment Zone designations were extended through December 31, 2011 by the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010.

The first EZs were authorized by the Omnibus Budget Reconciliation Act of 1993 (OBRA 1993) which allowed for the designation of nine empowerment zones (Round I EZs) and 95 enterprise communities (ECs) (65 urban and 30 rural). The Taxpayer Relief Act of 1997 (1997 Act) authorized the designation of two additional Round I urban EZs. The 1997 Act also authorized the designation of 20 additional EZs (Round II EZs) (15 urban and five rural). The Consolidated Appropriations Act, 2001, conformed and enhanced the tax incentives contained in the earlier laws for the Round I and Round II EZs and also authorized the Secretaries of HUD and Agriculture to designate nine new EZs (Round III EZs) (seven urban and two rural). Businesses in the Round I, Round II, and Round III EZs are eligible for tax incentives.

EZs and ECs were competitively selected based on the quality of a comprehensive, bottom-up strategic plan which included input from all community stakeholders and described the community’s vision for economic revitalization and job creation. Four key principles defined the strategic plan: 1) a vision for change that identified what the community would look like in the future and how it would achieve its goals, 2) a description of community-based partnerships that would encourage all stakeholders to participate in achieving economic revitalization, 3) expanded economic opportunity through increased access to capital and credit for businesses and assistance with job training and placement for residents, and 4) sustainable community development that ensures economic, physical, and environmental factors are aligned as the community is revitalized. Written assurances were required that the strategic plans would be implemented.

Additionally, the areas nominated to be considered for designation had to meet specified criteria to establish their relative need with respect to poverty, unemployment, and general economic distress.

Applicant Eligibility: States and local governments.

Legal Authority: Sections 13301-13303 of the Omnibus Budget Reconciliation Act of 1993 (Public Law 103-66); Sections 951-956 of the Taxpayer Relief Act of 1997 (Public Law 105-34); and Sections 111-117 of the Community Renewal Tax Relief Act of 2000, as included in the Consolidated Appropriations Act, 2001 (Public Law 106-554); Sections 753-754 of the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 (Public Law No: 111-312). Regulations are at 24 CFR parts 597, 598, and 599.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office.

On the Web: www.hud.gov/cr

Current Status: The tax incentives for all of the Empowerment Zones (Rounds I, II, and III) were recently extended through December 31, 2011 by the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. No recent funding has been provided for Round I EZs and ECs. Round II EZ funding expired on September 30, 2010. No funds have been appropriated to date for the Round III EZs, authorized by the Consolidated Appropriations Act, 2001. Designations for the Round I ECs expired in December 2004.

Self-Help Homeownership Opportunity Program (SHOP)

Grants for self-help housing.

Nature of Program: SHOP authorizes HUD to make competitive grants to national and regional nonprofit organizations and consortia that have experience in providing or facilitating self-help housing opportunities. Grants are to be used by the grantee or its affiliates for eligible expenses in connection with developing non-luxury housing for low-income families and persons who otherwise would be unable to purchase a house. Eligible expenses for grants are limited to land acquisition (including financing and closing costs), infrastructure improvements (installing, extending, constructing, rehabilitating, or otherwise improving utilities and other infrastructure), and administrative costs (up to 20 percent of the grant amount). Homebuyers must contribute a significant amount of sweat equity toward the construction of their homes. SHOP also requires community participation through volunteers who assist the homebuyers on the construction of the homes. Assisted units must be decent, safe, and sanity non-luxury dwellings that comply with local building and safety codes and standards. These units must be sold to eligible low-income homebuyers at prices below the prevailing market price.

Applicant Eligibility: National and regional nonprofit organizations and consortia.

Legal Authority: Section 11 of the Housing Opportunity Program Extension Act of 1996 (42 U.S.C. 12805 note).

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/cpd/affordablehousing/programs/shop/index.cfm

Current Status: Active.

Capacity Building for Community Development and Affordable Housing

Grants to national intermediaries to develop the capacity and ability of community development corporations (CDCs) and community housing development organizations (CHDOs) to carry out community development and affordable housing activities that benefit low income families.

Nature of Program: Section 4 of the HUD Demonstration Act of 1993 authorizes HUD to provide assistance through competitive grants to five national nonprofit intermediary groups. These groups provide direct operational support, loans, grants, and predevelopment assistance to subgrantee CDCs and CHDOs or provide training and education to develop the capacity and ability of CDCs or CHDOs to undertake community development and affordable housing projects and programs. The grantees concentrate on neighborhood based nonprofit CDCs and CHDOs that have as part of their mission the holistic improvement of the neighborhood for the benefit of low income families. Private sources must provide a match three times the amount of any assistance provided under this section.

Applicant Eligibility: Living Cities/The National Community Development Initiative, Local Initiatives Support Corporation (LISC), Enterprise Community Partners, Inc., Habitat for Humanity International, and YouthBuild USA.

Legal Authority: Section 4 of the HUD Demonstration Act of 1993 (Public Law 103-120, as amended by Section 10004 of Public Law 105-118) (42 U.S.C. 9816 note).

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/cpd/about/capacitybuilding.cfm

Current Status: Active.

Housing Opportunities for Persons With AIDS (HOPWA)

Provides formula allocations and competitively awarded grants to eligible states, cities, and nonprofit organizations to provide housing assistance and related supportive services to meet the housing needs of low-income persons and their families living with HIV/AIDS. These resources help clients maintain housing stability, avoid homelessness, and improve access to HIV/AIDS treatment and related care while placing a greater emphasis on permanent supportive housing.

Nature of Program: The HOPWA program was established by the AIDS Housing Opportunity Act and remains the only federal housing program solely dedicated to providing rental housing assistance for persons and their families living with HIV/AIDS. The program provides states and localities with resources and incentives to devise long-term comprehensive strategies for meeting the housing needs of low-income persons living with HIV/AIDS. HOPWA housing support enables these special-needs households to establish or maintain stable housing, reduce their risks of homelessness, and improve their access to healthcare and other support. Housing assistance provides the foundation from which these individuals and their families may participate in advances in HIV treatment and related care.

Although a large majority of HOPWA grant funding (90 percent) is allocated by formula based on the number of cases and highest incidence of AIDS, approximately 10 percent is awarded for the renewal of permanent supportive housing projects, demonstration projects for Special Projects of National Significance, and for non-formula areas. Applicants for formula awards are the eligible states and the most populous city in each eligible Metropolitan Statistical Area that qualifies and follows HUD’s Consolidated Planning process. Eligible competitive grant applicants include states, units of general local government, and nonprofit organizations. HUD gives priority to the renewal of competitive projects that have provided permanent supportive housing for this special needs population. In addition, competitive grant funding is also available to provide additional funding for training, oversight, and technical assistance activities.

Grants may be used to provide a variety of forms of rental housing assistance, including emergency and transitional housing, shared housing arrangements, community residences, and single room occupancy dwellings (SROs). Appropriate supportive services are provided as part of any assisted housing. Eligible grant activities include housing information, resource identification, and permanent housing placement; acquisition, rehabilitation, conversion, lease, and repair of facilities to provide short-term shelter and services; new construction (for SROs and community residences only); project- or tenant-based rental assistance, including assistance for shared housing arrangements; short-term rent, mortgage, and utility payments; operating costs; technical assistance for community residences; administrative expenses; and supportive services, including case management.

Eligible persons receiving HOPWA rental assistance or residing in rental housing assisted under this program must pay as rent, including utilities, the highest of 30 percent of the family’s monthly adjusted income, 10 percent of the family’s monthly income, or the applicable portion of the family’s welfare payment that is designated for housing costs.

Applicant Eligibility: States, units of local governments, and nonprofit organizations.

Legal Authority: The AIDS Housing Opportunity Act, Subtitle D of Title VIII of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12901 et seq.). Regulations are at 24 CFR part 574.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/cpd/aidshousing/programs/index.cfm

Current Status: Active.

Loan Guarantee Recovery Fund for Church Arson and Other Acts of Terrorism (Section 4)

Guarantees for loans to certain nonprofit organizations damaged by arson or terrorism.

Nature of Program: Section 4 of the Church Arson Prevention Act of 1996 establishes the Loan Guarantee Recovery Fund under which HUD guarantees loans made by financial institutions to assist certain nonprofit organizations (those described in Section 501(c)(3) of the Internal Revenue Code of 1986) that have been damaged as a result of arson or terrorism.

Guaranteed loan funds may be used for activities necessary to address damage caused by acts of arson or terrorism.

For the cost of loan guarantees under Section 4, the Secretary was authorized to use up to $5 million of the amounts made available for Fiscal Year 1996 for the credit subsidy provided under the General Insurance Fund and the Special Risk Insurance Fund. Funds are available to subsidize total loan principal, any part of which is to be guaranteed, not to exceed $10 million.

Applicant Eligibility: Certain nonprofit organizations described in Section 501(c)(3) of the Internal Revenue Code of 1986.

Legal Authority: Section 4 of the Church Arson Prevention Act of 1996 (Public Law 104-155). Regulations are at 24 CFR part 573.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Information Source: Administering office.

Current Status: No credit subsidy has been made available for this program since Fiscal Year 1996; however, funds are still available from the 1996 subsidy for new applicants.

Federal Housing Administration (FHA)

Single Family Housing Programs

One- to Four-Family Home Mortgage Insurance (Section 203(b))

Federal mortgage insurance to finance homeownership and the construction and financing of housing.

Nature of Program: Homebuyers may obtain FHA-insured mortgages from HUD-approved lenders to purchase homes (including condominium units) with low downpayments. By insuring commercial lenders against loss, HUD encourages them to invest capital in the home mortgage market. HUD insures loans made by private financial institutions a portion of the sales price with terms for up to 30 years. The loan may finance homes in both urban and rural areas. The maximum mortgage amounts are at least $271,050 in all areas, with higher limits in areas with higher median house prices up to a maximum of $729,750 for one-unit homes through September 30, 2011. Higher limits also exist for two- to four-family properties. The loan limits change annually, based on home price estimates. The limits are benchmarked to the loan limits of the Government-Sponsored Enterprises, Fannie Mae and Freddie Mac. The mortgagee collects from the borrower an up-front mortgage insurance premium payment, which may be financed, at the time of loan closing, as well as annual premiums that are not financed, but included in the regular mortgage payment.

Applicant Eligibility: Any person able to meet the cash investment, mortgage payment, and credit requirements. The program is generally limited to owner-occupants.

Legal Authority: Section 203(b) of the National Housing Act (12 U.S.C. 1709(b)). Condominium units were authorized for FHA insurance by the Housing and Economic Recovery Act of 2008 (HERA) (Public Law 110-289). Regulations are at 24 CFR part 203, subpart A.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/ins/203b--df.cfm

To locate a HUD-approved lender on the Web: www.hud.gov/ll/code/llslcrit.html

Condominium program website: www.hud.gov/offices/hsg/sfh/condo/index.cfm

Current Status: Active.

Mortgage Insurance for Disaster Victims (Section 203(h))

Federal mortgage insurance for victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.

Nature of Program: This program helps victims in presidentially designated disaster areas recover by making it easier for them to obtain mortgage loans and become homeowners or reestablish themselves as homeowners. The program provides mortgage insurance to protect lenders against the risk of default on loans to qualified disaster victims. Individuals are eligible for this program if their homes are located in an area that was designated by the President as a disaster area and were destroyed or damaged to such an extent that reconstruction or replacement is necessary. Insured loans may be used to finance the purchase or reconstruction of a one-family home that will be the principal residence of the homeowner. This program resembles the Section 203(b) program (Mortgage Insurance for One- to Four-Family Homes), FHA’s basic mortgage insurance program.

Section 203(h) offers features that make homeownership easier. For example, no downpayment is required. The borrower is eligible for 100 percent financing. Closing costs and prepaid expenses must be paid by the borrower in cash or paid through premium pricing by the seller, subject to a limitation on seller concessions. Mortgagees collect from the borrowers an up-front insurance premium (which may be financed) at the time of purchase, as well as monthly premiums that are not financed, but instead are added to the regular mortgage payment.

Applicant Eligibility: Any person whose home has been destroyed or severely damaged in a presidentially declared disaster area is eligible to apply for mortgage insurance under this program, even if they were renting the property. The borrower’s application for mortgage insurance must be submitted to an FHA-approved lending institution within one year of the President’s declaration of the disaster.

Legal Authority: Section 203(h) of the National Housing Act (12 U.S.C. 1709(h)). Regulations are at 24 CFR part 203.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/ins/203h-dft.cfm

Current Status: Active.

Rehabilitation Loan Insurance (Section 203(k))

Insures loans to finance the rehabilitation or purchase and rehabilitation of one- to four-family properties.

Nature of Program: HUD insures rehabilitation loans up to approximately 96.5 percent of the lesser of appraised value before rehabilitation plus rehabilitation costs or 110 percent of appraised value after rehabilitation. A loan can be used to (1) finance rehabilitation of an existing property; (2) finance rehabilitation and refinancing of the outstanding indebtedness of a property; and (3) finance purchase and rehabilitation of a property. An eligible rehabilitation loan must involve a principal obligation not exceeding the amount allowed under Section 203(b) home mortgage insurance.

Applicant Eligibility: Any person able to make the cash investment and the mortgage payments.

Legal Authority: Section 203(k) of the National Housing Act (12 U.S.C. 1709(k)). Regulations are in 24 CFR 203.50.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/203k/203k--df.cfm

Current Status: Active.

Single Family Property Disposition Program (Section 204(g))

Disposes of one- to four-family FHA properties in a manner targeted to expanding homeownership opportunities.

Nature of Program: The purpose of this program is to dispose of properties acquired by the Federal Housing Administration (FHA) through foreclosure of an insured or Secretary-held mortgage or loan under the National Housing Act. Single family foreclosed properties contain one to four units. Listings of properties in inventory are available on the Internet. Individual parties may submit an offer through the Internet, using a real estate broker licensed with HUD. Nonprofit and government entities may purchase properties at a discount through a lottery system without a real estate broker.

Applicant Eligibility: Individual bidders are eligible if they can finance their home purchase and provide an earnest money deposit with their bids. Nonprofit and government entities have special eligibility requirements, as detailed on HUD’s website.

Legal Authority: Section 204(g) of the National Housing Act (12 U.S.C. 1710(g)). Regulations are at 24 CFR part 291.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD Homeownership Centers (Atlanta, Philadelphia, Denver, Santa Ana).

On the Web: www.hud.gov/offices/hsg/sfh/reo/reohome.cfm

Current Status: Active.

Loss Mitigation

Prescribed set of default workout options that allow lenders to effectively work with delinquent FHA borrowers to find solutions to avoid foreclosure. Nature of Program: FHA Loss Mitigation delegates to mortgagees both the authority and the responsibility to utilize certain actions and strategies to assist borrowers in default or imminent default retain their homes, and/or reduce losses to the insurance fund that result from mortgage foreclosures. Mortgagees may utilize any of several loss mitigation options that lead to home retention, including: FHA-HAMP, long-term special forbearance, mortgage modification, and partial claim (an option exclusive to HUD wherein the Department makes a no-interest loan to the borrower in an amount sufficient to reinstate the mortgage). If the borrower is unable or unwilling to support the mortgage debt, servicers must consider use of other loss mitigation tools, including a pre-foreclosure sale or a deed in lieu of foreclosure, before initiating legal action to foreclose the mortgage.

HUD encourages mortgagees to utilize loss mitigation by reimbursing administrative costs (title reports, recording fees) involved in these actions and by paying financial incentives. Though mortgagees have flexibility in selecting the loss mitigation strategy appropriate for each borrower, participation in the loss mitigation program is not optional. Prior to initiation of foreclosure, mortgagees are required to evaluate all defaulted borrowers for loss mitigation options eligibility, quickly activate appropriate loss mitigation options, provide housing counseling availability information, consider all reasonable means to assist the borrower in addressing the delinquency, and retain written documentation of compliance with loss mitigation requirements. Failure to comply may result in the loss of incentive compensation, interest curtailment, and other financial and administrative sanctions, including withdrawal of HUD’s approval of a mortgagee.

Mortgagor Eligibility: Any FHA-insured borrower who is in default for at least 90 days (120 days for partial claim) and who occupies the mortgaged property as a primary residence may be eligible for home retention loss mitigation. FHA-HAMP, pre-foreclosure sale and deed-in-lieu options are available immediately upon default, if the cause of the default is incurable.

Legal Authority: Sections 204(a) and 230 of the National Housing Act. Regulations are at 24 CFR part 203.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: HUD’s National Servicing Center.

On the Web: www.hud.gov/foreclosure/index.cfm

Current Status: Active.

FHA-Home Affordable Modification Program (FHA-HAMP)

Allows homeowners to modify their FHA-insured mortgages to reduce monthly mortgage payments and avoid foreclosure.

Nature of Program: FHA-HAMP allows the use of a partial claim up to 30 percent of the unpaid principal balance as of the date of default combined with a loan modification.

To confirm if the mortgagor is capable of making the new FHA-HAMP payment, the mortgagor must successfully complete a trial payment plan. The trial payment plan shall be for a three month period and the mortgagor must make each scheduled payment on time. The mortgagor’s monthlypayment required during the trial payment plan must be the amount of the future modified mortgage payment. The Mortgagee must service the mortgage during the trial period in the same manner as it would service a mortgage in forbearance. If the mortgagor does not successfully complete the trial payment plan by making the three payments on time, the mortgagor is no longer eligible for FHA-HAMP.

Applicant Eligibility: Mortgagors with FHA-insured mortgages that do not qualify for other loss mitigation programs and with adequate debt-to-income ratios. Homeowners must successfully complete a trial payment plan before becoming a full participant in the program.

Legal Authority: Section 230(b) of the National Housing Act (12 U.S.C. 1715u(b)), as amended by the Helping Families Save Their Homes Act of 2009, Division A of Public Law 111-22.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Source: Administering Office.

Current Status: Active.

Graduated Payment Mortgage (GPM) (Section 245(a))

Enables a household with a limited income that is expected to rise to buy a home sooner by making mortgage payments that start small and increase gradually over time.

Nature of Program: The program targets early homeownership by helping first-time homebuyers and others with limited incomes, particularly young families who expect their income to rise, but may not yet be able to handle all of the upfront and monthly costs involved in buying and owning a home.

The Graduated Payment Mortgage (GPM) works in times of high interest rates when first-time homebuyers cannot meet the standard mortgage payment, but expect their incomes to increase substantially in the next 5 to 10 years. The GPM accrues negative amortization so that the borrower’s initial mortgage payments are made at a nominally discounted interest rate from the standard prevailing rate. The difference is then added to the principal balance. The GPM program offers five different plans varying in length of time and rate of increase of nominal interest rate. It is anticipated that when the interest rate, and thus the mortgage payment, increases with time the borrower’s income also will have increased to accommodate the higher payments. Larger than usual downpayments are required to prevent the total amount of the loan from exceeding the statutory loan-to-value ratios. Downpayments required for GPMs vary in proportion to interest rates on the loans. In all other ways, the GPM is subject to the rules governing ordinary HUD-insured home loans.

Applicant Eligibility: All FHA-approved lenders may make GPMs available to persons who intend to use the mortgage property as their primary residence and who expect to see their income rise appreciably in the future.

Legal Authority: Section 245(a) of the National Housing Act (12 U.S.C. 1715z-10(a)). Regulations are at 24 CFR 203.45.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/ins/245a--df.cfm

Current Status: Active.

Adjustable Rate Mortgages (ARMs) (Section 251)

Federal mortgage insurance for adjustable rate mortgages (ARMs).

Nature of Program: Under this HUD-insured mortgage, the interest rate and monthly payment may change during the life of the loan. The initial interest rate, discount points, and the margin are negotiated by the buyer and lender.

The one-year Treasury Constant Maturities Index is used for determining the interest rate changes. FHA lenders may offer ARMs that have interest rates that are fixed for the first one, 3, 5, 7, or 10 years of the mortgage. The interest rate for one-year and 3-year insured ARMs may not be increased or decreased by more than one percentage point per year after the fixed-payment period is over, with a maximum change of 5 percentage points over the life of the loan. For 5-year, 7-year, and 10-year ARMs, the interest rate may change a maximum of 2 percentage points annually and 6 percentage points over the life of the loan.

Lenders are required to disclose to borrowers the nature of the ARM loan at the time of loan application. In addition, borrowers must be informed at least 25 days in advance of any adjustment to the monthly payment.

Applicant Eligibility: All FHA-approved lenders may make adjustable rate mortgages; creditworthy applicants who will be owner-occupants may qualify for such loans.

Legal Authority: Section 251 of the National Housing Act (12 U.S.C. 1715z-16). Regulations are at 24 CFR 203.49.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/ins/251--df.cfm

Current Status: Active.

Home Equity Conversion Mortgage (HECM) Program (Section 255)

The Federal Housing Administration (FHA) mortgage insurance allows borrowers, who are at least 62 years of age, to convert the equity in their homes into a monthly stream of income or a line of credit.

Nature of Program: Reverse mortgages can provide a valuable financing alternative for qualified homeowners. Any lender authorized to make HUD-insured loans may originate reverse mortgages.

Borrowers may choose from among five payment options: (1) tenure, by which the borrower receives monthly payments from the lender for as long as the borrower lives and continues to occupy the home as a principal residence; (2) term, by which the borrower receives monthly payments for a fixed period selected by the borrower; (3) line of credit, by which the borrower can make withdrawals up to a maximum amount, at times and in amounts of the borrower’s choosing; (4) modified tenure, by which the tenure option is combined with a line of credit; and (5) modified term, by which the term option is combined with a line of credit.

The borrower retains ownership of the property and may sell the home and move at any time, keeping the sales proceeds in excess of the mortgage balance. The borrower cannot be forced to sell the home to pay off the mortgage, even if the mortgage balance grows to exceed the value of the property. An FHA-insured reverse mortgage need not be repaid until the borrower moves, sells, or dies. When the loan is due and payable, if the loan exceeds the value of the property, the borrower (or the heirs) will owe no more than the value of the property.

Applicant Eligibility: All borrowers must be at least 62 years of age and occupy the property as a principal residence. Any existing lien on the property must be small enough to be paid off at settlement of the reverse mortgage.

Legal Authority: Section 255 of the National Housing Act (12 U.S.C. 1715z-20). Regulations are at 24 CFR parts 200 and 206.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/hecm/hecmabou.cfm

Current Status: Active.

Manufactured Homes Loan Insurance (Title I)

Federal insurance of loans to finance the purchase of manufactured homes.

Nature of Program: HUD insures loans to finance the purchase of manufactured homes or lots. The loans are made by private lending institutions. The maximum loan amount is $69,678 for a manufactured home, $92,904 for a manufactured home and a suitably developed lot, and $23,226 for a developed lot. The maximum limits for combination home and lot loans may be increased up to 85 percent in designated high-cost areas. The maximum loan term varies from 15 to 25 years, depending on the type of loan. Most manufactured home loans are financed through purchases by lenders of retail installment contracts between homebuyers and manufactured home dealers.

Applicant Eligibility: Any person able to make the cash investment and the loan payments; however, the home must be the principal residence of the borrower.

Legal Authority: Section 2 of Title I of the National Housing Act (12 U.S.C. 1703). Regulations are at 24 CFR part 201.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office.

On the Web: http://www.hud.gov/offices/hsg/sfh/title/manuf14.cfm

Current Status: Active.

Property Improvement Loan Insurance (Title I)

Federal insurance of loans to finance property improvements.

Nature of Program: HUD insures loans to finance improvements, alterations, and repairs of individual homes, apartment buildings, and nonresidential structures, as well as new construction of nonresidential buildings. Loans on single family homes (except manufactured homes) and nonresidential structures may be for up to $25,000 and may extend to 20 years. Loans on apartment buildings may be as high as $12,000 per unit, but the total for the building cannot exceed $60,000, and the loan term cannot exceed 20 years. A loan on a manufactured home that is classified as real property may be for up to $17,500 with a maximum loan term of 15 years. Loans on other manufactured homes are limited to $7,500 and a maximum term of 12 years. A property improvement loan may be a loan from the lender to the borrower or a retail sales installment contract (purchased by a lender) between the borrower and the contractor or dealer providing the materials or services.

Loans over $7,500 must be secured by a recorded mortgage or deed of trust on the improved property.

Applicant Eligibility: Any person who is able to make loan payments and has at least a 50 percent ownership in the property to be improved.

Legal Authority: Section 2 of Title I of the National Housing Act (12 U.S.C. 1703). Regulations are at 24 CFR part 201.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/hsg/sfh/title/title-i.cfm

Current Status: Active.

Counseling for Homebuyers, Homeowners, and Tenants (Section 106)

Housing counseling for homebuyers, homeowners, and tenants.

Nature of Program: HUD is authorized to counsel current and prospective homebuyers, homeowners, and tenants. HUD provides the service through approximately 1,700 HUD-approved counseling agencies. These agencies are public and private nonprofit organizations with housing counseling skills and knowledge of HUD, VA, and conventional housing programs. HUD awards housing counseling grants on a competitive basis to its approved agencies when Congress appropriates funds for this purpose. The funding helps the approved agencies partially meet their operating expenses.

Counseling consists of information on the purchase and rental of housing, money management, budgeting, credit counseling, prevention of mortgage default and rent delinquencies that lead to foreclosure or eviction, home maintenance, fair housing laws, and requirements and guidance regarding the Home Equity Conversion Mortgage application. The objective of the counseling is to help homebuyers, homeowners, and tenants to improve their housing conditions and to meet their responsibilities.

Applicant Eligibility: Homeless individuals and families, potential renters, renters, potential homebuyers, homebuyers, and homeowners may seek the assistance of a HUD-approved housing counseling agency to meet a housing need or resolve a housing problem.

Legal Authority: Section 106 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x).

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices. To locate a HUD-approved housing counselor in a specific area, call (800) 569-4287 or go online to

http://portal.hud.gov/portal/page/portal/HUD/i_want_to/talk_to_a_housing_counselor.

On the Web: www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm

Current Status: Active.

Good Neighbor Next Door

Provides law enforcement officers, teachers, firefighters, and emergency medical technicians with the opportunity to purchase homes located in revitalization areas at significant discount.

Nature of Program: The Department wants to make American communities stronger and build a safer nation. The Good Neighbor Next Door program promotes these goals by encouraging persons whose daily professional responsibilities represent a nexus to the needs of the community to purchase and live in homes in these communities. This program makes homes in revitalization areas available to law enforcement officers, teachers, firefighters, and emergency medical technicians. Each year, HUD sells a limited number of properties from its inventory at a 50 percent discount from the list price to eligible persons in the above professions. To make these homes even more affordable, eligible program participants may apply for an FHA-insured mortgage with a downpayment of only $100. Because homes sold through this program are located in revitalization areas, there may be additional assistance from state or local government sources. If the home needs repairs, the purchaser may also use FHA’s Section 203(k) mortgage program. The Section 203(k) program provides financing for both the purchase of the home and cost of needed repairs.

Applicant Eligibility: Purchasers must be employed as a full-time law enforcement officer, teacher, firefighter, or emergency medical technician, and must certify that they intend to continue such employment for at least one year following the date of closing. The eligible purchaser does not need to be a first-time homebuyer. However, the purchaser (or spouse) cannot have owned another home for one year prior to the time a bid for purchase is submitted, and the purchaser must agree to live in the HUD home as the principal residence for 3 years after move-in.

Legal Authority: Section 204(g) of the National Housing Act (12 U.S.C. 1710(g)). Regulations are at 24 CFR part 291, subpart F.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD Homeownership Centers (Atlanta, Philadelphia, Denver, Santa Ana).

On the Web: www.hud.gov/offices/hsg/sfh/reo/reohome.cfm

Current Status: Active.

Energy Efficient Mortgage Insurance

Federal mortgage insurance to finance the cost of energy efficiency measures.

Nature of Program: FHA's Energy Efficient Mortgage program (EEM) helps homebuyers or homeowners save money on utility bills by enabling them to finance the cost of adding energy efficiency features to new or existing housing as part of their FHA insured home purchase or refinancing mortgage.

An FHA mortgage may exceed the normal maximum loan limits by the cost of energy efficient improvements, providing those improvements were verified to be cost-effective, meaning that the total cost of the improvements is less than the total present value of the energy saved over the useful life of the energy improvement. The borrower may be qualified for the loan without the additional loan funds used for energy upgrades, but must make a 3.5 percent cash investment in the property based on the lesser of sales price or appraised value.

The cost of the energy improvements and estimate of the energy savings must be determined by a home energy rating, which may be financed as part of the cost-effective energy package. Energy improvements to an existing home may be installed within a limited time period after the insured loan has closed, depending on the program under which the mortgage is insured. Energy improvements to a newly constructed home must be installed prior to closing. The maximum mortgage amount for a single-family unit depends on its location and is adjusted annually.

Applicant Eligibility: One- to four-unit existing and new properties are eligible.

Legal Authority: Section 513 of the Housing and Community Development Act of 1992 (Public Law 102-550) (42 U.S.C. 12712 note). Regulations are at 24 CFR 203.18(i).

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/eem/energy-r.cfm FHA Mortgagee Letters 93–13 (Single Family Loan Production—Energy Efficient Mortgage Pilot Program), 95–46 (Single Family Loan Production—Expansion of the Energy-Efficient Mortgage Program), and HUD Handbook 4155.1, Rev. 5, Chg. 1.

Current Status: Active

Insured Mortgages on Hawaiian Home Lands (Section 247)

FHA insures loans made to native Hawaiians to purchase one- to four-family dwellings located on Hawaiian home lands. Regulations pertaining to these loans are fundamentally the same as regular Section 203(b) loans except that they are only available to Native Hawaiians on Hawaiian home lands.

Nature of Program: FHA’s mortgage insurance provides opportunities to low- and moderate-income Native Hawaiians to purchase a home on Hawaiian home lands. Because a mortgage is taken on a homestead lease granted by the Department of Hawaiian Homelands, many lenders have been reluctant to finance housing. With FHA insurance, the lender’s risk is minimized, and this program increases the availability of mortgage credit to Native Hawaiians to live on Hawaiian home lands. FHA’s low downpayment requirements and flexible underwriting standards increase the ability of Native Hawaiians to meet the requirements for the loan. A ―Native Hawaiian‖ means any descendant of not less than one-half part of the blood of the races inhabiting the Hawaiian Islands before January 1, 1778 (or, in the case of an individual who succeeds a spouse or parent in an interest in a lease of Hawaiian home lands, such lower percentage as may be established for such succession under Section 209 of the Hawaiian Homes Commission Act, 1920, or under the corresponding provision of the constitution of the State of Hawaii adopted under Section 4 of the Act entitled, ―An Act to provide for the admission of the State of Hawaii into the Union,‖ approved March 18, 1959).

Applicant Eligibility: Any Native Hawaiian wishing to live on Hawaiian home land and intending to use the mortgaged property as their primary residence are eligible to apply for mortgage insurance.

Legal Authority: Section 247 of the National Housing Act (12 U.S.C. 1715z-12). Regulations are at 24 CFR 203.43i.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

Current Status: Active.

Insured Mortgages on Indian Land (Section 248)

FHA insures loans made to Native Americans to buy, build, or rehabilitate houses on Indian land. These loans are fundamentally the same as regular Section 203(b) loans except that they are only available to Native Americans on Indian land.

Nature of Program: Native Americans are the most poorly housed sector of the American population. FHA’s mortgage insurance provides opportunities for low- and moderate-income Native Americans to purchase a home in their communities on Indian land. Because of the complex title issues on Indian land, many lenders have been reluctant to finance housing. With FHA insurance, the lender’s risk is minimized, and this program increases the availability of mortgage credit to Native Americans living on Indian land. FHA’s low downpayment requirements and flexible underwriting standards increase the ability of Native Americans to meet the requirements for the loan.

Applicant Eligibility: Any Native Americans wishing to live on Indian land and intending to use the mortgage property as the primary residence is eligible to apply for mortgage insurance.

Legal Authority: Section 248 of the National Housing Act (12 U.S.C. 1715z-13). Regulations are at 24 CFR 203.43h.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/sfh/ins/sfh248.cfm

Current Status: Active.

Risk Management and Regulatory Affairs

Manufactured Home Construction and Safety Standards

Mandates federal standards for design, construction, and installation of manufactured homes to assure the quality, durability, safety, and affordability of manufactured homes. The program also includes a dispute resolution component.

Nature of Program: HUD issues and enforces appropriate standards for the construction, design, performance, and installation of manufactured homes to assure their quality, durability, affordability, and safety. The construction and safety standards preempt state and local laws that are not identical to the federal standards; they apply to all manufactured homes produced after June 15, 1976. HUD may enforce these standards directly or by various states that have established state administrative agencies in order to participate in the program. HUD may inspect factories and retailer lots and review records to enforce such standards. If a manufactured home does not conform to federal standards, the manufacturer must take certain actions, including possibly notifying the consumer and correcting the problem.

The statute generally prohibits selling, leasing, or offering for sale or lease homes that do not meet the standards. Civil and criminal penalties may be sought for violations of the statute.

HUD also administers programs regulating the installation of the homes, reviewing the installation standard programs that 35 states have, and administering a federal installation program in the other 15 states. HUD also reviews the administration of state dispute resolution programs in 35 states and administers a HUD dispute resolution program in the other 15 states.

Applicant Eligibility: The standards do not involve program participation, but they apply to all manufactured home producers and retailers that use any means of transportation or communication that affects interstate commerce in their operations.

Legal Authority: National Manufactured Housing Construction and Safety Standards Act of 1974 (42 U.S.C. 5401-5426). Regulations are at 24 CFR parts 3280, 3282, 3284, 3285, 3286, 3288, and 3800.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/hsg/sfh/mhs/mhshome.cfm

Current Status: Active.

Multifamily Housing Programs

Supportive Housing for the Elderly (Section 202)

Provides assistance to expand the supply of housing with supportive services for the elderly.

Nature of Program: Capital advances are made to eligible private, nonprofit sponsors and, in cases of mixed-finance, for-profit limited partnerships where the sole general partner is (i) a nonprofit organization or (ii) a for-profit corporation wholly owned and controlled by one or more nonprofit organizations; or (iii) a limited liability company wholly owned and controlled by one or more nonprofit organizations to finance the development of rental housing with supportive services for the elderly. The advance is interest free and does not have to be repaid so long as the housing remains available for very low-income elderly persons for at least 40 years. Project rental assistance covers the difference between the HUD-approved operating cost of the project and the tenants’ contributions toward rent.

Applicant Eligibility: Private, nonprofit organizations and consumer cooperatives may qualify for assistance, and may partner with private, for-profit entities so long as the sole general partner is a nonprofit organization that meets the statutory requirements. Occupancy is open to very low-income households which include at least one person 62 years of age or older.

Legal Authority: Section 202 of the Housing Act of 1959 (12 U.S.C. 1701q), as amended by section 210 of the Housing and Community Development Act of 1974 (Public Law 86-372); section 801 of the Cranston-Gonzalez National Affordable Housing Act (Public Law 101-625); the Housing and Community Development Act of 1992 (Public Law 102-550); the Rescissions Act (Public Law 104-19); the American Homeownership and Economic Opportunity Act of 2000 (Public Law 106-569); the Housing and Economic Recovery Act of 2008 (Public Law 110-289); and the Section 202 Supportive Housing for the Elderly Act of 2010 (Public Law 111-372). Regulations are at 24 CFR part 891.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/eld202.cfm

Current Status: Active.

Assisted-Living Conversion Program (ALCP)

Provides grants to private nonprofit owners of eligible developments to convert some or all of the dwelling units in the development into an assisted-living facility or service-enriched housing for the frail elderly.

Nature of Program: This program provides funding for the physical costs of converting some or all of units in an eligible development into an assisted-living facility or service-enriched housing, including the unit configuration, common and services space, and any necessary remodeling consistent with HUD’s or the state’s statute or regulations (whichever is more stringent). These facilities are designed to accommodate frail elderly and people with disabilities who can live independently, but need assistance with activities of daily living (e.g., assistance with eating, bathing, grooming, dressing, and home management activities). Under this program, funded facilities must provide supportive services, such as personal care, transportation, meals, housekeeping, or laundry. The facility must be licensed and regulated by the state (or, if there is no state law providing such licensing and regulation, by the municipality or other subdivision in which the facility is located).

Applicant Eligibility: Private nonprofit owners of Section 202, Section 8 project-based (including Rural Housing Services Section 515), Section 221(d)(3) Below Market Interest Rate, and Section 236 housing developments that are designated primarily for occupancy by the elderly. Furthermore, the existing project must be at least 5 years old.

Legal Authority: Section 202b of the Housing Act of 1959 (12 U.S.C. 1701q-2), as amended by the Section 202 Supportive Housing for the Elderly Act of 2010 (Public Law 111-372).

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/alcp.cfm

Current Status: Active.

Emergency Capital Repairs Program

Provides grants for substantial capital repairs to eligible multifamily projects that are owned by private nonprofit entities.

Nature of Program: This program provides grants for substantial capital repairs to eligible multifamily projects with elderly tenants that are needed to rehabilitate, modernize, or retrofit aging structures, common areas, or individual dwelling units. The capital repair needs must relate to items that present an immediate threat to the health, safety, and quality of life of the tenants. The intent of these grants is to provide one-time assistance for emergency items that could not be absorbed within the project’s operating budget, and where the tenants’ continued occupancy in the immediate future would be called into question by a delay in initiating the proposed cure.

Applicant Eligibility: Private nonprofit owners of eligible multifamily assisted housing developments designated for occupancy by elderly tenants.

Legal Authority: Section 202b of the Housing Act of 1959 (12 U.S.C. 1701q-2) and the Department of Housing and Urban Development Appropriations Act, 2006 (Public Law 109-115).

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

Current Status: Active.

Multifamily Housing Service Coordinators

Provides assistance to elderly individuals and persons with disabilities living in federally assisted multifamily housing to obtain needed supportive services.

Nature of Program: This program provides funding for service coordinators who assist elderly individuals and persons with disabilities, living in federally assisted multifamily housing and in the surrounding area, to obtain needed supportive services from community agencies. Independent living with assistance is a preferable, lower cost housing alternative to institutionalization for many frail older persons and persons with disabilities. HUD provides funding through three mechanisms: (1) a national competition with other properties for a limited amount of grant funding, (2) the use of the development’s residual receipts or excess income, or (3) budget-based rent increases or special rent adjustments.

Applicant Eligibility: Owners of Section 202, Section 8 project-based (including Rural Housing Services Section 515), Section 221(d)(3) Below Market Interest Rate, and Section 236 housing developments that are designated primarily for occupancy by the elderly or persons with disabilities.

Legal Authority: Section 808 of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 8012), as amended by the Housing and Community Development Act of 1992 (Public Law 102-550) and the American Homeownership and Economic Opportunity Act of 2000 (Public Law 106-569).

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/servicecoord.cfm

Current Status: Active.

Manufactured Home Parks (Section 207)

Federal mortgage insurance to finance construction or rehabilitation of manufactured home parks.

Nature of Program: HUD insures mortgages made by private lending institutions to help finance construction or rehabilitation of manufactured home parks consisting of five or more spaces. The park must be located in an area approved by HUD in which market conditions show a need for such housing.

Applicant Eligibility: Investors, builders, developers, cooperatives, and others meeting HUD’s requirements mayapply to an FHA-approved lending institution after conferring with the local HUD office.

Legal Authority: Section 207 of the National Housing Act (12 U.S.C. 1713). Regulations are at 24 CFR part 200, subpart A, and part 207.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office; HUD Multifamily Hubs and Program Centers.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/homepark207.cfm

Current Status: Active.

Cooperative Housing (Section 213)

Federal mortgage insurance to finance cooperative housing projects.

Nature of Program: HUD insures mortgages made by private lending institutions on cooperative housing projects of five or more dwelling units to be occupied by members of nonprofit cooperative ownership housing corporations. These loans may finance new construction, rehabilitation, acquisition, improvement, or repair of a project already owned, and resale of individual memberships; construction of projects composed of individual family dwellings to be bought by individual members with separate insured mortgages; and construction or rehabilitation of projects that the owners intend to sell to nonprofit cooperatives.

Applicant Eligibility: Nonprofit corporations or trusts organized to construct homes for members of the corporation or beneficiaries of the trust; and qualified sponsors who intend to sell the project to a nonprofit corporation or trust.

Legal Authority: Section 213 of the National Housing Act (12 U.S.C. 1715e). Regulations are at 24 CFR part 200, subpart A, and part 213.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office; HUD Multifamily Hubs and Program Centers.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/coop213.cfm

Current Status: Active. New construction and substantial rehabilitation cooperative projects are also insured under Section 221(d)(3), which requires appropriated credit subsidy and a higher mortgage insurance premium.

Mortgage and Major Home Improvement Loan Insurance for Urban Renewal Areas

(Section 220)

Federally insured loans used to finance mortgages for housing in urban renewal areas, areas in which concentrated revitalization activities have been undertaken by local government, or to alter, repair, or improve housing in those areas.

Nature of Program: HUD insures mortgages on new or rehabilitated homes or multifamily structures located in designated urban renewal areas and areas with concentrated programs of code enforcement and neighborhood development. HUD insures supplemental loans to finance improvements that will enhance and preserve salvageable homes and apartments in designated urban renewal areas.

Applicant Eligibility: Investors, builders, developers, individual homeowners, and apartment owners.

Legal Authority: Section 220 of the National Housing Act (12 U.S.C. 1715k). Regulations are at 24 CFR part 200, subpart A, and part 220.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office; HUD Multifamily Hubs and Program Centers.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/renturbanhsg220.cfm

Current Status: The Multifamily program is active. The Single Family program and Supplemental Loan program are not active.

Multifamily Rental Housing for Moderate-Income Families

(Section 221(d)(3) and (4))

Mortgage insurance to finance rental or cooperative multifamily housing for moderate-income households, including projects designated for the elderly. Section 221(d)(3) and (4) are HUD’s major insurance programs for new construction or substantially rehabilitated multifamily rental housing.

Nature of Program: The Department insures mortgages made by private lending institutions to help finance construction or substantial rehabilitation of multifamily (five or more units) rental or cooperative housing for moderate-income or displaced families. Projects in both cases may consist of detached, semi-detached, row, walk-up, or elevator structures. SRO projects may consist of units that do not contain a complete kitchen or bath.

Currently, the principal difference between the programs is that HUD may insure up to 100 percent of replacement cost in the case of new construction under Section 221(d)(3) for public, nonprofit and cooperative mortgagors, but only up to 90 percent under Section 221(d)(4), irrespective of the type of mortgagor.

Applicant Eligibility: Section 221(d)(3) is available to public, nonprofit, and cooperative mortgagors. Section 221(d)(4) mortgages are available to profit-motivated sponsors.

Legal Authority: Section 221 of the National Housing Act (12 U.S.C. 17151). Regulations are at 24 CFR part 200, subpart A, and part 221, subparts C and D.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/rentcoophsg221d3n4.cfm

Current Status: Active.

Existing Multifamily Rental Housing (Section 207/223(f))

Federal mortgage insurance under Section 207 of the National Housing Act pursuant to Section 223(f) of the National Housing Act for the purchase or refinancing of existing apartment projects; to refinance an existing cooperative housing project; or for the purchase and conversion of an existing rental project to cooperative housing.

Nature of Program: HUD insures mortgages under Section 207 of the National Housing Act pursuant to Section 223(f) of the same Act to purchase or refinance existing multifamily projects originally financed with or without federal mortgage insurance. HUD may insure mortgages on existing multifamily projects under this program that do not require substantial rehabilitation. A project must contain at least five units, and construction or substantial rehabilitation must have been completed for 3 years or more.

Applicant Eligibility: Investors, builders, developers, and others who meet HUD requirements.

Legal Authority: Section 223(f) of the National Housing Act (12 U.S.C. 1715n(f)). Regulations are at 24 CFR part 200, subpart A, and part 207.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office; HUD Multifamily Hubs and Program Centers.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/purchrefi223f.cfm

Current Status: Active.

Mortgage Insurance for Housing for the Elderly (Section 231)

Federal mortgage insurance to finance the construction or rehabilitation of rental housing for the elderly and/or persons with disabilities.

Nature of Program: To assure a supply of rental housing suited to the needs of the elderly or handicapped, HUD insures mortgages made by private lending institutions to build or rehabilitate multifamily projects consisting of five or more units. HUD may insure up to 100 percent of the Federal Housing Commissioner’s estimate of value after completion for nonprofit and public mortgagors, but only up to 90 percent for private mortgagors. Congregate care projects with central kitchens providing food service are not eligible.

Applicant Eligibility: Investors, builders, developers, public bodies, and nonprofit sponsors may qualify for mortgage insurance. All elderly (62 or older) and/or persons with disabilities are eligible to occupy units in a project insured under this program.

Legal Authority: Section 231 of the National Housing Act (12 U.S.C. 1715v). Regulations are at 24 CFR part 200, subpart A, and part 231.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office; HUD Multifamily Hubs and Program Centers.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/renthsgeld231.cfm

Current Status: Active, but only a few loans are insured each year. Multifamily housing for the elderly is now generally insured under the Section 221(d)(3) and (4) programs.

Supplemental Loans for Multifamily Projects (Section 241)

Federal mortgage loan insurance to finance improvements and additions to, and equipment for multifamily rental housing and healthcare facilities.

Nature of Program: HUD insures loans made by lenders to pay for improvements or additions to apartment projects, nursing homes, hospitals, or group-practice facilities that already carry HUD-insured or HUD-held mortgages. Projects may also obtain FHA insurance on loans to preserve, expand, or improve housing opportunities, to provide fire and safety equipment, or to finance energy conservation improvements to conventionally financed projects. Major movable equipment for nursing homes, group practice facilities, or hospitals also may be covered by a mortgage under this program.

Applicant Eligibility: Qualified owners and purchasers of multifamily projects and owners of healthcare facilities (as specified above).

Legal Authority: Section 241 of the National Housing Act (12 U.S.C. 1715z-6). Regulations are at 24 CFR part 200, subpart A, and part 241.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering offices; HUD Multifamily Hubs and Program Centers for rental projects; Office of Healthcare Programs for healthcare facilities.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/supplement241a.cfm

Current Status: Active.

Supportive Housing for Persons with Disabilities (Section 811)

Provides assistance to expand the supply of housing with the availability of supportive services for persons with disabilities and promotes and facilities community integration for people with significant and long-term disabilities.

Nature of Program: Capital advances are made to eligible nonprofit sponsors and, in cases of mixed-finance, for-profit limited partnerships the sole general partner of which is (i) is a nonprofit organization; (ii) a for-profit corporation controlled by a nonprofit organization; or (iii) a limited liability company controlled by a nonprofit organization which has a Section 501(c)(3) tax exemption ruling, to finance the development of rental housing with the availability of supportive services for persons with disabilities. The advance is interest free and does not have to be repaid so long as the housing remains available for very low-income persons with disabilities for at least 40 years. Project rental assistance covers the difference between the HUD-approved operating cost of the project and the tenants’ contributions toward rent. Section 8 tenant-based assistance is also available, subject to appropriations.

In addition, project rental assistance is available as another method of financing supportive housing for persons with disabilities. This assistance is only available to extremely low-income persons with disabilities and extremely low-income households that include at least one person with a disability. Funds are provided to state housing finance agencies and other appropriate entities that apply, subject to appropriations.

Applicant Eligibility: Nonprofit organizations with a Section 501(c)(3) IRS tax exemption may qualify for assistance, and may partner with private, for-profit entities so long as the sole general partner is a nonprofit organization that meets the statutory requirements. Occupancy is open to very low-income persons with disabilities who are at least 18 years old and less than 62 years of age.

Legal Authority: Section 811 of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 8013), as amended by the Frank Melville Supportive Housing Investment Act of 2010 (Public Law 111-374). Regulations are at 24 CFR part 891.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and HUD field offices.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/disab811.cfm

Current Status: Active.

Multifamily Mortgage Risk-Sharing Programs (Sections 542(b) and 542(c))

Two multifamily mortgage credit programs under which Fannie Mae, Freddie Mac, and state and local housing finance agencies share the risk and the mortgage insurance premium on multifamily housing.

Nature of Program: Section 542(b) of the Housing and Community Development Act of 1992 authorizes HUD to enter into reinsurance agreements with Fannie Mae, Freddie Mac, qualified financial institutions (QFIs), and the Federal Housing Finance Board. The agreements provide for risk-sharing on a 50-50 basis. Currently, only Fannie Mae and Freddie Mac have active risk-sharing programs with HUD.

Section 542(c) enables HUD to carry out a program in conjunction with qualified state and local housing finance agencies (HFAs) to provide federal credit enhancement for loans for affordable multifamily housing through a system of risk-sharing agreements. Agreements provide for risk-sharing between 10 percent and 90 percent.

The Fiscal Year 2001 Appropriations Act changed the program from a pilot program into a permanent insurance authority.

Applicant Eligibility: Fannie Mae, Freddie Mac, QFIs, HFAs, and the Federal Housing Finance Board.

Legal Authority: Section 542 of the Housing and Community Development Act of 1992 (12 U.S.C. 1707 note). Regulations are at 24 CFR part 266 for the Section 542(c) program. Section 542(b) is implemented through a housing notice and negotiated agreements without regulations.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office, and for Section 542(c), state housing finance agencies.

On the Web: www.hud.gov/offices/hsg/mfh/progdesc/riskshare542b.cfm or

www.hud.gov/offices/hsg/mfh/progdesc/riskshare542c.cfm

Current Status: Active.

Mark-to-Market Program

Preserves long-term low-income housing affordability by restructuring FHA-insured or HUD-held mortgages for eligible multifamily housing projects.

Nature of Program: The Multifamily Assisted Housing Reform and Affordability Act of 1997 (MAHRA) authorized a Mark-to-Market program designed to preserve low-income rental housing affordability while reducing the long-term costs of federal rental assistance, including project-based assistance from HUD, for certain multifamily rental projects. The projects involved are projects with (1) HUD-insured or HUD-held mortgages; and (2) contracts for project-based rental assistance from HUD, primarily through the Section 8 program, for which the average rents for assisted units exceed the rent of comparable properties. The program objectives are to (1) preserve housing affordability while reducing the costs of project-based assistance; (2) restructure the HUD-insured or HUD-held financing so that the monthly payments on the first mortgage can be paid from the reduced rental levels; (3) reduce the costs of insurance claims; and (4) ensure competent management of the project. The restructured project is subject to long-term use and affordability restrictions.

Legal Authority: Multifamily Assistance and Housing Reform and Affordability Act of 1997 (42 U.S.C. 1437f note). Regulations are at 24 CFR parts 401 and 402.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Source: Administering office.

Current Status: Active. The program is scheduled to terminate October 1, 2011. However, MAHRA authorizes mortgage restructurings beyond October 1, 2011, with respect to projects for which HUD and the project owner have entered into a binding commitment under MAHRA before that date.

Self-Help Housing Property Disposition

Makes surplus federal properties available through sale at less than fair market value to states, their subdivisions and instrumentalities, and nonprofit organizations.

Nature of Program: The property must be used for self-help housing for low-income persons. Residents of the property must make a substantial contribution of labor toward the construction, rehabilitation, or refurbishment of the property. HUD has the right to take the property back if it is not used in accordance with program requirements.

Applicant Eligibility: State and local governments.

Legal Authority: Public Law 105-50 (approved October 6, 1997).

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Administering office and local HUD field offices. Information on a specific property is available from the General Services Administration.

Current Status: Active.

Renewal of Section 8 Project-Based Rental Assistance

Through Project-Based Section 8 Rental Assistance, HUD assists more than 1.2 million extremely low-, low- and very low-income families in obtaining decent, safe, and sanitary housing.

Nature of Program: HUD renews Section 8 project-based housing assistance payments (―HAP‖) contracts with owners of multifamily rental housing. The project-based rental assistance makes up the difference between what an extremely low-, low-, or very low-income household can afford and the approved rent for an adequate housing unit in a multifamily project. Eligible tenants must pay the highest of 30 percent of adjusted income, 10 percent of gross income, or the portion of welfare assistance designated for housing or the minimum rent established by HUD.

Originally, the assistance was provided in connection with new construction or substantial rehabilitation or to support existing projects. Authority to use project-based rental assistance in connection with new construction or substantial rehabilitation was repealed in 1983. While funding is no longer available for new commitments, funding is available for the renewal of Section 8 HAP contracts for units already assisted with project-based Section 8 renewal assistance.

Applicant Eligibility: Project sponsors are private owners, both profit-motivated and nonprofit or cooperative organizations. Extremely low- and very low-income families whose incomes do not exceed 50 percent of the median income for the area are eligible to occupy the assisted units. A limited number of available units may be rented to low-income families whose incomes are between 50 percent and 80 percent of median income for the area.

Legal Authority: For the renewal of Section 8 project-based assistance, see Section 524 of the Multifamily Assisted Housing Reform and Affordability Act of 1997 (42 U.S.C. 1437f). For Section 8 procedures, see Section 8 regulations at 24 CFR parts 5, 402, 880-881, 883-884, and 886.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, Department of Housing and Urban Development, Washington DC 20410-8000.

Information Sources: HUD field offices.

Current Status: Active. The program is active for administration and the renewal of existing project-based Section 8 contracts. Renewals are funded on an annual basis through appropriations acts.

Healthcare Programs

New Construction or Substantial Rehabilitation of Nursing Homes, Intermediate

Care Facilities, Board and Care Homes, and Assisted Living Facilities (Section 232);

Purchase or Refinancing of Existing Facilities (Section 232/223(f))

Federal mortgage insurance to finance or rehabilitate nursing, assisted-living, intermediate care, or board and care facilities.

Nature of Program: HUD insures mortgages made by private lending institutions to finance construction or renovation of facilities to accommodate 20 or more patients requiring skilled nursing care and related medical services, or those in need of minimum but continuous care provided by licensed or trained personnel. Assisted living facilities and board and care facilities may contain no fewer than five one-bedroom or efficiency units. Nursing home, intermediate care, and board and care services may be combined in the same facility covered by an insured mortgage or may be in separate facilities. Major equipment needed to operate the facility may be included in the mortgage. Facilities for day care may be included. Existing projects are also eligible for purchase or refinancing with or without repairs (and not requiring substantial rehabilitation) under Section 232/ Section 223(f).

Applicant Eligibility: Developers, private owners, and private nonprofit corporations or associations, and public agencies (nursing homes only), or public entities that are licensed or regulated by the state to accommodate convalescents and persons requiring skilled nursing care or intermediate care, may qualify for mortgage insurance. Patients requiring skilled nursing, intermediate care, assisted living and/or board and care are eligible to live in these facilities.

Legal Authority: Section 232 of the National Housing Act (12 U.S.C. 1715w). Regulations are at 24 CFR part 200, subpart A, and part 232.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Office of Healthcare Programs.

On the Web: www.hud.gov/healthcare

Current Status: Active.

Hospitals (Section 242)

Federal mortgage insurance to finance construction or rehabilitation of public or private nonprofit and proprietary hospitals, including major movable equipment.

Nature of Program: HUD insures mortgages made by private lenders to facilitate the construction or renovation of acute care hospitals. Clients range in size from large urban teaching hospitals to small rural hospitals. Critical Access Hospitals (hospitals with 25 beds or less which have received designation by states and the Department of Health and Human Services) are also eligible. Facilities must be properly licensed, provide primarily acute patient care, and be able to demonstrate the need for the project. Key program criteria include a maximum loan-to-value of 90 percent, a loan term of 25 years, and funding of a mortgage reserve fund. The term of the HUD-insured mortgage for hospitals cannot exceed 25 years. Existing hospital projects are also eligible for refinancing.

Applicant Eligibility: Public, proprietary, and nonprofit acute care hospitals licensed or regulated by the state.

Legal Authority: Section 242 of the National Housing Act (12 U.S.C. 1715z-7) and the Hospital Mortgage Insurance Act of 2003 (12 U.S.C. 1701). Regulations are at 24 CFR part 200, subpart A, and part 242.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Information Sources: Office Healthcare Programs (202) 708-0599.

On the Web: http://www.hud.gov/healthcare

Current Status: Active.

Public and Indian Housing

Housing Choice Voucher Program

Through tenant-based vouchers, HUD provides rental subsidies for standard-quality units that are chosen by the tenant in the private market.

Nature of Program: The following is a short list of key features:

Targeting and Eligibility. At least 75 percent of the families admitted to a public housing agency’s (PHA) Housing Choice Voucher program during the PHA’s fiscal year must have income at or below 30 percent of the area median income. In general, eligibility for vouchers is limited to:

Very low-income families;

Low-income families previously assisted under the public housing, Section 23, or Section 8 project-based housing programs;

Low-income families that are non-purchasing tenants of certain homeownership programs;

Low-income tenants displaced from certain Section 221 and 236 projects; or Low-income families that meet PHA-specified eligibility criteria (see Section 8(o)(4)).

Payment Standards. The subsidy amount is based on a payment standard set by the PHA between 90 percent and 110 percent of the fair market rent (FMR). HUD may approve payment standards lower than 90 percent of FMR and payment standards higher than 110 percent of FMR, and may require PHA payment standard changes because of incidence of high rent burdens (see Sections 8(o)(1)(B), (D), and (E)).

Tenant Rent. A family renting a unit at or below the payment standard pays the highest of 30 percent of monthly adjusted income, 10 percent of monthly income, the welfare rent, or the PHA’s minimum rent. A family renting a unit above the payment standard pays the highest of 30 percent of monthly adjusted income, 10 percent of monthly income, the welfare rent, or the PHA’s minimum rent, plus the amount of rent above the payment standard (see Sections 8(o)(2)(A) and 8(o)(2)(B)). The rent to the owner in the voucher program must always be reasonable in relation to the rent charged for comparable unassisted units.

Maximum Initial Rent Burden. A family must not pay more than 40 percent of adjusted monthly income for rent when the family first receives voucher assistance in a particular unit. (This maximum rent burden requirement is not applicable at reexamination if the family stays in place) (see Section 8(o)(3)).

The voucher program also has provisions that outline tenant and owner responsibility. In addition to the traditional tenant screening by owners, PHAs are permitted to screen applicants for assistance. In addition, PHAs can disapprove owners who refuse to evict tenants for drug-related or violent criminal activity, or for activity that threatens the health, safety or right of peaceful enjoyment of the premises of tenants, PHA employees or owner employees, or the residences of neighbors (see Section 8(o)(6)(C)). Finally, ―Violent criminal activity on or near the premises‖ is also a statutory ground for termination of tenancy (see Section 8(o)(7)(D)).

Project-Based Voucher Assistance. A PHA that runs a tenant-based housing choice voucher program may choose to use up to 20 percent of its voucher assistance to implement a project-based voucher program. For more information, please see the Project-Based Voucher Program section.

Homeownership Voucher Assistance. A PHA may choose to use tenant-based housing choice voucher assistance to help eligible first-time homeowners with their monthly homeownership expenses. For more information, please see the Homeownership Voucher Assistance section.

Enhanced Voucher Assistance. These are special vouchers available to tenants who would otherwise be adversely affected by HUD program decisions. Enhanced vouchers are generally issued to provide continued assistance for a family at the termination of project-based rental assistance. If the family stays in the same project, the voucher payment standard covers the full market rent. Enhanced vouchers have several special requirements, but in all other respects are subject to rules of the tenant-based voucher program. Differences include a special statutory minimum rent requirement and a special payment standard, applicable to a family receiving enhanced voucher assistance that elects to stay in the same unit, which can sometimes result in a PHA approving a unit that would otherwise be unaffordable to a family with regular tenant-based assistance. If the family moves, all normal voucher rules apply.

Low-income residents of units in multifamily projects (5+ units) covered in whole or in part by a contract of project-based assistance are, in certain situations, eligible for enhanced voucher assistance. These situations include owner opt-outs from specified programs.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 8 of the U.S. Housing Act of 1937 (42 U.S.C. 1437f); Section 8(o) for vouchers (tenant-based and project-based) and Section 8(t) for enhanced vouchers. Regulations are at 24 CFR part 5 (certain cross-cutting requirements); 24 CFR part 982 (Tenant-based Housing Choice Voucher Program); 24 CFR part 983 (Project-Based Voucher Program); 24 CFR part 984 (Section 8 Family Self-Sufficiency Program); and 24 CFR part 985 (Section 8 Management Assessment Program (SEMAP)).

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Local public housing agencies or HUD field offices.

On the Web: www.hud.gov/offices/pih/programs/hcv/about/fact_sheet.cfm Current Status: Active.

Homeownership Voucher Assistance

Help for voucher families buying homes.

Nature of Program: A public housing agency (PHA), at its option, may provide monthly assistance to families that have been admitted to the Section 8 Housing Choice Voucher program in accordance with HUD regulations, that meet certain criteria, and that are purchasing homes in an amount that would otherwise have been provided to that family as tenant-based voucher assistance.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 8(y) of the U.S. Housing Act of 1937, as amended by the American Homeownership and Economic Opportunity Act of 2000 (Public Law 106-569) (42 U.S.C. 1437f(y)). Regulations are at 24 CFR part 982, subpart M.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Local public housing agencies or HUD field offices.

On the Web: http://www.hud.gov/offices/pih/programs/hcv/homeownership/index.cfm

Current Status: Active

Project-Based Voucher Program

Rental assistance for eligible families who live in specific housing developments or units.

Nature of Program: The project-based voucher program has replaced the project-based certificate program. Key features of the program include the following:

A PHA may project-base up to 20 percent of the PHA’s available voucher funding.

A PHA may provide project-based assistance for existing housing that does not need rehabilitation, as well as for newly constructed or rehabilitated housing.

After one year of assistance, a family may move from a project-based voucher unit. The family may switch to the PHA’s tenant-based voucher program when the next voucher is available, or to another comparable program if such a program is offered.

Except for units designated for families that are elderly, disabled, and/or receiving supportive services, no more than 25 percent of units in a multifamily project may have project-based voucher assistance.

The PHA may enter into a HAP contract with an owner for an initial term of up to 15 years and an extension of the initial term of up to 15 years. A PHA may agree to an extension at the time of initial HAP contract execution or any time before the expiration of the contract. In order to extend the initial contract term, the PHA must determine whether such an extension is appropriate to continue providing affordable housing for low-income families. Both the initial contract term and any contract extension are subject to the availability of appropriated funds.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 8(o)(13) of the U.S. Housing Act of 1937 (42 U.S.C. 1473f(o)(13)). Regulations are at 24 CFR part 983.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Local public housing agencies or HUD field offices.

On the Web: http://www.hud.gov/offices/pih/programs/hcv/project.cfm

Current Status: Active.

Public Housing Operating Fund

Annual subsidy to public housing agencies (PHAs) for operations and management.

Nature of Program: HUD provides operating subsidies to PHAs to help them meet operating and management expenses. A PHA can use operating funds for operating and management costs, including administration, routine maintenance, anti-crime and anti-drug activities, resident participation in management, insurance costs, energy costs, and costs, as appropriate, related to the operation and management of mixed finance projects and repayment of debt service to finance rehabilitation and development of public housing units.

Non-troubled PHAs that own or operate fewer than 250 public housing units have full discretion in how they allocate these grants between the capital and operating funds.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 9(e) of the U.S. Housing Act of 1937 (42 U.S.C. 1437g(e)). Regulations are at 24 CFR part 990.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Local public housing agencies or HUD field offices.

Current Status: Active.

Public Housing Capital Fund

Capital and management funding for public housing agencies.

Nature of Program: The Capital Fund is available by formula distribution for capital and management activities, including development, financing, and modernization of public housing projects, which includes redesign, reconstruction, and reconfiguration of public housing sites and buildings (including accessibility improvements) and development of mixed-finance projects; vacancy reduction; addressing deferred maintenance needs and the replacement of obsolete utility systems and dwelling equipment; planned code compliance, management improvements, including the establishment and initial operation of computer centers in and around public housing through a Neighborhood Networks initiative, for the purpose of enhancing self-sufficiency, employability, and economic self-reliance of public housing residents by providing them with on-site computer access and training resources; demolition and replacement; resident relocation; capital expenditures to facilitate programs to improve the empowerment and economic self-sufficiency of public housing residents, and improve resident participation; capital expenditures to improve safety and security of residents; homeownership activities, including programs under Section 32; improvement of energy and water-use efficiency by installing or changing fixtures and fittings; and integrated utility management and capital planning to maximize energy conservation and efficiency.

Based on Section 9, not more than 20 percent of a public housing agency’s (PHA) capital funds may be used for operating expenses if the PHA’s plan provides for such use. However, non-troubled PHAs that own or operate fewer than 250 units have full flexibility in how they use capital and operating funds for eligible activities under Sections 9(d)(i) and 9(e)(i).

PHAs may request HUD approval to borrow funds from the private market to make improvements to and/or develop additional public housing, by pledging a portion of their future annual Capital Fund grants to make debt service payments.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 9(d) and Section 30 of the U.S. Housing Act of 1937 (42 U.S.C. 1437g(d) and 1437z-2). Regulations are at 24 CFR part 905 and part 968.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Local public housing agencies or HUD field offices.

On the Web: http://www.hud.gov/offices/pih/programs/ph/capfund/index.cfm

Current Status: Active. Public Housing Neighborhood Networks (NN) Program

Grants for computer and job training activities.

Nature of Program: Under the NN program, the Secretary may make grants to public housing agencies (PHAs) for the purposes of providing computer and Internet access, and job training to public housing residents. Such programs may include:

The provision of program coordinators to manage job training activities and the overall operation of the NN computer centers;

Work readiness and education activities;

Purchase of computer equipment, including software;

Internet access; and

Physical improvements for the purpose of establishing a new NN center or expanding/upgrading an existing NN center.

Applicant Eligibility: PHAs only.

Legal Authority: Section 9(d)(1)(E) of the U.S. Housing Act of 1937 (42 U.S.C. 1437g(d)(1)(E)), Section 9(e)(1)(K) of the U.S. Housing Act of 1937 (42 U.S.C. 1437g(e)(1)(K)), Section 9(h)(8) of the U.S. Housing Act of 1937 (42 U.S.C. 1437g(h)), and annual HUD appropriations acts.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/pih/programs/ph/ross/aboutnn.cfm

Current Status: Active.

Revitalization of Severely Distressed Public Housing (HOPE VI)

Eradication of severely distressed public housing.

Nature of Program: In 1989, Congress established the National Commission on Severely Distressed Public Housing and charged this Commission with proposing a National Action Plan to eradicate severely distressed public housing by the year 2000. The Urban Revitalization Demonstration (URD) program, or HOPE VI, is a program that was born out of the Commission’s work. Since 1993, this program has been an important part of the transformation of public housing by encouraging public housing agencies (PHAs) to seek new partnerships with private entities to create mixed-finance and mixed-income affordable housing. In 2003, the HOPE VI program was expanded to assist local governments in the production of affordable housing in Main Street rejuvenation projects. The activities permitted under HOPE VI include, but are not limited to: the capital costs of demolition, major reconstruction, rehabilitation, and other physical improvements; the provision of replacement housing; management improvements; planning and technical assistance; and the provision of supportive services (including the funding, beginning in Fiscal Year 2000, of an endowment trust for supportive services).

The program allows HUD to provide competitive grants to PHAs to carry out HOPE VI-eligible activities. PHAs provide matching contributions in amounts at least equal to five percent of the grant amount.

Applicant Eligibility: Public housing agencies and, for Main Street Grants only, ―smaller communities‖ as defined in Section 24(n).

Legal Authority: Section 24 of the U.S. Housing Act of 1937 (42 U.S.C. 1437v).

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Administering office; Office of Public Housing Investments.

On the Web: www.hud.gov/offices/pih/programs/ph/hope6/about/description.cfm

Current Status: Active.

Choice Neighborhoods

Demonstration grant program to transform neighborhoods of extreme poverty into functioning, sustainable, mixed-income neighborhoods.

Nature of Program: The Choice Neighborhoods initiative demonstration program provides competitive grants to transform neighborhoods of extreme poverty with public and HUD-assisted housing into functioning, sustainable mixed-income neighborhoods with appropriate services, public assets, transportation and access to jobs, and schools, including public schools, community schools, and charter schools.

Choice Neighborhoods grants primarily fund the preservation, rehabilitation and transformation of public and HUD-assisted housing. Funds may also be used for the conversion of vacant or foreclosed properties to affordable housing.

Grantees must undertake comprehensive local planning with input from residents and the community. A strong emphasis is placed on local community planning for school and educational improvements, including early childhood initiatives. Grantees shall create partnerships with other local organizations including assisted housing owners, service agencies and resident organizations.

Applicant Eligibility: Local governments, public housing authorities, non-profit organizations and for profit organizations that apply in partnership with a public entity.

Legal Authority: FY 2010 Consolidated Appropriations Act, Division A, Title II (Public Law 111-117)

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Source: Administering office; Office of Public and Indian Housing.

Current Status: Active.

Public Housing Homeownership (Section 32)

Sale of public housing units to low-income families.

Nature of Program: This new public housing homeownership program was established by Section 32 of the U.S. Housing Act of 1937, which was added by the Quality Housing and Work Responsibility Act of 1998. The new public housing homeownership program (the Section 32 program) replaces the public housing homeownership program that was authorized by Section 5(h) of the U.S. Housing Act of 1937. The new statutory program was patterned largely after HUD’s regulations that implemented the Section 5(h) program. The program offers public housing agencies (PHAs) a flexible way to sell public housing units to low-income families, with preference given to current residents of the unit(s) being sold. The program helps low-income families purchase homes through an arrangement that benefits both the buyer and the public housing agency that sells the unit. It gives the buyer access to an affordable homeownership opportunity and to the many tangible and intangible advantages it brings, while permitting PHAs to sell individual units and developments that may, due to their location or configuration, be more suitable for homeownership than for rental housing. PHAs can retain and reuse the proceeds of the sale of public housing units to meet other low-income housing needs.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 32 of the U.S. Housing Act of 1937 (42 U.S.C. 1437z-4). Regulations are at 24 CFR part 906.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Administering office. Office of Public Housing Investments.

On the Web: www.hud.gov/offices/pih/centers/sac/homeownership/index.cfm

Current Status: Active. Section 32 public housing homeownership is now current and an active public housing homeownership program. Section 5(h) remains active for previously approved public housing home purchases.

Resident Opportunity and Self-Sufficiency (ROSS) Program

Grants for supportive services and resident empowerment activities.

Nature of Program: Under the ROSS program, the Secretary may make grants to public housing agencies (PHAs), recipients under the Native American Housing Assistance and Self-Determination Act (NAHASDA), resident management corporations (RMCs), resident councils or resident organizations, and nonprofit organizations supported by residents for the purposes of providing supportive services and resident empowerment activities to public and Indian housing residents, or to assist such residents in becoming economically self-sufficient. Such programs may include activities relating to:

Physical improvements to a public housing project in order to provide space for supportive services for residents;

Service coordination or congregating of a housing services program for elderly or disabled individuals;

Work readiness services, including education, job training and counseling, job search skills, business development training, tutoring, adult literacy, computer access, personal and family counseling, health screening and other health services, transportation, and child care;

Economic and job development, including employer linkages and job placement, and the start-up of micro-enterprises, community credit unions, and revolving loan funds;

Resident management activities and resident participation activities; and Other activities aimed at increasing the self-sufficiency of residents.

Grant applicants must provide a match of not less than 25 percent of the grant amount.

Applicant Eligibility: PHAs, recipients under NAHASDA, RMCs, resident councils, resident organizations, and nonprofit organizations.

Legal Authority: Section 34 of the U.S. Housing Act of 1937, as amended by Section 221 of Public Law 106-377 (42 U.S.C. 1437z-6).

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/pih/programs/ph/ross/index.cfm

Current Status: Active.

Family Self-Sufficiency Program

Promotes the development of local strategies to coordinate public and private resources that help housing choice voucher program participants and public housing tenants obtain employment that will enable participating families to achieve economic independence.

Nature of Program: The Family Self-Sufficiency (FSS) program is administered by public housing agencies (PHAs) with the help of program coordinating committees (PCCs). The PCC usually consists of representatives of local government, employment and job training agencies, welfare agencies, nonprofit providers, local businesses, and assisted families. Supportive services most commonly provided to FSS program participants are child care, transportation, remedial education, and job training. The major components of the FSS program are a contract of participation between the PHA and the family, an individualized training and services plan for each participating family member, and an interest bearing escrow account. Credits to a family’s escrow account are based on increased income earned by family members during the term of their contract. On completion of the FSS contract, a family may claim its escrow account, if no family member is receiving welfare assistance.

Each PHA that received FSS bonus funding in the early 1990s or funding for additional public housing rental units or Housing Choice Vouchers between October 1, 1992, and October 20, 1998, was required to establish an FSS program. PHAs may also establish voluntary FSS programs.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 23 of the U.S. Housing Act of 1937 (42 U.S.C. 1437u). Regulations are at 24 CFR part 984.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Source: Administering office.

On the Web: http://www.hud/gov/offices/pih/programs/hcv/fss.cfm

Current Status: Active.

Indian Community Development Block Grant (ICDBG) Program

Federal aid for Indian tribes and Alaska Native Villages to develop viable Indian communities.

Nature of Program: Offers grants on a competitive basis to eligible Indian tribes and Alaska Native Villages to improve the housing stock, provide community facilities, make infrastructure improvements, fund microenterprises, and expand job opportunities. Eligible activities include housing rehabilitation, acquisition of land for housing, and assistance for homeownership opportunities for low- and moderate-income persons. Grantees may also use funds for construction of single- or multi-use facilities, streets, and public facilities, as well as for economic development projects, especially those sponsored by nonprofit tribal organizations or local development corporations. Funds may not be used for constructing or improving government facilities, for new housing construction (unless carried out by an eligible nonprofit organization), for general government or income expenses, for operating or maintenance expenses, for political activities, or to purchase equipment.

Applicant Eligibility: Indian tribes, bands, groups, or nations, including Alaskan Indians, Aleuts, and Eskimos and Alaska Native Villages, that are eligible for assistance under the Indian Self-Determination and Education Assistance Act or had been eligible under the state and local Fiscal Assistance Act of 1972.

Funding Distribution: Under Section 106 of the Housing and Community Development Act of 1974, one percent of the Title I CDBG appropriation, excluding amounts appropriated for use under Section 107, is allocated for grants to Indian tribes. This regional allocation, which goes to the Area Offices of Native American Programs (ONAP) responsible for the program, consists of a base amount plus a formula share of the balance of the Indian CDBG program funds. The funds are distributed by the Area ONAP Offices to Indian tribes and Alaska Native Villages on a competitive basis, according to selection criteria set forth in a regulation and Notice of Funding Availability.

Legal Authority: Title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.). Regulations are at 24 CFR part 1003.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: HUD Area ONAP offices in Chicago, Denver, Oklahoma City, Phoenix, Seattle, and Anchorage.

On the Web: www.hud.gov/offices/pih/ih/grants/icdbg.cfm

Current Status: Active.

Indian Housing Block Grant (IHBG) Program

Housing assistance to Indian tribes and tribally designated housing entities.

Nature of Program: The IHBG program authorizes housing assistance under a single block grant to eligible Indian tribes or their tribally designated housing entities (TDHEs). Eligible tribes include both federally recognized and those state-recognized Indian tribes formerly eligible under the U.S. Housing Act of 1937. The allocation is made under a needs-based formula. The tribe must submit, for HUD’s review for compliance, an annual Indian housing plan containing the goals, mission, and methodology by which the recipient will accomplish its objectives during the grant period. The program began in Fiscal Year 1998.

The six categories of eligible activities for providing affordable housing (or related housing services) are:

Indian housing assistance (modernization or operating assistance for housing previously developed or operated pursuant to a contract between HUD and an Indian housing authority);

Development of additional affordable housing;

Housing-related services for affordable housing;

Management services for affordable housing;

Safety, security, and law enforcement measures and activities appropriate to protect residents of affordable housing from crime; and

Housing activities under model programs designed to carry out the purposes of the Act, if specifically approved by HUD, as appropriate.

A portion of each grant may also be used for housing activities wholly self-determined by the tribe.

Applicant Eligibility: Indian tribes and tribally designated housing entities.

Legal Authority: Titles I through V of the Native American Housing Assistance and Self-Determination Act of 1996 (NAHASDA) (Public Law 104-330) (25 U.S.C. 4101 et seq.). Regulations are at 24 CFR part 1000.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Administering office.

On the Web: www.hud.gov/offices/pih/ih/grants/ihbg.cfm

Current Status: Active. Federal Guarantees for Financing for Tribal Housing Activities (Title VI)

HUD guarantees loans for financing eligible affordable housing activities and affordable housing-related community development activities.

Nature of Program: This program authorizes HUD, through the Office of Native American Programs, to guarantee obligations issued by tribes or tribally designated housing entities (TDHEs) with tribal approval, to finance eligible affordable housing activities under Section 202 of the Native American Housing Assistance and Self-Determination Act (NAHASDA) and housing-related community development activities consistent with the purposes of NAHASDA. No guarantee could be approved if the total outstanding obligations exceed five times the amount of the grant for the issuer, taking into consideration the amount needed to maintain and protect the viability of housing developed or operated pursuant to the U.S. Housing Act of 1937.

The program requires issuers to pledge current and future Indian Housing Block Grant (IHBG) appropriations to the repayment of the guaranteed obligations. The full faith and credit of the United States is pledged to the payment of all guarantees.

HUD may not guarantee obligations exceeding $400 million for each of Fiscal Years 2009-2013. The total amount of outstanding obligations guarantees on a cumulative basis may not exceed $2 billion. Once 50 percent of the authority has been committed in any year, HUD may limit the amount of guarantees any one tribe may receive in any fiscal year to $50 million or request an increase in the statutory dollar limitations. HUD may enter into commitments to guarantee loans for any fiscal year only to the extent that funds have been appropriated.

Applicant Eligibility: Indian tribes and tribally designated housing entities that are IHBG recipients.

Legal Authority: Title VI of the Native American Housing Assistance and Self-Determination Act of 1996 (NAHASDA) (25 U.S.C. 4191 et seq.). Regulations are at 24 CFR part 1000.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Administering office, and Office of Loan Guarantee, Office of Native American Programs, Suite 3390, 1999 Broadway, Denver, CO 80202-5733.

On the Web: www.hud.gov/progdesc/fintrib1.cfm

Current Status: Active.

Loan Guarantees for Indian Housing (Section 184)

Home loan guarantees for Indian families, Indian housing authorities, and Indian tribes.

Nature of Program: Section 184 of the Housing and Community Development Act of 1992 established a loan guarantee program for Indian families, Indian housing authorities (IHAs), and Indian tribes. The purpose of the program is to provide access to private mortgage financing to Indian families, IHAs, and Indian tribes that could not otherwise acquire housing financing because of the unique legal status of Indian lands. The loans guaranteed under the program are used to construct, acquire, refinance, or rehabilitate single family housing located on trust land or land located in an Indian or Alaska Native area. The program authorizes Indian tribes to assume responsibility for federal environmental reviews. This guarantee authority is freestanding and has its own guarantee fund. HUD may enter into commitments to guarantee loans for any fiscal year only to the extent amounts have been provided in appropriations acts.

Applicant Eligibility: Indian families, Indian housing authorities, and Indian tribes.

Legal Authority: Section 184 of the Housing and Community Development Act of 1992, as amended by the Native American Assistance and Self-Determination Act of 1996 (NAHASDA) (12 U.S.C. 1715z-13a). Regulations are at 24 CFR part 1005.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Sources: Administering office; Office of Loan Guarantee, Office of Native American Programs, Suite 3390, 1999 Broadway, Denver, CO 80202-5733.

On the Web: www.hud.gov/progdesc/insec184.cfm

Current Status: Active.

Native Hawaiian Housing Block Grant (NHHBG) Program

Affordable housing activities for Native Hawaiians.

Nature of Program: The NHHBG program is patterned after the Indian Housing Block Grant (IHBG) program, but contains changes to address the housing needs and circumstances of Native Hawaiians. The NHHBG program authorizes HUD to make grants to the State of Hawaii’s Department of Hawaiian Home Lands (DHHL) to carry out affordable housing activities for Native Hawaiian families who are eligible to reside on the Hawaiian Home Lands. The DHHL must submit for HUD review a one-year and a 5-year housing plan containing the goals, mission, and methodology by which DHHL will accomplish its objectives during the grant period.

The five categories of eligible activities for providing affordable housing (or related housing services) are:

Development of affordable housing;

Housing-related services for affordable housing;

Management services for affordable housing;

Safety, security, and law enforcement measures and activities appropriate to protect residents of affordable housing from crime; and

Housing activities under model programs designed to carry out the purposes of the Act, if specifically approved by HUD, as appropriate.

Applicant Eligibility: Department of Hawaiian Home Lands.

Legal Authority: Title VIII of NAHASDA, as added by Section 513 of the American Homeownership and Economic Opportunity Act of 2000 (Public Law 106-569) and Section 203 of the Omnibus Indian Advancement Act (Public Law 106-568) (42 U.S.C. 4221). Regulations are at 24 CFR part 1006.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Source: Administering office.

On the Web: http://www.hud.gov/offices/pih/ih/codetalk/onap/nhhbgprogram.cfm

Current Status: Active.

Loan Guarantees for Native Hawaiian Housing (Section 184A)

Home loan guarantees for Native Hawaiians.

Nature of Program: This program is generally patterned after the Section 184 Indian Loan Guarantee program, but contains changes to address the housing needs and circumstances of Native Hawaiians. The purpose of the Loan Guarantee program is to provide access to sources of private mortgage financing to Native Hawaiian families who could not otherwise acquire housing financing because of the unique legal status of the Hawaiian Home Lands or as a result of a lack of access to private financial markets. Eligible borrowers include Native Hawaiian families who are eligible to reside on Hawaiian Home Lands, the Department of Hawaiian Home Lands (DHHL), the Office of Hawaiian Affairs, or private nonprofit organizations experienced in the planning and development of affordable housing for Native Hawaiians. Loans are to be used to construct, acquire, or rehabilitate housing located on the Hawaiian Home Lands.

This guarantee authority is freestanding and has its own guarantee fund. HUD may enter commitments to guarantee loans for any fiscal year only to the extent amounts have been provided in appropriations acts.

Applicant Eligibility: Native Hawaiian families, the Department of Hawaiian Homelands, the Office of Hawaiian Affairs, and private nonprofit organizations experienced in the planning and development of affordable housing for Native Hawaiians.

Legal Authority: Section 184A of the Housing and Community Development Act of 1992, as added by Section 514 of the American Homeownership and Economic Opportunity Act of 2000 (Public Law 106-569) and Section 204 of the Omnibus Indian Advancement Act (Public Law 106-568) (12 U.S.C. 1715z-13b). Regulations are at 24 CFR part 1007.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-5000.

Information Source: Administering office.

On the Web: http://www.hud.gov/offices/pih/ih/codetalk/onap/program184a.cfm

Current Status: Active.

Fair Housing and Equal Opportunity

Fair Housing Act (Title VIII)

Investigates, conciliates, and charges cases of housing discrimination prohibited under the Fair Housing Act of 1968 (Title VIII).

Nature of Program: The Fair Housing Act prohibits discrimination in housing based on race, color, religion, sex, national origin, disability, or familial status (includes individuals or families with children under 18 years of age and pregnant women). The Fair Housing Act applies to almost all housing in the country.

The Fair Housing Act prohibits discrimination in residential real estate transactions and makes it illegal to coerce, intimidate, threaten, or interfere with people exercising their rights under the Act, or assisting others in exercising their rights.

To comply with the Fair Housing Act, a seller, landlord, lender, insurance agent, realtor, etc. may not:

Deny housing, offer different terms and conditions to an applicant, or refuse to rent, sell, or negotiate with an applicant because of one or more of the prohibited bases cited above;

Use discriminatory advertising or make discriminatory statements in connection with housing;

Falsely deny that housing is available;

Deny access to or membership in a multiple-listing service or real estate broker’s organization; or

Discriminate in making loans for, or secured by, residential real estate.

In addition, landlords, condominium boards, homeowner associations, or other entities that exercise control over individual residences or common spaces within a development may not:

Refuse permission for residents with disabilities or their families to make reasonable modifications to housing, at their own expense, if the changes are necessary for a resident to fully enjoy his or her premises. However, in some instances, the resident may be required to restore the property to its original condition before moving out;

Refuse to make reasonable accommodations in rules, policies, practices, and services to provide equal opportunity to residents with disabilities to use and enjoy their homes, so long as it does not interfere with the rights of others to use and enjoy their homes.

Communities should not adopt and enforce discriminatory zoning and land use ordinances. Familial status protections do not apply to certain housing for older people. Such housing is exempt under the law if it is intended for, and solely occupied by, residents 62 years of age or older, or if 80 percent of the units are occupied by at least one person 55 years of age or older, and the housing facility or community publishes and adheres to policies and procedures that demonstrate this intent to be housing for older persons.

Since March 13, 1991, most multifamily dwellings of four or more units have been required to be designed and built so that the units are accessible to people with disabilities.

In addition to nondiscrimination, the Fair Housing Act also provides that HUD must administer all of its programs and activities in a manner that affirmatively furthers the policies of the Act. Many recipients of HUD funding are required to affirmatively further fair housing. This process includes conducting an analysis of impediments to fair housing choice, taking action to overcome such impediments, and keeping detailed records of corrective action.

Anyone who believes that he or she has been discriminated against can file a complaint with any HUD office in person, by mail, or by telephone within one year after the alleged discrimination has occurred. HUD or an equivalent state or local agency will investigate and attempt to conciliate the complaint. If it is not conciliated and it appears that discrimination has occurred, then HUD will issue a charge. A HUD administrative law judge (ALJ) will hold a hearing unless either party chooses to take a case to federal district court.

If proceeding before a HUD ALJ, the complainant may receive access to the housing that was denied and may be awarded compensatory damages and attorneys’ fees as well. In such cases, the discriminating party may also be assessed a civil penalty of up to $16,000 for a first offense. If a federal district court hears the case, the complainant may be awarded actual and punitive damages as well as attorney’s fees.

When HUD finds that a complaint has merit and requires prompt court action, as when an eviction is threatened or when a unit is about to be sold or rented to another person, HUD may direct the Department of Justice to file an action holding the unit off the market until the matter is resolved.

Applicant Eligibility: Any individual experiencing housing discrimination may file a complaint with any HUD office, in person, by mail, or by telephone, not later than one year after the alleged discriminatory act has occurred or terminated. An aggrieved person may also file suit in a federal court whether or not a complaint has been filed with HUD.

HUD has established a national toll-free housing discrimination hotline at: (800) 669-9777 (voice) or (800) 927-9275 (TTY).

Legal Authority: Fair Housing Act of 1968, as amended (42 U.S.C. 3601 et seq.).

Administering Office: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410-2000.

Information Sources: Administering office; Office of Enforcement, Enforcement Support Division.

On the Web: http://www.hud.gov/offices/fheo/progdesc/title8.cfm

Current Status: Active.

Fair Housing Assistance Program (FHAP)

Provides funding to State and local agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act.

Nature of Program: Assists state and local agencies that administer fair housing laws certified by HUD as ―substantially equivalent‖ to the Fair Housing Act or Title VIII of the Civil Rights Act of 1968, as amended. This assistance includes support for complaint processing, training, technical assistance, data and information systems, and other fair housing projects. The program is designed to build coordinated intergovernmental enforcement of fair housing laws and provide incentives for states and localities to assume a greater share of the responsibility for administering fair housing laws.

For a state or local law to be certified as ―substantially equivalent,‖ the Assistant Secretary for Fair Housing and Equal Opportunity must determine that it provides substantive rights, procedures, remedies, and the availability of judicial review comparable to the federal law. In addition, the agency’s performance must meet specific criteria established under the Fair Housing Act and the regulations set forth at 24 CFR part 115.

Substantial equivalence certification presents numerous advantages to State and local governments, parties to housing discrimination complaints and the general public. The advantages include funding availability, local complaint processing under a substantially equivalent law, and opportunities for partnership that affirmatively further fair housing.

Applicant Eligibility: Only governmental entities are eligible to participate in the FHAP. Participating agencies must (1) administer a state or local law certified as ―substantially equivalent‖ and (2) execute a written ―Interim Agreement‖ or ―Memorandum of Understanding‖ with HUD, describing the working relationship between the agency and the appropriate HUD Regional Office of Fair Housing and Equal Opportunity.

Legal Authority: Fair Housing Act of 1968, as amended (42 U.S.C. 3601 et seq.). Regulations are at 24 CFR part 115.

Administering Office: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410-2000.

Information Sources: Administering office; Office of Enforcement, FHAP Division.

On the Web: www.hud.gov/offices/fheo/partners/FHAP/index.cfm

Current Status: Active.

Fair Housing Initiatives Program (FHIP)

Increases compliance with the Fair Housing Act and substantially equivalent state and local fair housing laws.

Nature of Program: Provides funding to Qualified Fair Housing Enforcement Organizations (QFHOs), Fair Housing Enforcement Organizations (FHOs), public and private not-for-profit entities, state or local governments, and Fair Housing Assistance program agencies, formulating or carrying out programs to prevent or eliminate discriminatory housing practices. Funds enable the recipients to carry out activities designed to inform the public about rights and obligations under federal, state, or local laws prohibiting housing discrimination, and to enforce those rights. There are four distinct categories of funding under FHIP: (1) the Administrative Enforcement Initiative, (2) the Education and Outreach Initiative, (3) the Private Enforcement Initiative, and (4) the Fair Housing Organization Initiative.

Applicant Eligibility: The Administrative Enforcement Initiative is limited to state and local government agencies that administer fair housing laws certified as ―substantially equivalent‖ to the Fair Housing Act. The Education and Outreach Initiative is open to state or local governments and public or private entities that are formulating or carrying out programs to prevent or eliminate discriminatory housing practices. The Private Enforcement Initiative is limited to QFHOs and FHOs that are formulating or carrying out programs to prevent or eliminate discriminatory housing practices. At least one year of fair housing enforcement experience is required under the Private Enforcement Initiative. The Fair Housing Organization Initiative (FHOI) is limited to QFHOs and provides funding to assist newly created fair housing enforcement organizations and support development of established organizations.

Legal Authority: Section 561 of the Housing and Community Development Act of 1987 (42 U.S.C. 3616a). Regulations are at 24 CFR part 125.

Administering Office: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410-2000.

Information Sources: Administering office; Office of Programs, FHIP Division.

On the Web: www.hud.gov/offices/fheo/partners/FHIP/fhip.cfm

Current Status: Active. There is no funding, however, for the Administrative Enforcement Initiative.

Equal Opportunity in HUD-Assisted Programs (Title VI, Section 504, Americans with Disabilities Act, Section 109, Age Discrimination Act, and Title IX)

Assures equal opportunity to participate in and benefit from HUD-assisted programs or activities without regard to race, color, national origin, disability, or age, and, in some instances, religion or sex.

Nature of Program: HUD programs must comply with federal laws prohibiting discrimination in federally assisted programs or activities.

Title VI of the Civil Rights Act of 1964 and HUD’s implementing regulations at 24 CFR Part 1 prohibit race, color, and national origin discrimination in the administration of programs or activities receiving Federal financial assistance and imposing affirmative obligations on such programs or activities to remedy the effects of past discrimination.

Section 504 of the Rehabilitation Act of 1973 and HUD’s implementing regulations at 24 CFR Part 8 prohibit disability discrimination and impose accessibility standards on housing and non-housing programs receiving Federal financial assistance.

The Americans with Disabilities Act of 1990 and its implementing regulations at 28 CFR Part 35 prohibit discrimination against persons with disabilities in places of public accommodation.

The Age Discrimination Act of 1975 and HUD’s implementing regulations at 24 CFR Part 136 prohibit age discrimination in the provision of services or programs receiving Federal financial assistance.

Section 109 of Title I of the Housing and Community Development Act of 1974 and HUD’s implementing regulations at 24 CFR Part 6 prohibit discrimination on the grounds of race, color, national origin, religion, and sex for any program or activity funded in whole or in part with Title I Federal financial assistance.

Title IX ofthe Education Amendments Act of 1972 and HUD’s implementing regulations at 24 CFR Part 3 prohibit discrimination on the basis of sex in education programs or activities that receive Federal financial assistance.

Technical assistance is available to state and local agencies with civil rights problems in HUD-assisted programs. Recipients that are in noncompliance are given the opportunity to achieve voluntary compliance. If this fails, federal assistance for the program may be refused, terminated, or suspended. HUD may refer the mattter to the Department of Justice for enforcement if efforts to achieve voluntary compliance are unsuccessful.

Applicant Eligibility: Any HUD-assisted program or activity, except contracts of insurance or guaranty, is subject to Title VI, Section 504, and the Age Discrimination Act. CDBG recipients are also subject to Section 109; HUD-assisted educational programs are also subject to Title IX. Any person or group suspecting discrimination in any HUD-assisted program because of race, color, national origin, age, or disability (and religion in the Community Development Block Grant program, and sex in HUD-assisted education programs or activities) may file a complaint.

Legal Authority: Title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d); Section 109 of Title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5309); Section 504 of the Rehabilitation Act of 1973 (29 U.S.C. 794); Age Discrimination Act of 1975 (42 U.S.C. 6101 et seq.); Title II of the Americans with Disabilities Act (42 U.S.C. 12131); and Title IX of the Education Amendments Act of 1972 (20 U.S.C. 1681 et seq.).

Administering Office: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410-2000.

Information Sources: Administering office; Office of Enforcement and Programs, Compliance and Disability Rights Division.

Current Status: Active.

Section 3 Program

Fosters local economic development, job opportunities, and self-sufficiency.

Nature of Program: Section 3 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701u), as amended, requires that when new jobs or contracts are created as a result of the usage of certain HUD funds (including Public and Indian Housing funds), priority consideration is given, to the greatest extent feasible, to low- and very low-income persons residing in the community in which the funds are spent and to businesses that provide economic opportunities for these persons.

All direct recipients of HUD funds that are covered by Section 3 must document actions taken to comply with the regulatory requirements and submit reports annually. Pursuant to the regulation, HUD not only reviews this information for compliance, but also conducts periodic compliance reviews of recipients and contractors. Additionally, HUD investigates complaints filed by Section 3 residents and business concerns alleging noncompliance. Agencies that are found to be in noncompliance may be subject to sanctions including debarment, suspension, or limited denial of participation in HUD programs.

Applicant Eligibility: Direct recipients of HUD financial assistance, such as public housing agencies, nonprofit organizations, and state and local governments.

Legal Authority: Section 3 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701u).

Administering Office: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410-2000.

Information Sources: Administering office; Office of Programs, Economic Opportunity Division.

On the Web: www.hud.gov/section3

Current Status: Active.

Voluntary Compliance

Promotes voluntary compliance with fair housing laws.

Nature of Program: HUD promotes voluntary compliance with fair housing laws through Voluntary Affirmative Marketing Agreements (VAMAs) jointly negotiated and executed with housing and lending industry associations and companies nationwide.

Applicant Eligibility: Trade and professional organizations in housing and related fields, including homebuilders, real estate brokers, mortgage lenders, and rental property managers.

Legal Authority: Fair Housing Act of 1968, as amended (42 U.S.C. 3601 et seq.).

Administering Office: Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410-2000.

Information Sources: Administering office; Office of Programs, Program Standards and Compliance Division.

Current Status: No new VAMAs are being signed.

Policy Development and Research

Policy Development and Research Initiatives

Advises the Secretary on HUD policy issues.

Nature of Program: The purpose of the Office of Policy Development and Research (PD&R) is to support the mission of the Department and the policy agenda of the Secretary. PD&R performs policy analysis, research, surveys, studies, and evaluations, both short- and long-term, to assist the Secretary and other HUD principal staff to make informed decisions on HUD policies, programs, and budget and legislative proposals. This work is undertaken by in-house staff and through contracts with outside organizations. PD&R plays a keyrole in the development of HUD’s Strategic Plan, and in helping the Department meet its responsibilities under the Government Performance and Results Act. Through an active program of publications and information clearinghouses, PD&R’s work products are distributed widely to the housing research community and to the interested public. The Office of University Partnerships within PD&R administers grant programs to colleges and universities engaged in community building activities. PD&R’s research and studies support the international exchange of information and data on housing and development topics. In addition to Headquarters staff, PD&R has field economists who provide intelligence on local economic and housing conditions and technical and analytical support to HUD clients and management in Headquarters and the field.

Applicant Eligibility: Not applicable.

Legal Authority: Title V of the Housing and Urban Development Act of 1970 (12 U.S.C. 1701z-1).

Administering Office: Assistant Secretary for Policy Development and Research, U.S. Department of Housing and Urban Development, Washington, DC 20410-6000.

Information Source: Administering office.

On the Web: http://www.huduser.org/portal

Current Status: Active.

Government National Mortgage Association (Ginnie Mae)

Ginnie Mae I Mortgage-Backed Securities

Expands affordable housing in America by linking global capital markets to the nation’s housing market.

Nature of Program: Ginnie Mae guarantees investors (security holders) the timely payment of principal and interest on securities issued by private lenders that are backed by pools of Federal Housing Administration (FHA), Veterans Affairs (VA), Rural Housing Service (RHS), and Public and Indian Housing (PIH) mortgage loans. The full faith and credit guarantee of the U.S. Government that Ginnie Mae places on mortgage-backed securities lowers the cost of, and maintains the supply of, mortgage financing for government-backed loans.

In the Ginnie Mae I program, all mortgages in a pool are fixed-rate, single-family mortgages with the same interest rate. The mortgage interest rates must all be the same, and the same lender must issue the securities. With the exception of Ginnie Mae I pools that are used as collateral for state or local bond financing programs (BFP) for which Ginnie Mae provides special consideration, Ginnie Mae I securities have a servicing and guarantee fee that totals 50 basis points, and the minimum pool size is $1 million.

To issue a Ginnie Mae I security, an approved lender applies for a commitment from Ginnie Mae for the guaranty of securities. The lender originates or acquires mortgage loans and assembles them into a pool of mortgages. The Ginnie Mae I program permits lenders to issue securities backed by pools of single family, multifamily, and manufactured housing loans where the interest rate is the same for each loan in the pool. The lender decides to whom to sell the security and then submits the documents to Ginnie Mae’s pool processing agent. The agent prepares and delivers the Ginnie Mae guaranteed security to the investors designated by the lender. The lender is responsible for selling the securities and servicing the underlying mortgages. Issuers of Ginnie Mae I securities are also responsible for paying security holders on the 15th day of each month.

Applicant Eligibility: A firm must be approved as an issuer based on capital requirements, staffing, experience criteria, and infrastructure. The firm must also be an FHA-approved lender in good standing.

Legal Authority: Section 306(g) of the National Housing Act (12 U.S.C. 1721(g)).

Administering Office: Ginnie Mae, U.S. Department of Housing and Urban Development, Washington, DC 20410-9000.

Information Sources: Administering office; Office of Mortgage-Backed Securities.

On the Web: www.ginniemae.gov

Current Status: Active.

Ginnie Mae II Mortgage-Backed Securities

Expands affordable housing in America by linking global capital markets to the nation’s housing markets. The Ginnie Mae II program complements the Ginnie Mae I program.

Nature of Program: Ginnie Mae guarantees investors (security holders) the timely payment of principal and interest on securities issued by private lenders that are backed by pools of Federal Housing Administration (FHA), Veterans Affairs (VA), Rural Housing Service (RHS), and Public and Indian Housing (PIH) mortgage loans. The full faith and credit guarantee of the U.S. Government that Ginnie Mae places on mortgage-backed securities (MBS) lowers the cost of, and maintains the supply of, mortgage financing for government-backed loans.

In the Ginnie Mae II program, one or multiple lenders may pool mortgages in the same pool, which in turn allows for larger and more geographically dispersed pools. The Ginnie Mae II program also allows securities to be issued with smaller numbers of mortgage loans than the Ginnie Mae I program, and allows ARM loans to be pooled. A wider range of mortgage interest rates is permitted in a Ginnie Mae II MBS pool (lenders are permitted servicing and guarantee fees ranging from 25 to 75 basis points). With the exception of Ginnie Mae II pools that are used as collateral for state or local bond financing programs (BFP), for which Ginnie Mae provides special consideration, the minimum pool size is $25,000 for multi-lender pools and $1 million for single-lender pools.

To issue a Ginnie Mae II security, an approved lender applies for a commitment from Ginnie Mae for the guaranty of securities. The lender originates or acquires mortgage loans and assembles them into a pool of mortgages. The Ginnie Mae II program permits lenders to issue securities backed by pools of single family or manufactured housing loans where the interest rates can vary within a fixed range. The lender decides to whom to sell the security and then submits the documents to Ginnie Mae’s pool processing agent. The agent prepares and delivers the securities to the investors designated by the lender. The lender is responsible for selling the securities and servicing the underlying mortgages. Issuers of Ginnie Mae II securities are responsible for paying security holders each month.

Applicant Eligibility: A firm must be approved as an issuer based on capital requirements, staffing, experience criteria, and infrastructure. The firm must also be an FHA-approved lender in good standing.

Legal Authority: Section 306(g) of the National Housing Act (12 U.S.C. 1721(g)).

Administering Office: Government National Mortgage Association, U.S. Department of Housing and Urban Development, Washington, DC 20410-9000.

Information Sources: Administering office; Office of Mortgage-Backed Securities.

On the Web: www.ginniemae.gov

Current Status: Active.

Ginnie Mae Multiclass Securities Program

In 1970, Ginnie Mae made history when it pooled government mortgage loans together and created the first mortgage-backed security (MBS). Ginnie Mae and the capital markets have evolved since 1970, and now play a pivotal role in improving the affordability of housing for all Americans by increasing the availability of investment capital to the housing sector. In 1994, Ginnie Mae broadened its investor base for MBSs with the introduction of an innovative and more efficient vehicle, the Real Estate Mortgage Investment Conduit (commonly known in the industry as a REMIC). The mortgage market has matured to include a variety of REMIC securities, each with a broad array of features and each with a different risk-return profile. In July 2004, Ginnie Mae complemented its REMIC product line with the launch of its stripped mortgage-backed securities (SMBS) Trust vehicle. The SMBS Trust product adds another investment type to sophisticated investors in Ginnie Mae MBSs seeking better market liquidity and management of MBS prepayment risk. Callable securities, another one of Ginnie Mae’s Multiclass Securities products, give investors the option to redeem previously issued securities, allowing greater hedging flexibility.

Nature of Program: The Ginnie Mae Multiclass Securities program is a vehicle that increases the liquidity of Ginnie Mae MBSs and attracts new sources of capital for federally insured or guaranteed loans. A REMIC is a type of pay-through bond characterized by a multiclass or multi-tranched serialized structure. REMICs are partitioned into several tranches of bonds of serialized priority by which the bonds are redeemed. Ginnie Mae REMICs are collateralized by Ginnie Mae MBSs, which are in turn backed by FHA, VA, RHS, and PIH mortgage loans.

Ginnie Mae REMICs direct principal and interest payments from the underlying MBSs to classes (tranches) with different principal balances, interest rates, average lives, prepayment characteristics, and final maturities. This enables investors with different investment horizons, risk-reward preferences, and asset-liability management requirements to purchase mortgage securities that are tailored to their needs.

While REMICs add the flexibility for dealers to tailor cash flows to investors with duration concerns, the SMBS Trust product allows sophisticated investors to reduce (or increase) prepayment risks by isolating and combining various interest only (IO) and principal only (PO) cash flow components.

Callable securities are structured through a Grantor Trust vehicle and consist of the following classes: Class A is the callable class that receives the pass-through cash flow, and Class B is the call class that can call Class A securities and exchange them for the underlying collateral at any time after the lockout period.

Ginnie Mae is a government-owned, publicly managed corporation that has never failed to fulfill its responsibility as guarantor of its securities. Ginnie Mae’s obligations are backed by the full faith and credit of the United States Government. Nevertheless, investors considering an investment in a Ginnie Mae REMIC should read the related offering circular and offering circular supplement, and consult their investment advisors to ensure that they fully understand the risks, particularly the prepayment and market risks associated with an investment in a REMIC security.

Applicant Eligibility: A dealer must meet the following six requirements to participate in the Ginnie Mae Multiclass Securities program:

Apply and be approved;

Demonstrate to Ginnie Mae’s satisfaction its capacity to accumulate the eligible assets needed for a proposed structured securities issuance; Meet the minimum capital requirement of $250 million in shareholders’ equity or partnership capital, evidenced by the dealer’s most recent audited financial statements, which must have been issued within the preceding 12 months; Demonstrate good standing with, and have been responsible for, at least one structured transaction with Fannie Mae or Freddie Mac, or demonstrate to Ginnie Mae’s satisfaction the capability to consummate a structured transaction; Represent the structural integrity of the proposed issuance under all cash flow scenarios and demonstrate to Ginnie Mae’s satisfaction its ability to indemnify Ginnie Mae for a breach of this representation; and

Comply, and obtain compliance from the participants that it selects, with Ginnie Mae’s participation requirements and policies regarding participation by minority- and women-owned businesses.

Legal Authority: Section 306(g) of the National Housing Act (12 U.S.C. 1721(g)).

Administering Office: Government National Mortgage Association (Ginnie Mae), U.S. Department of Housing and Urban Development, Washington, DC 20410-9000.

Information Sources: Administering office; Office of Capital Markets.

On the Web: www.ginniemae.gov

Current Status: Active.

Ginnie Mae Platinum Securities Program

Increases the marketability of Ginnie Mae Mortgage-Backed Securities (MBSs) by providing investors with an efficient mechanism for managing their Ginnie Mae securities.

Nature of Program: Ginnie Mae Platinum Securities allow investors to combine Ginnie Mae MBS pools with uniform mortgage interest rates and original terms to maturity into a single security, backed by the full faith and credit of the United States Government. Investors then receive a single payment from the combined securities every month, rather than separate payments from each individual security. Because it lowers administrative costs and improves liquidity, particularly for small pools, this feature serves to make the Ginnie Mae Platinum Security attractive. Ginnie Mae Platinum Securities can be used in structured finance transactions, repurchase transactions, and general trading.

Applicant Eligibility: The depositor, who is an accredited investor, as defined in Rules 501(a)(1), 501(a)(3), or 501(a)(7) under the Securities Act of 1933, and is the owner, or is acting for the owner of Ginnie Mae MBSs, and executes the Deposit Agreement requesting the issuance of Ginnie Mae Platinum Securities.

Legal Authority: Section 306(g) of the National Housing Act (12 U.S.C. 1721(g)).

Administering Office: Government National Mortgage Association, U.S. Department of Housing and Urban Development, Washington, DC 20410-9000.

Information Sources: Administering office; Office of Capital Markets.

On the Web: www.ginniemae.gov

Current Status: Active.

Healthy Homes and Lead Hazard Control

General capacity building and technical assistance, grants for the development of local programs to address housing-related health hazards, demonstration projects and research, outreach, and education authority related to lead hazard control and healthy homes issues.

Nature of Program: This program addresses childhood lead-based paint poisoning and other childhood diseases associated with poor housing conditions such as exposure to moisture, mold, poor air quality, lead paint, residential application of pesticides, the presence of allergens, vermin, dust, and other substances that contribute to asthma, and hazardous conditions that increase the risk of injury. It promotes preventive measures to correct multiple safety and health hazards in the home environment through several components:

Authority to perform research and technical studies, including in cooperation with other federal agencies, to establish standards for such matters as performance of detection methods and cleanups; to evaluate the effectiveness of methods and strategies for hazard evaluation and reduction; to gain knowledge to improve the cost-effectiveness and efficacy of evaluation and control of lead-based paint and other health and safety hazards in the home; and to help communities use this knowledge to reduce these hazards in their housing.

Grants to state and local governments and private organizations to evaluate and reduce lead-based paint hazards in privately owned low-income housing; and grants to state and local governments and private organizations to develop methods to assess and reduce additional housing-related hazards.

Establishment of procedures to evaluate and reduce lead-based paint hazards in federally owned housing and housing receiving federal assistance, including public housing, and to assist HUD program offices in implementing these procedures in their housing assistance programs.

Enforcement of lead-based paint and lead-based paint hazard disclosure requirements upon rental or sale of housing built before 1978.

Applicant Eligibility: Depending on the grant program, state and local governments, Native American tribes, nonprofit or for-profit entities, and universities.

Legal Authority: Lead-Based Paint Poisoning Prevention Act (42 U.S.C. 4821 et seq.); Residential Lead-Based Paint Hazard Reduction Act of 1992 (Title X of the Housing and Community Development Act of 1992; 42 U.S.C. 4851 et seq.); Sections 501 and 502 of the Housing and Urban Development Act of 1970 (12 U.S.C. 1701z-1 and 1701z-2). Regulations are at 24 CFR part 35.

Information Sources: Director of the Office of Healthy Homes and Lead Hazard Control, U.S. Department of Housing and Urban Development, Washington, DC 20410-3000.

On the Web: www.hud.gov/offices/lead/index.cfm

Current Status: Active.

Office of Sustainable Communities

Sustainable Communities Initiative

Provides grants to improve regional and local planning efforts that integrate housing and transportation decisions, and increase the capacity to improve land use and zoning to support market investments that support sustainable communities.

Nature of Program: The Sustainable Communities Initiative consists of two grant programs: Sustainable Communities Regional Planning Grants and Community Challenge Planning Grants. The Initiative also has a research and evaluation program.

Sustainable Communities Regional Planning Grants support metropolitan and multijurisdictional planning efforts that integrate housing, land use, economic and workforce development, transportation, and infrastructure investments. The Regional Planning Grant Program places a priority on investing in partnerships that direct long-term regional development and reinvestment, demonstrate a commitment to addressing issues of regional significance, utilize data to set and monitor progress toward performance goals, and engage stakeholders and citizens in meaningful decision-making roles.

Community Challenge Planning Grants foster reform and reduce barriers to achieve affordable, economically vital, and sustainable communities. Such efforts may include amending or replacing local master plans, zoning codes, and building codes, either on a jurisdiction-wide basis or in a specific neighborhood, district, corridor, or sector to promote mixed-use development, affordable housing, the reuse of older buildings and structures for new purposes, and similar activities with the goal of promoting sustainability at the local or neighborhood level.

Research and Evaluation funding is also available, in coordination with the Department of Transportation, to evaluate both grant programs and support sustainable communities planning.

Applicant Eligibility: For Regional Planning Grants: multijurisdictional and multisector partnership consisting of a consortium of government entities and non-profit partners. For Community Challenge Planning Grants: State and local governments, including U.S. territories, tribal governments, transit agencies, port authorities, metropolitan planning organizations (MPOs), other political subdivisions of State or local governments, and multi-State or multijurisdictional groupings.

Legal Authority: FY 2010 Consolidated Appropriations Act, Division A, Title II

Administering Office: Director for the Office of Sustainable Housing and Communities, U.S. Department of Housing and Urban Development, Washington, DC 20410-3000.

Information Source: Administering office; Office of Sustainable Housing and Communities.

Current Status: Active.

Temporary Programs

Housing and Economic Recovery Act of 2008 (HERA) Programs

(Public Law 111-289, approved July 30, 2008)

HOPE for Homeowners

HERA established the HOPE for Homeowners program, under a new section 257 of the National Housing Act. HOPE for Homeowners is a voluntary program to help borrowers having difficulty paying their mortgages to refinance into FHA-insured mortgages they can afford. Existing first lien holders will ―write down‖ the size of the mortgage to a maximum of 96.5 percent of the home's new appraised value. The borrower will then be able to hold and pay down a 30-year fixed-rate mortgage with payments at or below 38 percent of their monthly income. Existing subordinate lien holders must be willing to ―write off‖ subordinate mortgages in their entirety. To be eligible for HOPE for Homeowners assistance, borrowers must meet certain criteria, including that a borrower’s mortgage must have originated on or before January 1, 2008, the borrower cannot afford the borrower’s current home loan, the borrower has mortgage debt-to-income of at least 31 percent, and the borrower must have not intentionally defaulted on any substantial debt. HERA provides for the program to sunset on September 30, 2011,precluding HUD from entering into any commitment to insure any eligible mortgage after that date.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Neighborhood Stabilization Program (NSP1)

HERA established the Neighborhood Stabilization Program (NSP) and appropriated $3.92 billion in funding (commonly referred to as NSP1) for emergency assistance grants to states and units of general local government to purchase and redevelop foreclosed and abandoned homes and residential properties. NSP is a component of the Community Development Block Grant (CDBG) program, and CDBG requirements govern unless waived.

NSP1 funds may be used to: establish financing mechanisms for purchase and redevelopment of foreclosed homes and residential properties; purchase and rehabilitate homes and residential properties abandoned or foreclosed; establish land banks for foreclosed homes; demolish blighted structures; and redevelop demolished or vacant properties. NSP1 grants are awarded on a formula basis to state, local, and territorial governments.

Under NSP1, grantees have 18 months from the date HUD signed their grant agreements to obligate these funds and four years to expend grant awards. Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

American Recovery and Reinvestment Act of 2009

(Recovery Act Programs)

(Public Law 111-5, approved February 13, 2009)

Neighborhood Stabilization Program 2

The Recovery Act included an additional $2 billion appropriation for the Neighborhood Stabilization Program (commonly referred to as NSP2), as authorized in HERA and described above, for the redevelopment of abandoned and foreclosed homes and residential properties. NSP2 provides competitive grant awards to states, units of general local government, and nonprofit organizations to undertake eligible activities as provided under HERA, as amended.

The Recovery Act also authorized the establishment of the NSP Technical Assistance (NSP-TA) program to improve the capacities of NSP grantees and the implementation of their programs. Fifty million dollars of the $2 billion Recovery Act appropriation is set aside for this purpose. Eligible applicants for competitive NSP-TA awards are states, units of general local government, nonprofit organizations, and other organizations capable of providing technical assistance to NSP grantees.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Green Retrofit Program for Multifamily Housing

The Recovery Act included a $250 million appropriation for the Assisted Housing Energy & Green Retrofit. Grants and loans are made for eligible property owners to make energy and green retrofit investments in the property, to ensure the maintenance and preservation of the property, the continued operation and maintenance of energy efficiency technologies, and the timely expenditure of funds. Eligible Applicants are owners of properties receiving project-based assistance pursuant to section 202 of the Housing Act of 1959, section 811 of the Cranston-Gonzalez National Affordable Housing Act, or Section 8 of the United States Housing Act of 1937. Physical and financial analyses of the properties are conducted to determine the size of each grant and loan. Incentives are available to participating owners.

Grants and loans are available up to $15,000 per eligible unit based upon the needs and opportunities identified, and the agreed-upon retrofit plan. The terms of the grants or loans include continued affordability agreements. Grant and loan funds must be spent by the receiving property owner within two years. Administering Office: Office of Affordable Housing Preservation (OAHP), Assistant Secretary for Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-4000.

Healthy Homes Demonstration Grant Program and Technical Studies Grants

The Recovery Act appropriated $17 million for the Healthy Homes Demonstration Grant Program. This program assists not-for-profit institutions and for-profit firms (provided no fees are charged for services), state and local governments, housing authorities, federally-recognized Indian Tribes, and colleges and universities located in the US develop, demonstrate, and evaluate cost-effective, preventive measures to correct multiple residential safety and health hazards that produce diseases and injuries in children and other sensitive subgroups such as the elderly, with a particular focus on low income households.

In addition, $1.8 million was appropriated for the Healthy Homes Technical Studies Grants. The grants assist academic institutions, non-profit and for-profit organizations, states, Native American Tribes and local governments to conduct research to gain knowledge on improving the efficacy and cost-effectiveness of methods for evaluation and control of residential lead-based paint hazards.

Administering Office: Office of Healthy Homes and Lead Hazard Control, Washington, DC 20410-3000.

Homelessness Prevention and Rapid Re-Housing Program (HPRP)

The Recovery Act included a $1.5 billion appropriation for the Homelessness Prevention and Rapid Re-Housing Program (HPRP). The program provided formula grants to States, U.S. territories, metropolitan cities, and urban counties to provide temporary rental assistance and housing relocation and stabilization services to homeless families and individuals and low-income families and individuals at risk of homelessness. The program requires grantees to expend 60 percent of their grant funds by September 30, 2011 and to complete the expenditure of their funds by September 30, 2012.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Lead-Based Paint Hazard Control Grant Program and Lead Hazard Reduction

Demonstration Grant Program

The Recovery Act appropriated $77.9 million for the Lead-Based Paint Hazard Control Grant Program and $2.6 million for the Lead Hazard Reduction Demonstration Grant Program. Both programs undertake inspections, risk assessments, temporary relocations, workforce training, abatement, and interim control of lead-based paint hazards in eligible privately owned, single family housing units, and multifamily buildings that are occupied by low-income families. The Demonstration Grant Program assists areas with the highest lead paint abatement needs.

Administering Office: Office of Healthy Homes and Lead Hazard Control, Washington, DC 20410-3000.

Indian Housing Block Grants (Formula)

The Recovery Act included a $510 million appropriation for the Indian Housing Block grants (IHBG) and of that amount, $255,000,000 was disbursed based on a formula.

IHBG (formula) funds new construction, acquisition, rehabilitation, including energy efficiency and conservation, and infrastructure development activities. Funds can also be used to leverage private sector financing for new construction, renovation and energy retrofit investments. In selecting projects to be funded with Recovery Act funds, recipients shall give priority to projects for which contracts can be awarded within 180 days from the date that such funds are available to the recipient. Formula funds were obligated within 30 days of enactment of the Recovery Act.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-4000.

Indian Housing Block Grants (Competitive)

The Recovery Act included a $510 million appropriation for the Indian Housing Block grants (IHBG) and of that amount, $242,250,000 was allocated competitively.

IHBG (competitive), authorized by the Native American Housing Assistance and Self-Determination Act of 1996 (NAHASDA), assists tribes in developing, operating, maintaining, and supporting affordable housing for rental and homeownership housing. Funds can be used for acquisition, new construction, rehabilitation of affordable housing, site improvement, development and rehabilitation of utilities and infrastructure, utility services, conversion, demolition, financing, administration and planning, improvement to achieve greater energy efficiency, mold remediation, investments that leverage private sector funding or financing for renovations, and energy conservation retrofit investments. HUD was required to obligate competitive funds by September 30, 2009.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-4000.

Public Housing Capital Fund (Formula)

The Recovery Act included a $4 billion appropriation for the Public Housing Capital Fund, to be used for capital and management activities for public housing agencies (PHAs), as authorized under Section 9 of the United States Housing Act of 1937 (―the 1937 Act‖), as amended. The Recovery Act requires that $3 billion of these funds be distributed by the same formula used for amounts made available in fiscal year 2008, except that the Secretary of HUD has the discretion not to allocate funding to public housing agencies currently designated as troubled or to public housing agencies that elect not to accept such funding.

The use of funds varies based on each PHA’s specific needs and its assessment of priorities. Specific activities are those eligible under the Capital Fund, which include physical improvements such as new building systems (heat, water and electrical), structural systems (roofs and exteriors) and other renovation and rehabilitation work that corrects building deficiencies and improves living conditions for public housing residents. If repair and/or renovation of existing public housing units does not meet the needs of public housing residents nor does it enable the public housing project to blend into the existing community, the PHA may consider the development of new housing either at a demolished site or elsewhere.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-4000.

Public Housing Capital Fund (Competitive)

The Recovery Act included a $4 billion appropriation for the Public Housing Capital Fund, to be used for capital and management activities for public housing agencies (PHAs), as authorized under Section 9 of the United States Housing Act of 1937 (―the 1937 Act‖), as amended. The Recovery Act requires that $1 billion of these funds be distributed through a competitive process. The Public Housing Capital Fund may be used to rehabilitate, develop, and retrofit public housing units and provide employment for construction workers and skilled laborers.

Administering Office: Assistant Secretary for Public and Indian Housing, U.S. Department of Housing and Urban Development, Washington, DC 20410-4000.

Tax Credit Assistance Program (TCAP)

The Recovery Act appropriated $2.250 billion for the Tax Credit Assistance Program (TCAP), a grant program to provide funds for capital investments in stalled Low-Income Housing Tax Credit (LIHTC) projects, via a formula-based allocation to 52 State housing credit agencies (the 50 states plus the District of Columbia and the Commonwealth of Puerto Rico). The housing credit agencies in each State distribute these funds competitively and according to their qualified allocation plan. Projects awarded low income housing tax credits in fiscal years 2007, 2008, or 2009 are eligible for funding, but housing credit agencies give priority to projects that are expected to be completed by February 2012.

Administering Office: Office of Affordable Housing Preservation (OAHP), Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-4000.

Dodd-Frank Wall Street Reform and Consumer Protection Act

Programs

(Public Law 111-203, approved July 21, 2010)

Neighborhood Stabilization Program 3

The Dodd-Frank Act authorized $1 billion for the Neighborhood Stabilization Program (commonly referred to as NSP3), as authorized in HERA and described above. NSP3 provides formula grant awards to states and units of general local government to undertake eligible activities as provided under HERA, and HUD may make available up to 2 percent of the funds for technical assistance grants.

Administering Office: Assistant Secretary for Community Planning and Development, U.S. Department of Housing and Urban Development, Washington, DC 20410-7000.

Emergency Homeowners Loan Program

The Dodd-Frank Act reauthorized the emergency homeowners assistance program provided by the Emergency Housing Act of 1975 (12 U.S.C. 2701 et seq.) and made $1 billion available for this program. The 1975 Act conferred on HUD standby authority to insure or make loans to, or emergency mortgage payments on behalf of, homeowners to defray mortgage expenses so as to prevent widespread mortgage foreclosures and distress sales of homes due to a substantial reduction of income resulting from the temporary involuntary loss of employment or underemployment due to adverse economic conditions. The Dodd-Frank Act revised the 1975 Act to provide that temporary involuntary unemployment or under-employment may also be due to medical conditions, and that HUD may fund States with programs substantially similar to the Program. This program provides up to 24 months of mortgage payments assistance or $50,000, whichever occurs first.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Programs to be Transferred

In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act (Public Law 111-203, approved July 21, 2010), the following programs will transfer to the new Consumer Financial Protection Bureau on July 21, 2011.

Real Estate Settlement Procedures Act (RESPA)

RESPA seeks to reduce unnecessarily high settlement costs by requiring disclosures to homebuyers and sellers, and by prohibiting abusive practices in the real estate settlement process. All borrowers must be given information about real estate transactions, settlement services, and relevant consumer protection laws, as well as the possibility of mortgage servicing being transferred. Borrowers are entitled to initial and annual escrow account statements, as well as itemized statements of actual settlement costs. RESPA outlaws kickbacks, referral fees, and unearned fees, prohibits sellers from requiring borrowers to purchase title insurance from specific companies, and does not allow loan servicers to require excessively large escrow accounts.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Interstate Land Sales

The Interstate Land Sales Full Disclosure Act prohibits developers and their agents from selling or leasing, by mail or by means of interstate commerce, any lot in any subdivision of 100 or more nonexempt lots unless a Statement of Record is filed with HUD that discloses and documents current information about the ownership of the land; the state of title; physical characteristics; planned availability of roads, services and utilities; and other matters and the information in the Statement of Record is delivered to each purchaser or lessee in advance of signing the contract or agreement.

The Act also contains antifraud provisions, applicable to subdivisions with 25 or more lots, which prohibit developers from engaging in misleading sales practices. Any willful violation of the Act is subject to criminal penalties of imprisonment or fine, civil damages, civil money penalties, or suspension of registration.

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410-8000.

Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)

The SAFE Act enhances consumer protection and reduces fraud by ensuring that states establish minimum standards and for the licensing of mortgage loan originators in accordance with the SAFE Act. HUD is responsible for reviewing each state’s SAFE Act licensing statute or regulation, and for regularly monitoring the states for compliance. HUD also has oversight responsibility for the Nationwide Mortgage Licensing System and Registry (NMLSR), a publicly accessible and web-based database for originator information, operated by the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR).

Administering Office: Assistant Secretary for Housing-Federal Housing Commissioner, U.S. Department of Housing and Urban Development, Washington, DC 20410

Other Resources

Neighborhood Reinvestment Corporation (NeighborWorks America)

Provides financial support, technical assistance, and training for community-based revitalization efforts

Nature of Program: The Neighborhood Reinvestment Corporation (NRC) seeks to promote reinvestment in urban, suburban and rural communities by local financial institutions working cooperatively with residents and local government. It funds 235 organizations, monitors their progress, and provides grants and consulting services.

Legal Authority: Title VI of the Housing and Community Development Amendments of 1978 Act (42 U.S.C. 8101 et seq.)

Information Sources: Neighborhood Reinvestment Corporation, dba NeighborWorks America, 1325 G St., NW, Suite 800, Washington, DC 20005-3100.

On the Web: www.nw.org/network/home.asp

Current Status: Active.

U.S. Interagency Council on Homelessness

The U.S. Interagency Council on Homelessness is an independent establishment in the Executive Branch that promotes and coordinates Executive Branch activities to assist homeless persons. The Council consists of 20 agencies, and the positions of chairperson and vice chairperson rotate among the agencies on an annual basis.

The Council has various duties, including (1) review of all federal activities and programs to assist the homeless; (2) development of a comprehensive approach to end homelessness; (3) taking actions to reduce duplication among such programs and activities; and (4) preparing an annual report on homeless programs and activities.

Legal Authority: Title II of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11311 et seq.).

Location: U.S. Interagency Council on Homelessness, Federal Center SW, 409 Third Street, SW, Suite 310, Washington, DC 20024. Telephone: (202) 708-4663.

Information Sources: Office of U.S. Interagency Council on Homelessness.

On the Web: www.ich.gov

Current Status: Active.

Tables

Inactive Programs

Community Planning and Development

Renewal Communities. Tax incentives for renewal of economically disadvantaged areas. Inactive as of December 31, 2009.

Housing/Federal Housing Administration

Single Family Housing Programs

Mortgage Insurance for Older, Declining Areas (Section 223(e)). Mortgage insurance to purchase or rehabilitate housing in older, declining urban areas. The insurance is still available, but there has been little activity in recent years.

Mortgage Insurance for Condominium Units (Section 234(c)). This program provides mortgage insurance for the purchase of certain individual condominium units. Insurance is now generally provided through the section 203(b) program instead.

Housing in Military Impacted Areas (Section 238). Federal mortgage insurance for housing in areas affected by military installations. Insurance is still available, but there has been little activity in recent years.

Growing Equity Mortgage Insurance (GEM) (Section 245(a)). This program enables the homeowner to apply scheduled increases in monthly payments to the outstanding principal balance of a mortgage and thereby considerably shorten its term. This program has had little activity in recent years.

Multifamily Housing Programs

Multifamily Rental Housing (Section 207). Federal mortgage insurance to finance construction or rehabilitation of a broad cross section of rental housing. Privately owned new construction and substantial rehabilitation of multifamily rental projects are generally insured under Section 221(d)(4), because it is more advantageous to the developer.

Mortgage Insurance for Single Room Occupancy Projects (Section 221(d)) pursuant to Section 223(g). Mortgage insurance for the new construction or substantial rehabilitation of single room occupancy (SRO) facilities. The SRO program without subsidies has not been used in recent years. The more active program is Section 8 Moderate Rehabilitation Single Room Occupancy.

Congregate Housing Services. Federal grants to eligible housing projects for the elderly and disabled. No activity in recent years except to extend previously funded grants. Flexible Subsidy (Section 201). Federal aid for troubled multifamily housing projects, as well as capital improvement funds for both troubled and stable subsidized projects. No new commitments are being made.

Public and Indian Housing

Section 8 Moderate Rehabilitation Program. Assists very low-income families in obtaining decent, safe, and sanitary housing in privately owned, rehabilitated buildings. Funding is no longer available for new commitments beyond renewing expiring contracts.

Section 8 Welfare to Work. Assistance for families moving from welfare dependency to self-sufficiency. No funding has been appropriated since Fiscal Year 1999.

Homeownership and Opportunity for People Everywhere (HOPE I). Grants to provide affordable homeownership to the residents of public housing. No funding has been appropriated since Fiscal Year 1995.

Moving to Opportunity for Fair Housing. Assisted certain low-income families with children to move to areas of low concentrations of persons living in poverty. No funding has been appropriated since Fiscal Year 1992.

Section 8 Moving to Work Demonstration. Allowed public housing agencies to design and test ways to promote self-sufficiency among assisted families, achieve programmatic efficiency and reduce costs, and increase housing choice for low-income households. Only technical assistance funding was provided for this demonstration, and no funding has been appropriated since 1998.

Policy Development and Research

Bridges to Work. Grants to link low-income inner-city residents with suburban jobs. No funding has been appropriated since Fiscal Year 1996.

HUD Urban Scholars Fellowship Program. Competitive grants to Ph.D. candidates early in their academic careers to undertake research on issues related to HUD priorities. No funding has been appropriated since Fiscal Year 2004.

Partnership for Advancing Technologies in Housing (PATH). PATH was a public/private partnership with leaders of the home building, product manufacturing, insurance, and financial industries to develop and deploy innovative building technologies for the next generation of housing. No funding has been appropriated since Fiscal Year 2008.

Key HUD Statutes

1934 National Housing Act: Created the Federal Housing Administration (FHA) ―to

encourage improvements in housing standards and conditions (and) to provide a system of mutual mortgage insurance.‖ (Public Law 73-479)

1937 United States Housing Act of 1937: Created the public housing program.

(Public Law 75-412)

1949 Housing Act of 1949: Established grant programs to assist state and local

governments with community planning and urban renewal. It also established the national ―…goal of a decent home and a suitable living environment for every American family.‖ (Public Law 81-171)

1959 Housing Act of 1959: Established the Section 202 Supportive Housing for the

Elderly program and the FHA Mortgage Insurance for Nursing Homes program. (Public Law 86-372)

1964 Civil Rights Act of 1964: Title VI prohibited discrimination based on race,

color, or national origin for any program receiving Federal financial assistance. (Public Law 88-352)

1965 Department of Housing and Urban Development Act: Created the

Department in order ―…to achieve the best administration of the principal programs of the federal government which provide assistance for housing and for the development of the nation’s communities, to assist the President in achieving maximum coordination of the various Federal activities which have a major effect upon urban community, suburban, or metropolitan development…and to provide for full and appropriate consideration, at the national level, of the needs and interests of the Nation’s communities and of the people who live and work in them.‖ (Public Law 89-117)

1968 Civil Rights Act: Prohibited discrimination in housing and gave HUD

responsibility for administering those provisions. (Public Law 90-284)

Housing and Urban Development Act of 1968: Established rental and homeownership programs for lower-income families and provided for the partition of the Federal National Mortgage Association (Fannie Mae) into two separate and distinct corporate entities: (1) Fannie Mae, a private, government-sponsored enterprise; and (2) the Government National Mortgage Association (Ginnie Mae), a wholly owned government corporation whose powers and duties are vested in the Secretary of HUD. (Public Law 90-448)

1971 Lead-Based Paint Poisoning Prevention Act: Required the Secretary to

establish procedures to eliminate, as far as practicable, the hazards of lead-based paint poisoning with respect to any existing housing that may present such dangers and which is covered by an application for mortgage insurance or housing assistance payments under a program administered by the Secretary. (Public Law 91-695)

Key HUD Statutes

1973 Rehabilitation Act of 1973: Prohibited discrimination based on disability

status in programs conducted by Federal agencies. (Public Law 93-112)

1974 Housing and Community Development Act of 1974: Created Community

Development Block Grants for state and local governments ―to promote the development of viable urban communities‖ and also established Section 8 rent subsidies for low-income families. (Public Law 93-383)

National Manufactured Housing Construction and Safety Standards Act of 1974: Established federal construction and safety standards for manufactured homes. It also authorized the inspection of manufactured home plants and records, and required the notification and correction of certain defects. (Public Law 93-383)

Real Estate Settlement Procedures Act of 1974: Required advance disclosure to consumers of mortgage settlement costs in home purchase and refinancing transactions; prohibited, for real estate settlement services, kickbacks, referral fees, splits of fees, and unearned fees; required disclosures to consumers concerning their mortgage escrow accounts and loan servicing transfers; and gave HUD authority to issue regulations and to enforce this statute. (Public Law 93-533)

1983 Housing and Urban-Rural Recovery Act: Created the housing voucher

program as an addition to Section 8 rent certificates and repealed authority to make new commitments under the Section 8 project-based program. (Public Law 98-181)

1987/88 Stewart B. McKinney Homeless Assistance Act and the Stewart B.

McKinney Homeless Assistance Amendments Act of 1988: Created new programs to assist the homeless. (Public Law 100-77, Public Law 100-628)

1988 Housing and Community Development Act of 1988: Made housing vouchers

a permanent program; allowed sale of public housing to resident management corporations, giving residents the ability to manage and buy their developments; and authorized enterprise zones. (Public Law 100-242)

Fair Housing Amendments Act: Expanded the scope of fair housing provisions of the Civil Rights Act of 1968 and gave HUD additional enforcement responsibilities. (Public Law 100-430)

Anti-Drug Abuse Act of 1988: Established the Public Housing Drug Elimination program. (Public Law 100-690)

1989 Department of Housing and Urban Development Reform Act: Established

over 50 legislative reforms to help ensure ethical, financial, and management integrity. (Public Law 101-235)

1990 Americans with Disabilities Act of 1990: Prohibited discrimination based on

disability status. (Public Law 101-336)

Key HUD Statutes

Cranston-Gonzalez National Affordable Housing Act: Created programs to empower the neediest through a variety of economic incentives, low-income homeownership opportunities, and other housing and economic development programs. Created the HOME, Housing Opportunities for Persons With AIDS (HOPWA), Shelter Plus Care programs, and established the Section 811 Supportive Housing for Persons With Disabilities program and the HOPE programs. (Public Law 101-625)

1992 Housing and Community Development Act of 1992: Established the

Youthbuild and Low Income Housing Preservation and Homeownership programs and the Energy Efficient Mortgage program. Also created a comprehensive Lead Paint Hazards Reduction program, HUD risk-sharing programs with housing finance agencies and GSEs, and the Indian Housing Loan Guarantee program. (Public Law 102-550)

Residential Lead-Based Paint Hazard Reduction Act of 1992: Authorized the Secretary to provide grants to eligible applicants to evaluate and reduce lead-based paint hazards in housing that is not federally assisted, federally owned, or public housing. Eligible applicants include a state or unit of general local government that has an approved comprehensive housing affordability strategy under Section 105 of the Cranston-Gonzalez National Affordable Housing Act. (Public Law 102-550, Title X)

Federal Housing Enterprises Financial Safety and Soundness Act (FHEFSSA): Enacted by Title XIII of the Housing and Community Development Act of 1992, strengthened HUD’s regulatory authority over Fannie Mae and Freddie Mac, the two housing Government-Sponsored Enterprises (GSEs) regulated by HUD to improve access to affordable housing to low- and moderate-income families. The Act provided, among other things, the framework by which HUD establishes, monitors, and enforces housing goals for these GSEs and expanded HUD’s fair housing responsibilities over them. In addition, the Act established an independent Office of Federal Housing Enterprise Oversight within HUD to ensure that the GSEs are adequately capitalized and operating safely. (Public Law 102-550, Title XIII)

1994 Multifamily Housing Property Disposition Reform Act of 1994: Amended

disposition requirements for multifamily mortgages. Created the Economic Development Initiative program. (Public Law 103-233)

1996 Native American Housing Assistance and Self-Determination Act of 1996

(NAHASDA): Established Indian Housing Block Grant and Loan Guarantee programs. (Public Law 104-330)

Key HUD Statutes

1997 Multifamily Assisted Housing Reform and Affordability Act of 1997:

Established the Mark-to-Market program (M2M) and the Office of Multifamily Housing Assistance Restructuring (OMHAR) through the end of Fiscal Year 2001. Under this program, individual projects in HUD’s multifamily portfolio of insured Section 8 housing projects would be restructured by resetting rents to market levels and reducing mortgage debt, if necessary, to permit a positive cash flow. (Public Law 105-65 (title V))

1998 Quality Housing and Work Responsibility Act of 1998 (also known as the

Public Housing Reform Act): Made significant changes in the Public Housing and Section 8 tenant-based programs. Substantially deregulated high-performing public housing authorities, decreased poverty concentrations in public housing and promoted mixed-income communities, ensured that a threshold share of units and housing vouchers would remain available for the truly needy and created incentives for residents to become self-sufficient. (Public Law 105-276 (Title V))

1999

Preserving Affordable Housing for Senior Citizens and Families into the 21st Century Act: Enabled HUD to develop a broad range of housing options to meet the changing housing needs of senior citizens, and authorized Mark-up-to-Market, which protects low-income renters by minimizing the number of owners that choose to ―opt-out‖ of the project-based housing assistance program. (Public Law 106-74 (title V))

2000 Community Renewal Tax Relief Act of 2000 (Including New Market

Initiatives): Encouraged economic development in low- and moderate-income rural and urban communities. Created the New Market Tax Credit and Renewal Communities program; expanded the Empowerment Zones program; and increased the supply of low-income housing tax credits and private activity bonds. (Public Law 106-554)

Omnibus Indian Advancement Act: Established an American Indian Education Foundation to encourage and accept private gifts to help further education of Indian children attending BIA schools; offered increased economic development opportunities for Indian tribes; authorized new activities to help support and improve tribal governance; provided for settlement of a tribal land case in California; restored and re-established the federal trust relationship to two separate tribal groups, and improved housing assistance for American Indians and Native Hawaiians. (Public Law 106-568)

American Homeownership and Economic Opportunity Act of 2000: Permitted local housing officials to allow families receiving Section 8 assistance to aggregate up to a year’s worth of assistance to use toward homeownership; modified provisions aimed at reducing regulatory barriers to affordable housing; assisted the elderly and persons with disabilities through enhanced construction and financing programs; revised the manufactured housing program to involve a Key HUD Statutes

private consensus committee in the establishment of construction and safety standards and in the issuance of interpretative rules and expanded such program to include requirements relating to installation and dispute resolution; and provided additional housing opportunities for Native Americans and Native Hawaiians, including the establishment of the Native Hawaiian housing grant and loan guarantee programs, among other things. (Public Law 106-569)

2002 Native American Housing Assistance and Self-Determination

Reauthorization Act of 2002: Reauthorized, through Fiscal Year 2007, the NAHASDA program and the Section 184 Indian Housing Loan Guarantee program. It made miscellaneous amendments to NAHASDA related to planning, regulations, and housing-related community development. (Public Law 107-292)

Downpayment Simplification Act of 2002: Made the FHA single family downpayment simplification provisions permanent. The Act annually adjusted FHA multifamily housing loan limits, and it repealed the Ginnie Mae 3 percent guarantee fee increase that had been scheduled to take effect in Fiscal Year 2005. (Public Law 107-326)

2003 The Hospital Mortgage Insurance Act of 2003: Amended the requirements

for mortgage insurance for hospitals under the National Housing Act. The Secretary must also conduct a study of the barriers that healthcare centers must overcome to obtain mortgage insurance. (Public Law 108-91)

American Dream Downpayment Act: Authorized downpayment assistance to low-income, first-time homebuyers under HUD’s HOME program established a demonstration program for elderly housing for intergenerational families; amended the adjustable rate single family mortgages and loan limit adjustments; reauthorized the HOPE VI program; and changed the funding authorization for the CDBG Insular Areas program. (Public Law 108-186)

2004 The Consolidated Appropriations Act, 2004: Authorized HUD to access the

National Directory of New Hires, which is administered by the Department of Health and Human Services. This directory allows HUD to conduct quarterly data matching of employment information in the National Directory of New Hires with employment information provided under HUD’s public housing and Housing Choice Voucher programs. (Division G, Title II, Public Law 108-199)

2005 Department of Defense Appropriations Act, 2006: Provided supplemental

funding through Section 8 for housing vouchers for victims of hurricanes Katrina and Rita and community development funds for disaster relief, long-term recovery, and restoration of infrastructure in the areas most impacted and distressed by the hurricanes. (Public Law 109-148)

2006 Violence Against Women and Department of Justice Reauthorization Act

of 2005: Amended the United States Housing Act of 1937 by imposing new limitations on public housing authorities’ ability to evict an entire public Key HUD Statutes

housing household whenever any member of the household or any household guest engages in drug-related or certain other criminal activity when domestic violence, or the threat thereof, is involved. (Public Law 109-162)

Fiscal 2006 Emergency Supplemental for Iraq/Hurricane Relief: Provided $4.5 billion under the Housing and Community Development Act of 1974 for disaster relief, long-term recovery, and restoration of infrastructure in the most impacted and distressed areas related to the consequences of Hurricanes Katrina, Rita, and Wilma. (Public Law 109-234)

Violence Against Women and Department of Justice Reauthorization Act of 2005, Technical Amendments: Revised the United States Housing Act of 1937 to allow PHAs and landlords to evict or terminate occupancy rights of assisted housing tenants who commit acts of domestic violence against family members or others. (Public Law 109-271)

YouthBuild Transfer Act: Transferred the YouthBuild Program from HUD to the Department of Labor (DOL). The Act repealed the program’s statutory authority in the Cranston-Gonzalez National Affordable Housing Act and transferred it to subtitle D of Title I of the Workforce Investment Act. (Public Law 109-281)

Department of Homeland Security Appropriations Act, 2007: Required the implementation of the National Disaster Recovery Strategy. This Strategy requires that the Administrator of the Federal Emergency Management Agency, in coordination with the Secretary of Housing and Urban Development, heads of other appropriate Federal agencies, local government officials, and representatives of appropriate non-governmental organizations, to develop, coordinate, and maintain a Strategy to serve as a guide for recovery efforts after major disasters and emergencies. (Public Law 109-295)

2008 Recovery Rebates and Economic Stimulus for the American People Act of

2008: Raised the statutory ceiling on the maximum principal obligation of a mortgage originated between July 1, 2007 and December 31, 2008 that may be purchased by the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac); established a temporary loan limit increase for FHA-insured mortgages in specified high-cost areas for which a borrower received credit approval by December 31, 2008; and granted the Secretary discretionary authority to increase loan limits in 2008 based upon the size and location of residences in particular areas. (Public Law 110-185)

Housing and Economic Recovery Act of 2008: Overhauled regulation of the GSEs; made reforms and updates to FHA’s insurance programs, primarily the single family insurance programs; amended the U.S. Housing Act of 1937 to address regulatory burden on small public housing agencies (PHAs); and made certain reforms to HUD’s affordable housing preservation programs. HERA Key HUD Statutes

also introduced four new programs for HUD: the Neighborhood Stabilization Program, HOPE for Homeowners, the SAFE Mortgage Licensing Act, and the Housing Trust Fund. (Public Law 110-289)

Emergency Economic Stabilization Act of 2008: Authorized the Secretary of Treasury to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the U.S. economy and financial system and established the Troubled Assets Relief Program. The Secretary of HUD is a member of the oversight board for the program, the Financial Stability Oversight Board. (Public Law 110-343)

The Native American Housing Assistance and Self-Determination Reauthorization Act of 2008: Reauthorized NAHASDA through 2013 and made several amendments to the statutory requirements governing the Indian Housing Block Grant program and the NAHASDA Title VI Loan Guarantee Program. The Act amended section 106 of NAHASDA to provide that HUD shall ―initiate a negotiated rulemaking in accordance with this section by not later than 90 days after enactment of the Act.‖ (Public Law 110-411)

2009 The American Recovery and Reinvestment Act of 2009: The American

Recovery and Reinvestment Act of 2009 made appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization. With respect to HUD, appropriations were provided for the following areas: the Public Housing Capital Fund; Native American Housing Block Grants; the Community Development Fund, including additional funding for a second Neighborhood Stabilization Program; Low-Income Housing Tax Credits to be administered to State Housing Finance Agencies through the formula allocation of the HOME Investment Partnerships Program; Homelessness Prevention; Assisted Housing Stability and Energy and Green Retrofit Investments; and Lead Hazard Control grants. (Public Law 110-5)

Helping Families Save Their Homes Act of 2009: Authorized the Secretary of HUD to modify mortgages at risk of default and establish a program for payment of a partial claim to certain mortgagees; authorized new programs to prevent single and multifamily foreclosures; and modified the HOPE for Homeowners program. The Act also consolidated the separate competitive homeless assistance programs carried out under title IV of the McKinney-Vento Homeless Assistance Act (―McKinney-Vento Act‖) into the Continuum of Care program and established the Rural Housing Stability Assistance Program. (Public Law 111-22)

Consolidated Appropriations Act, 2010: Appropriated funds for the Choice Neighborhoods Initiative, the Energy Innovation Fund, and the Sustainable Communities Initiative. (Public Law 111-117)

2010 Dodd-Frank Wall Street Reform and Consumer Protection Act: Created the Key HUD Statutes

Consumer Financial Protection Bureau (CFPB), and transferred functions from HUD relating to the Real Estate Settlement Procedures Act of 1974 (RESPA), the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE), and the Interstate Land Sales Full Disclosure Act. The Act created within HUD the Office of Housing Counseling and directed the Secretary and the Director of the new CFPB to maintain a public database of information on foreclosures and defaults on mortgage loans for one- to four unit residential properties. It required HUD to develop a program to protect tenants of at-risk multifamily properties and a competitive grant program to provide foreclosure legal assistance to low- and moderate-income homeowners and tenants related to home ownership preservation, home foreclosure prevention, and tenancy associated with home foreclosure. It also authorized funding for the Emergency Homeowners’ Relief Fund and a third round of the Neighborhood Stabilization Program. (Public Law 111-203)

Section 202 Supportive Housing for the Elderly Act of 2010: Amended the statutory authority for the refinancing of Section 202 loans for supportive housing for the elderly under section 202 of the Housing Act of 1959. The new authority allowed the refinancing of certain low-interest Section 202 loans on a continuing basis, and required an additional 20-year affordability period in connection with the refinancing of any Section 202 loan. It further authorized new 20-year Section 8 project-based contracts for the project rental assistance for supportive housing for the elderly. (Public Law 111-372)

Frank Melville Supportive Housing Investment Act of 2010: Amended section 811 of the Cranston-Gonzalez National Affordable Housing Act to revise the requirements for supportive housing for persons with disabilities. It repealed the authority of the Secretary to provide tenant-based rental assistance directly to eligible persons with disabilities, and instead authorized appropriations for such assistance under section 8 (rental voucher program) of the United States Housing Act of 1937. It also modified the requirements for the project rental assistance contract, including renewal of, and increases in, annual contract amounts, revised tenant selection procedures, required a lease between a tenant and a housing owner to be for at least one year, and revised the application of cost limitations developed by the Secretary to supportive housing. (Public Law 111-374)

Programs Frequently Identified by Statutory Title or Section Number

Title Number Program Name

Statute

I Community Development Block Grants Housing and Community

Development Act of 1974

I Property Improvements Loans and National Housing Act

Manufactured Home Loans

VI Equal Opportunity in HUD-Assisted Civil Rights Act of 1964

Programs

VI Title VI Loan Guarantee Program Native American Housing and

Self-Determination Act of

1996

VIII Fair Housing

Civil Rights Act of 1964

XI Group Practice Medical Facilities Title XI of the National

Housing Act

Section Number Program Name

Statute

3 Economic Opportunities for Low- and Housing and Urban

Very Low-Income Persons Development Act of 1968

8 Lower-income Rental Assistance U.S. Housing Act of 1937

107 Section 107 Grants Housing and Community

Development Act of 1974

108 Section 108 Loan Guarantees Housing and Community

Development Act of 1974

184 Indian Housing Loan Guarantees Housing and Community

Development Act of 1992

202 Supportive Housing for the Elderly Housing Act of 1959

203(b) One- to Four-Family Home Mortgage National Housing Act

Insurance

203(k) Rehabilitation Mortgage Insurance National Housing Act

207 Multifamily Rental Housing National Housing Act

213 Cooperative Housing National Housing Act

221(d)(2) Homeownership Assistance for Low- National Housing Act

and Moderate-Income Families

221(d)(3) Multifamily Rental Housing for National Housing Act

Moderate-Income Families

223(f) Existing Multifamily Rental Housing National Housing Act

231 Mortgage Insurance for Housing for the National Housing Act

Elderly

232 Nursing Homes, Intermediate Care National Housing Act

Facilities, and Board and Care Homes

234 Condominium Housing National Housing Act

242 Hospitals

National Housing Act

255 Home Equity Conversion Mortgage National Housing Act

(HECM)

811 Supportive Housing for Persons with Housing Act of 1959

Disabilities

HUD Regional and Field Offices

(See www.hud.gov/localoffices.cfm)

State Office Name/Address Phone/Fax Region/Regional

Office

AK Anchorage Field Office (907) 677-9800 Region X

3000 C. Street

Fax: (907) 677-9803 Seattle WA

Suite 401

TTY: (907) 677-

Anchorage, AK 99503 9825

AL Birmingham Field Office (205) 731-2617 Region IV

950 22nd St North Fax (205) 731-2593 Atlanta GA

Suite. 900

Birmingham, AL 35203-5302

AR Little Rock Field Office (501) 324-5931 Region VI

425 West Capitol Avenue Fax (501) 324-6142 Ft. Worth TX Suite 1000

Little Rock, AR 72201-3488

AZ Phoenix Field Office (602) 379-7100 Region IX

One N. Central Avenue Fax (602) 379-3985 San Francisco CA Suite 600

Phoenix, AZ 85004

Tucson Field Office (520) 670-6000 Region IX

6245 E. Broadway Blvd., Ste. 350 Fax (520) 670-6207 San Francisco CA Tucson, AZ 85711

CA San Francisco Regional Office (415) 489-6400 Region IX

600 Harrison St. 3rd Floor Fax (415) 489-6419 San Francisco CA San Francisco, CA 94107-1300

Fresno Field Office (559) 487-5033 Region IX

855 M Street

Fax (559) 487-5191 San Francisco CA

Suite 970

Fresno, CA 93721

Los Angeles Field Office (213) 894-8000 Region IX

611 W. Sixth Street Fax (213) 894-8107 San Francisco CA Suite 800

Los Angeles, CA 90017

CA Sacramento Field Office (916) 498-5220 Region IX

John E. Moss Federal Building Fax (916) 498-5262 San Francisco CA Room 4-200

650 Capitol Mall

Sacramento, CA 95814 State Office Name/Address Phone/Fax Region/Regional

Office

San Diego Field Office (619) 557-5310 Region IX

Symphony Towers Fax (619) 557-5312 San Francisco CA 750 B Street

Suite 1600

San Diego, CA 92101-8131

Santa Ana Field Office (714) 796-5577 Region IX

Santa Ana Federal Building Fax (714) 796-1285 San Francisco CA Room 7015

34 Civic Center Plaza

Santa Ana, CA 92701-4003

CO Denver Regional Office (303) 672-5440 Region VIII

1670 Broadway Fax (303) 672-5004 Denver CO

25th Floor

Denver, CO 80202

CT Hartford Field Office (860) 240-4800 Region I

One Corporate Center Fax (860) 240-4850 Boston MA

20 Church Street

19th Floor

Hartford, CT 06103-3220

DC Washington, DC Field Office (202) 275-9200 Region III

820 First Street NE Fax (202) 275-9212 Philadelphia PA Suite 300

Washington, DC 20002-4205

DE Wilmington Field Office (302) 573-6300 Region III

920 King Street

Fax (302) 573-6259 Philadelphia PA

Suite 404

Wilmington, DE 19801-3016

FL Miami Field Office (305) 536-5678 Region IV

909 SE First Avenue Fax (305) 536-5765 Atlanta GA

Miami, FL 33131

Jacksonville Field Office (904) 232-2627 Region IV

Charles E. Bennett Federal Building Fax (904) 232-3759 Atlanta GA 400 W. Bay Street, Suite 1015

Jacksonville, FL 32202

Orlando Field Office (407) 648-6441 Region IV

3751 Maguire Boulevard Fax (407) 648-6310 Atlanta GA Room 270

Orlando, FL 32803-3032 State Office Name/Address Phone/Fax Region/Regional

Office

Tampa Field Office (813) 228-2026 Region IV

500 Zack Street

Fax (813) 228-2431 Atlanta GA

Suite 402

Tampa, FL 33602

GA Atlanta Regional Office (404) 331-5136 Region IV

40 Marietta Street Fax (404) 730-2392 Atlanta GA

Five Points Plaza

Atlanta, GA 30303-2806

HI Honolulu Field Office (808) 522-8175 Region IX

500 Ala Moana Blvd. Fax (808) 522-8170 San Francisco CA Suite 3A

Honolulu, HI 96813-4918

IA Des Moines Field Office (515) 284-4512 Region VII

210 Walnut Street Fax (515) 284-4743 Kansas City KS

Room 239

Des Moines, IA 50309-2155

ID Boise Field Office (208) 334-1990 Region X

Plaza IV, Suite 220 Fax (208) 334-9648 Seattle WA

800 Park Boulevard

Boise, ID 83712-7743

IL Chicago Regional Office (312) 353-5680 Region V

Ralph Metcalfe Fed Building Fax (312) 886-2729 Chicago IL 77 West Jackson Boulevard

Chicago, IL 60604-3507

Springfield Field Office (217) 492-4120 Region V

500 W. Monroe St., Fax (217) 492-4154 Chicago IL

Suite 1 SW

Springfield, IL 62704

IN Indianapolis Field Office (317) 226-6303 Region V

151 North Delaware Street Fax (317) 226-6317 Chicago IL Suite 1200

Indianapolis, IN 46204-2526

KS Kansas City Regional Office (913) 551-5462 Region VII

400 State Avenue Fax (913) 551-5469 Kansas City KS

Room 507

Kansas City, KS 66101-2406

KY Louisville Field Office (502) 582-5251 Region IV

601 West Broadway Fax (502) 582-6074 Atlanta, GA

Louisville, KY 40202 State Office Name/Address Phone/Fax Region/Regional

Office

LA New Orleans Field Office (504) 589-7201 Region VI

Hale Boggs Federal Building Fax (504) 589-7266 Ft. Worth TX 500 Poydras Street, 9th Floor TTY: (504) 589-

New Orleans, LA 70130 7277

Shreveport Field Office (318) 226-7030 Region VI

401 Edwards Street Fax (318) 676-3506 Ft. Worth TX

Room 1510

Shreveport, LA 71101-5513

MA Boston Regional Office (617) 994-8200 Region I

10 Causeway Street Fax (617) 565-6558 Boston MA

Room 301

Boston, MA 02222-1092

MD Baltimore Field Office (410) 962-2520 Region III

5th Floor

Fax (410) 209-6670 Philadelphia PA

10 South Howard Street

Baltimore, MD 21201-2505

ME Bangor Field Office (207) 945-0467 Region I

202 Harlow Street - Chase Building Fax (207) 945-0533 Boston MA Suite 101

Bangor, ME 04401-4919

MI Detroit Field Office (313) 226-7900 Region V

477 Michigan Avenue Fax (313) 226-5611 Chicago IL

Detroit, MI 48226-2592

Flint Field Office (810) 766-5112 Region V

Phoenix Building Fax (810) 766-5122 Chicago IL

801 South Saginaw, 4th Floor

Flint, Michigan 48502

Grand Rapids Field Office (616) 456-2100 Region V

Trade Center Building Fax (616) 456-2114 Chicago IL

50 Louis Street, N.W.

Grand Rapids, MI 49503-2633

MN Minneapolis Field Office (612) 370-3000 Region V

Kinnard Financial Center Fax (612) 370-3220 Chicago IL 920 Second Avenue South

Minneapolis MN 55402 State Office Name/Address Phone/Fax Region/Regional

Office

MO St. Louis Field Office (314) 539-6583 Region VII

1222 Spruce Street Fax (314) 539-6384 Kansas City KS

Suite3207

St. Louis, MO 63103-2836

MS Jackson Field Office (601) 965-4757 Region IV

McCoy Federal Building Fax (601) 965-4773 Atlanta GA 100 W. Capitol Street

Room 910

Jackson, MS 39269-1096

MT Helena Field Office (406) 449-5050 Region VIII

7 W 6th Ave

Fax (406) 449-5052 Denver CO

Helena, MT 59601

NC Greensboro Field Office (336) 547-4001 Region IV

Asheville Building Fax (336) 547-4138 Atlanta GA

1500 Pinecroft Road

Suite 401

Greensboro, NC 27407-3838

ND Fargo Field Office (701) 239-5136 Region VIII

657 2nd Avenue North Fax (701) 239-5249 Denver CO

Room 366

Fargo, ND 58108

NE Omaha Field Office (402) 492-3101 Region VII

Edward Zorinsky Federal Building Fax (402) 492-3150 Kansas City KS 1616 Capitol Avenue

Suite 329

Omaha, NE 68102-4908

NH Manchester Field Office (603) 666-7510 Region I

Norris Cotton Federal Building Fax (603) 666-7667 Boston MA 275 Chestnut Street

4th Floor

Manchester, NH 03101

NJ Newark Field Office (973) 622-7900 Region II

One Newark Center Fax (973) 645-2323 New York NY

13th Floor

Newark, NJ 07102-5260 State Office Name/Address Phone/Fax Region/Regional

Office

Camden Field Office (856) 757-5081 Region II

Bridgeview Building 2nd floor Fax (856) 757-5373 New York NY 800-840 Cooper Street

Camden, NJ 08102-1156

NM Albuquerque Field Office (505) 346-6463 Region VI

625 Silver Avenue SW Fax (505) 346-6704 Ft. Worth TX Suite 100

Albuquerque, NM 87102

NV Las Vegas Field Office (702) 366-2100 Region IX

300 S. Las Vegas Blvd. Fax (702) 388-6244 San Francisco CA Suite 2900

Las Vegas, 89101-5833

Reno Field Office (775) 824-3700 Region IX

745 West Moana Lane Fax (775) 824-4978 San Francisco CA Suite 360

Reno, Nevada 89509-4932

NY New York Regional Office (212) 264-8000 Region II

26 Federal Plaza Fax (212) 264-3068 New York NY

Suite 3541

New York, NY 10278-0068

Albany Field Office (518) 464-4200 Region II

52 Corporate Circle Fax (518) 464-4300 New York NY

Albany, NY 12203-5121

Buffalo Field Office (716) 551-5755 Region II

Lafayette Court Fax (716) 551-5752 New York NY

2nd Floor

465 Main Street

Buffalo, NY 14203-1780

Syracuse Field Office (315) 477-0616 Region II

128 E. Jefferson Street Fax (315) 477-0196 New York NY Syracuse, NY 13202

OH Columbus Field Office (614) 469-2540 Region V

200 North High Street Fax (614) 469-2432 Chicago IL

Columbus, OH 43215-2463

Cincinnati Field Office (513) 684-3451 Region V

632 Vine St. Fifth Floor Fax (513) 684-6224 Chicago IL

Cincinnati, OH

45202 State Office Name/Address Phone/Fax Region/Regional

Office

Cleveland Field Office (216) 522-4058 Region V

1350 Euclid Avenue Fax (216) 522-4067 Chicago IL

Suite 500

Cleveland, OH 44115-1815

OK Oklahoma City Field Office (405) 609-8509 Region VI

301 NW 6th Street Fax (405) 609-8588 Ft. Worth TX

Suite 200

Oklahoma City, OK 73102

Tulsa Field Office (918) 292-8900 Region VI

Williams Center Tower II Fax (918) 292-8993 Ft. Worth TX 2 West Second Street

Suite 400

Tulsa, OK 74103

OR Portland Field Office (971) 222-2600 Region X

400 SW 6th Avenue Fax (971) 222-0357 Seattle

Suite700

Portland, OR 97204-1632

PA Philadelphia Regional Office (215) 656-0500 Region III

The Wanamaker Building Fax (215) 656-3445 Philadelphia PA 100 Penn Square, East

Philadelphia, PA 19107-3380

Pittsburgh Field Office (412) 644-6428 Region III

William Moorhead Federal Fax (412) 644-4240 Philadelphia PA Building

1000 Liberty Avenue, Suite 1000

Pittsburgh, PA 15222-2515

PR San Juan Field Office (787) 766-5400 Region IV

235 Federico Costa Street Fax (787) 766-5995 Atlanta GA Suite 200

San Juan, PR 00918

RI Providence Field Office (401) 277-8300 Region I

121 South Main Street Fax (401) 277-8398 Boston MA

Suite 300

Providence, RI 02903-7104

SC Columbia Field Office (803) 765-5592 Region IV

1835 Assembly Street Fax (803) 253-3043 Atlanta GA

13th Floor

Columbia, SC 29201-2480 State Office Name/Address Phone/Fax Region/Regional

Office

SD Sioux Falls Field Office (605) 330-4223 Region VIII

4301 West 57th Street Fax (605) 330-4428 Denver CO

Suite 101

Sioux Falls, SD 57108

TN Nashville Field Office (615) 736-5600 Region IV

235 Cumberland Bend Fax (615) 736-7848 Atlanta GA

Suite 200

Nashville, TN 37228-1803

Knoxville Field Office (865) 545-4370 Region IV

710 Locust Street, SW Fax (865) 545-4569 Atlanta GA

Suite 300

Knoxville, TN 37902-2526

Memphis Field Office (901) 544-3367 Region IV

200 Jefferson Avenue Fax (901) 544-3697 Atlanta GA

Suite 300

Memphis, TN 38103-2389

TX Ft. Worth Regional Office (817) 978-5965 Region VI

801 Cherry Street, Unit #45 Fax (817) 978-5567 Ft. Worth TX Suite 2500

Ft. Worth, TX 76102

Dallas Field Office (214) 767-8300 Region VI

525 Griffin Street Fax (214) 767-8973 Ft. Worth TX

Room 860

Dallas, TX 75202-5032

Houston Field Office (713) 718-3199 Region VI

1301 Fannin

Fax (713) 718-3225 Ft. Worth TX

Suite 2200

Houston, TX 77002

Lubbock Field Office (806) 472-7265 Region VI

1205 Texas Avenue Fax (806) 472-7275 Ft. Worth TX

Room 511

Lubbock, TX 79401-4093

San Antonio Field Office (210) 475-6806 Region VI

One Alamo Center Fax (210) 472-6804 Ft. Worth TX

106 South St. Mary's Street

Suite 405

San Antonio, Texas 78205-3625 State Office Name/Address Phone/Fax Region/Regional

Office

UT Salt Lake City Field Office (801) 524-6070 Region VIII

125 South State Street Fax (801) 524-3439 Denver CO

Suite 3001

Salt Lake City, UT 84138

VA Richmond Field Office (804) 771-2100 Region III

600 East Broad Street Fax (804) 822-4984 Philadelphia PA Richmond, VA 23219-4920

VT Burlington Field Office (802) 951-6290 Region I

159 Bank Street Fax (802) 951-6298 Boston MA

2nd Floor

Burlington, VT 05401

WA Seattle Regional Office (206) 220-5101 Region X

909 First Avenue Fax (206) 220-5108 Seattle WA

Suite 200

Seattle, WA 98104-1000

Spokane Field Office (509) 368-3200 Region X

US Courthouse Building Fax (509) 368-3209 Seattle WA 920 W. Riverside, Suite 588

Spokane, WA 99201-1010

WI Milwaukee Field Office (414) 297-3214 Region V

310 West Wisconsin Avenue Fax (414) 297-3947 Chicago IL Room1380

Milwaukee, WI 53203-2289

WV Charleston Field Office (304) 347-7000 Region III

405 Capitol Street Fax (304) 347-7050 Philadelphia PA

Suite 708

Charleston, WV 25301-1795

WY Casper Field Office (307) 261-6250 Region VIII

150 East B Street Fax (307) 261-6245 Denver CO

Room 1010

Casper, WY 82601-1969

Index of Common Program Names

Assisted-Living Conversion Program .. 53 HECM ...................................................42 Bridges to Work ................................. 121 HERA..................................................109 Brownfields Economic Development HOPE for Homeowners..................109

Initiative ........................................... 25 NSP 1..............................................109

Capacity Building for Community HOME Program ....................................13

Development and Affordable Homeownership Voucher Assistance ...73 Housing ............................................ 30 HOPE I................................................121

Choice Neighborhoods......................... 79 HOPE VI...............................................78 Community Development Block Grants Housing Choice Voucher Program .......70

(CDBG)

Housing Opportunities for Persons

Disaster Recovery Assistance............ 7 With AIDS ........................................31 Entitlement......................................... 1 Indian Housing Block Grants................84 For Insular Areas ............................. 11 Interagency Council on Indian ............................................... 83 Homelessness ..................................119 Non-Entitlement for States and Interstate Land Sales ...........................116

Small Cities ................................... 3 Lead Hazard Reduction

Rural Innovation Fund..................... 12 Demonstration Grants .....................111 Section 107 ........................................ 8 Loss Mitigation .....................................38 Section 108 Loan Guarantee.............. 5 Manufactured Home Construction

Competitive EDI Grants....................... 26 and Safety Standards.........................50 Continuum of Care Program ................ 21 Mark-to-Market Program......................65 Dodd-Frank ........................................ 114 Moving to Opportunity for

Emergency Homeowners Loan Fair Housing....................................121

Program ..................................... 114 Moving to Work..................................121

NSP3.............................................. 114 Multifamily Housing Service

Emergency Capital Repairs Program ... 54 Coordinators......................................55 Emergency Solutions Grants (ESG) .... 18 National Housing Trust Fund................15 Empowerment Zones ........................... 27 Native Hawaiian Housing Block Energy Efficient Mortgage Insurance .. 47 Grants ................................................87 Equal Opportunity................................ 94 Neighborhood Reinvestment Fair Housing Act .................................. 89 Corporation .....................................118 Fair Housing Assistance (FHAP)......... 92 Policy Development and Research .......98 Fair Housing Initiatives Program ......... 93 Project-Based Vouchers........................74 Family Self-Sufficiency ....................... 82 Public Housing Capital Fund ................76 FHA-HAMP......................................... 39 Public Housing Neighborhood Ginnie Mae

Networks ...........................................77

Mortgage-Backed Securities I ......... 99 Public Housing Operating Fund............75 Mortgage-Backed Securities II ...... 101 Real Estate Settlement Multiclass Securities...................... 102 Procedures Act ................................116 Platinum Securities ........................ 104 Recovery Act ......................................110

Good Neighbor Next Door................... 46 HPRP ..............................................111 Green Retrofit for Multifamily Native American Housing Block

Housing .......................................... 110 Grants (Competitive) .................112

Healthy Homes Demonstration Native American Housing Block

Grants ............................................. 111 Grants (Formula)........................112

NSP................................................ 110 Section 241............................................62 Public Housing Capital Fund Section 242............................................69

(Competitive) ............................ 113 Section 245(a) ...............................40, 120

Public Housing Capital Fund Section 247............................................48

(Formula) .................................. 113 Section 248............................................49

Renewal Communities ....................... 120 Section 251............................................41 Renewal of Section 8 Project-Based Section 3................................................96

Rental Assistance ............................. 67 Section 32..............................................80

Resident Opportunity and Self- Section 4................................................33

Sufficiency ....................................... 81 Section 8 Moderate Rehabilitation......121

Rural Housing Stability Assistance...... 24 Section 811............................................63 SAFE Act ........................................... 116 Sections 542(b) and 542(c) ...................64 Section 106........................................... 45 Self-Help Homeownership Section 184........................................... 86 Opportunity Program ........................29 Section 184A........................................ 88 Self-Help Housing Property Section 202........................................... 52 Disposition ........................................66 Section 203(b) ...................................... 34 Shelter Plus Care (S+C) ........................16 Section 203(h) ...................................... 35 Single Room Occupancy (SRO) ...........22 Section 203(k) ...................................... 36 Supportive Housing Program................20 Section 204(g) ...................................... 37 Sustainable Communities Initiative ....107 Section 207................................... 56, 120 Tax Credit Assistance Program ..........113 Section 207/223(f)................................ 60 Title I

Section 213........................................... 57 Manufactured Homes Loan Section 220........................................... 58 Insurance ......................................43 Section 221(d) SRO ........................... 120 Property Improvement Loan Section 221(d)(3) and (4) ..................... 59 Insurance ......................................44 Section 223(e) .................................... 120 Title V ...................................................19 Section 231........................................... 61 Title VI..................................................85 Section 232........................................... 68 Title VIII ...............................................89 Section 232/223(f)................................ 68 Urban Scholars Fellowship Program ..121 Section 234(c) .................................... 120 Voluntary Compliance ..........................97 Section 238......................................... 120 Welfare to Work .................................121

Table of Contents

Table of Contents ..................................................................................

Community Planning and Development .................................................................

Community Development Block Grants (Non-Entitlement) for States and Small Cities......3

Community Development Block Grants (Section 108 Loan Guarantee) ..............................5

Community Development Block Grants (Disaster Recovery Assistance).............................7

Community Development Block Grants (Section 107) ...................................................

Community Development Block Grants for Insular Areas................................................

Community Development Block Grants (Rural Innovation Fund)......................................12

The HOME Program: HOME Investment Partnerships.....................................................

Housing Trust Fund .................................................................................

Shelter Plus Care (S+C) ............................................................................

Emergency Shelter Grants (ESG) Program..............................................................

Surplus Property for Use to Assist the Homeless (Title V) ..........................................

Supportive Housing Program..........................................................................

Continuum of Care Program ..........................................................................

Section 8 Moderate Rehabilitation Single Room Occupancy (SRO) Program....................22

Rural Housing Stability Assistance Program .........................................................

Brownfields Economic Development Initiative (BEDI)..................................................

Economic Development Initiative (―Competitive EDI‖) Grants .........................................

Empowerment Zones ..................................................................................

Self-Help Homeownership Opportunity Program (SHOP)..................................................

Capacity Building for Community Development and Affordable Housing ........................30

Housing Opportunities for Persons With AIDS (HOPWA) ................................................

Loan Guarantee Recovery Fund for Church Arson and Other Acts of Terrorism (Section 4)

Federal Housing Administration (FHA) ...............................................................

Mortgage Insurance for Disaster Victims (Section 203(h)) .....................................35

Rehabilitation Loan Insurance (Section 203(k)) .....................................................

Single Family Property Disposition Program (Section 204(g)) ...............................37

Loss Mitigation ....................................................................................

FHA-Home Affordable Modification Program (FHA-HAMP) ...............................39

Graduated Payment Mortgage (GPM) (Section 245(a)) ..........................................40

Adjustable Rate Mortgages (ARMs) (Section 251) .................................................41

Home Equity Conversion Mortgage (HECM) Program (Section 255)....................42

Manufactured Homes Loan Insurance (Title I)........................................................4

Property Improvement Loan Insurance (Title I) ......................................................

Counseling for Homebuyers, Homeowners, and Tenants (Section 106) .................45

Good Neighbor Next Door.............................................................................

Energy Efficient Mortgage Insurance ................................................................

Insured Mortgages on Hawaiian Home Lands (Section 247) ..................................48

Insured Mortgages on Indian Land (Section 248)....................................................49

Risk Management and Regulatory Affairs..............................................................

Multifamily Housing Programs........................................................................

Assisted-Living Conversion Program (ALCP) ........................................................52

Emergency Capital Repairs Program ..................................................................

Multifamily Housing Service Coordinators ...........................................................

Manufactured Home Parks (Section 207) ..............................................................

Cooperative Housing (Section 213) ..................................................................

Mortgage and Major Home Improvement Loan Insurance for Urban Renewal Areas

Multifamily Rental Housing for Moderate-Income Families (Section 221(d)(3) and

Existing Multifamily Rental Housing (Section 207/223(f)) ....................................59