U.S. Department of Housing and Urban Development

PROGRAMS OF HUD

Major Mortgage, Grant, Assistance, and Regulatory Programs

2020

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Table of Contents

Office of the Secretary ...................................................................................................................6

EnVision Center Demonstration ..........................................................................................6

The Violence Against Women Act ......................................................................................7

Community Planning and Development (CPD) ..........................................................................8

Capacity Building for Community Development and Affordable Housing ........................8

Community Development Block Grant Disaster Recovery (CDBG-DR) Assistance .........9

Community Development Block Grants (CDBG) (Entitlement).......................................11

Community Development Block Grants for Insular Areas................................................13

Community Development Block Grants (Non-Entitlement) for States and Small Cities .14

Community Development Block Grants (Section 108 Loan Guarantee) ..........................16

Continuum of Care Program ..............................................................................................18

Emergency Solutions Grants (ESG) Program....................................................................19

Federal Surplus Property for Use to Assist Persons Experiencing Homelessness (Title V)

................................................................................................................................20

Homeless Assistance Programs Previously Authorized under the McKinney-Vento

Homeless Assistance Act .......................................................................................21

HOME Investment Partnerships ........................................................................................23

Housing Opportunities for Persons With AIDS (HOPWA) ..............................................25

Housing Trust Fund ...........................................................................................................26

Rural Capacity Building for Community Development and Affordable Housing Grants

Program ..................................................................................................................27

Rural Housing Stability Assistance Program .....................................................................28

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

Self-Help Housing Property Disposition ...........................................................................30

Federal Housing Administration (FHA) ....................................................................................31

Single-Family Housing Programs ..................................................................................................31

Energy Efficient Mortgage Program ..................................................................................31

Good Neighbor Next Door.................................................................................................32

Home Equity Conversion Mortgage (HECM) (Section 255) ............................................33

Insurance for Adjustable Rate Mortgages (ARMs) (Section 251).....................................34

Insured Mortgages on Hawaiian Home Lands (Section 247) ............................................35

Loss Mitigation ..................................................................................................................36

Manufactured Homes Loan Insurance (Title I) .................................................................37

Mortgage Insurance for Disaster Victims (Section 203(h)) ...............................................38

Mortgage Insurance for One- to Four-Family Homes (Section 203(b)) ............................39

Mortgage Insurance Programs on Indian Reservations and Other Restricted Lands

(Section 248) ..........................................................................................................40

Property Improvement Loan Insurance (Title I) ................................................................41

Rehabilitation Loan Mortgage Insurance (Section 203(k)) ...............................................42

Single Family Property Disposition Program (Section 204(g)) .........................................43

Single Family Distressed Asset Sale Stabilization Program (DASP) ................................44

Risk Management and Regulatory Affairs ....................................................................................45

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Manufactured Home Construction and Safety Standards ..................................................45

Multifamily Housing Programs .....................................................................................................46

Mark-to-Market Program (M2M) ......................................................................................46

Mortgage Insurance for Cooperative Housing (Section 213) ............................................47

Mortgage Insurance for Manufactured Home Parks (Section 207) ...................................48

Mortgage Insurance for Purchase or Refinance of Existing Healthcare and Multifamily

Rental Housing (Sections 207 and 223(f)).............................................................49

Mortgage Insurance for Rental Housing for the Elderly (Section 231) .............................50

Mortgage Insurance for Rental Housing for Urban Renewal and Concentrated

Development Areas (Section 220) .........................................................................51

Mortgage Insurance for Supplemental Loans for Multifamily and Healthcare Projects

(Section 241) ..........................................................................................................52

Multifamily Housing Service Coordinators .......................................................................53

Multifamily Mortgage Risk-Sharing Programs (Sections 542(b) and 542(c)) ..................54

Multifamily Rental Housing for Moderate-Income Families (Section 221(d)(3) and (4))

................................................................................................................................55

Renewal of Section 8 Project-Based Rental Assistance ....................................................56

Supportive Housing for the Elderly (Section 202) and the Supportive Service

Demonstration ........................................................................................................57

Supportive Housing for Persons with Disabilities (Section 811) and the Section 811

Project Rental Assistance (PRA) program .............................................................59

Healthcare Programs ......................................................................................................................61

Hospitals (Section 242) ......................................................................................................61

New Construction or Substantial Rehabilitation of Nursing Homes, Intermediate Care

Facilities, Board and Care Homes, and Assisted Living Facilities (Section 232) .62

Office of Housing Counseling .......................................................................................................63

Housing Counseling Program ............................................................................................63

Public and Indian Housing (PIH) ...............................................................................................64

Public Housing Programs ..............................................................................................................64

Book-Rich Environments Initiative ...................................................................................64

Choice Neighborhoods.......................................................................................................65

ConnectHomeUSA ............................................................................................................66

Family Self-Sufficiency (FSS) Program ............................................................................67

Housing Choice Voucher Program ....................................................................................68

Jobs Plus Initiative .............................................................................................................71

Moving to Work (MTW) Demonstration ..........................................................................72

Public Housing Neighborhood Networks (NN) Program ..................................................73

Project-Based Voucher Program........................................................................................74

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

Public Housing Operating Fund.........................................................................................77

Resident Opportunity and Self-Sufficiency (ROSS) Service Coordinators Program ........78

Indian Housing Programs ..............................................................................................................79

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Indian Community Development Block Grant (ICDBG) Program ...................................79

Indian Housing Block Grant (IHBG) Program ..................................................................80

Section 184 Indian Home Loan Guarantees Program (Section 184) .................................81

Section 184A Native Hawaiian Housing Loan Guarantee Program (Section 184A) ........82

Native Hawaiian Housing Block Grant (NHHBG) Program .............................................83

Tribal Housing Activities Loan Guarantee Program (Title VI) .........................................84

Fair Housing and Equal Opportunity ........................................................................................85

Equal Opportunity and Nondiscrimination Requirements for HUD-Assisted Programs

(Title VI, Section 504, Americans with Disabilities Act, Section 109, Age

Discrimination Act, and Title IX) ..........................................................................85

Fair Housing Act (Title VIII) .............................................................................................89

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

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

Policy Development and Research (PD&R) ..............................................................................94

Policy Development and Research Initiatives ...................................................................94

Field Policy and Management (FPM) ........................................................................................95

Davis-Bacon and Labor Standards .....................................................................................95

Economic Opportunities for Low- and Very-Low Income Persons (Section 3) ...............96

Government National Mortgage Association (Ginnie Mae) ....................................................97

Ginnie Mae Single-Class Mortgage-Backed Securities .....................................................97

Ginnie Mae Multiclass Securities ......................................................................................98

Lead Hazard Control and Healthy Homes ..............................................................................100

Temporary Programs ................................................................................................................102

Housing and Economic Recovery Act of 2008 (HERA) .............................................................102

Low Income Housing Tax Credit Pilot (Tax Credit Pilot) ..............................................102

Consolidated and Further Continuing Appropriations Act, 2012 ................................................102

Rental Assistance Demonstration Program (RAD) .........................................................102

Project Rental Assistance Demonstration (PRA Demo) ..................................................103

Consolidated and Further Continuing Appropriations Act, 2015 ................................................103

Tribal HUD-VASH ..........................................................................................................103

Carl Levin and Howard P. “Buck” McKeon National Defense Authorization Act for Fiscal Year

2015..................................................................................................................................104

Veterans Housing Rehabilitation and Modification Pilot Program for Low-Income and

Veterans with Disabilities (VHRMP) ..................................................................104

Fixing America’s Surface Transportation Act .............................................................................104

Energy and Water Conservation Demonstration Program ...............................................104

Consolidated Appropriations Act, 2016 ......................................................................................105

Youth Homelessness Demonstration Program ................................................................105

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Resident Opportunity and Self-Sufficiency (ROSS) for Education Program ..................105

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) ..................................105

Public and Indian Housing Programs ..............................................................................105

Community Planning and Development Programs..........................................................106

Housing Programs ............................................................................................................107

Fair Housing and Equal Opportunity ...............................................................................108

Related Agencies ........................................................................................................................109

NeighborWorks America .................................................................................................109

U.S. Interagency Council on Homelessness ....................................................................110

Inactive Programs ......................................................................................................................111

Community Planning and Development ......................................................................................111

Public and Indian Housing ...........................................................................................................111

Housing/Federal Housing Administration ...................................................................................111

Multifamily Housing Programs .......................................................................................112

Common Program Names .........................................................................................................113

Common Program Names Table ..................................................................................................113

Common Program Names Index ..................................................................................................115

Office of the Secretary

Office of the Secretary

EnVision Center Demonstration

Pilot program for public-private collaboration to improve educational and employment opportunities, health outcomes, and community participation of HUD-assisted households.

Nature of Program: HUD launched the EnVision Center demonstration program in December of 2017. The goal of the EnVision Center Demonstration is to accelerate economic mobility for low income households living in HUD-assisted housing.

In June 2018, HUD designated 17 communities across the nation to develop EnVision Centers, centralized hubs for supportive services focusing on the following four pillars: (1) Economic Empowerment, (2) Educational Advancement, (3) Health and Wellness, and (4) Character and Leadership.

Through the demonstration, HUD aims to increase the number of people who are employed, earning GEDs or enrolling in colleges as well as the number of third graders reading at grade-level. HUD also seeks to increase the number of pre-natal wellness visits, annual physicals, vision and hearing screenings for pre-school aged children, and increase civil engagement, participation in mentoring programs, and two-parent households.

HUD partners with Federal agencies, State and local governments, non-profits, faith-based organizations, corporations, public housing agencies, Indian tribes, tribally designated housing entities, and housing finance agencies, to leverage public and private resources for the benefit of individuals and families living in HUD-assisted housing.

Applicant Eligibility: Eligible communities are those with a mayor or executive elected official who will formally announce commitment to enhance economic mobility and to develop and implement a plan to expand economic mobility. Eligible communities must also be currently participating in one or more Federal place-based initiatives and broadly committed to the vision of Office of American Innovation.

Legal Authority: Section 470 of the Housing and Urban-Rural Recovery Act of 1983 (42

U.S.C. 3542); section 501 of the Housing and Urban Development Act of 1970 (12 U.S.C.

1701z-1); Notice published in the Federal Register on December 12, 2017, at 82 FR 58441.

Information Source: Website: https://www.hud.gov/envisioncenters

Current Status: Active

Office of the Secretary

The Violence Against Women Act

Provides housing protections for victims of domestic violence, dating violence, sexual assault, and stalking in covered housing programs.

Nature of Program: The Violence Against Women Reauthorization Act of 2013 amended the Violence Against Women Act of 1994 (VAWA) to provide housing protections for victims of domestic violence, dating violence, sexual assault, and stalking in many of HUD’s housing programs. HUD’s implementing regulations for VAWA are found in the applicable program regulations and 24 CFR Part 5, Subpart L, Protection for Victims of Domestic Violence, Dating Violence, Sexual Assault, or Stalking (collectively, the VAWA rule). The specific HUD programs that are subject to the VAWA rule are listed in the “covered housing program” definition at 24 CFR 5.2003. In general, the VAWA rule provides that an applicant for assistance or tenant assisted under a covered housing program may not be denied admission to, denied assistance under, terminated from participation in, or evicted from the housing on the basis or as a direct result of the fact that the applicant or tenant is or has been a victim of domestic violence, dating violence, sexual assault, or stalking, if the applicant or tenant otherwise qualifies for admission, assistance, participation, or occupancy. The VAWA rule also requires the establishment of emergency transfer plans for facilitating the emergency relocation of certain tenants who are victims of domestic violence, dating violence, sexual assault, or stalking. For the specific requirements of the VAWA rule, please refer to 24 CFR Part 5, Subpart L, and the applicable program regulations.

Applicant Eligibility: Covered housing programs are: Section 202 Supportive Housing for the

Elderly (12 U.S.C. 1701q); Section 811 Supportive Housing for Persons with Disabilities (42

U.S.C. 8013); Housing Opportunities for Persons With AIDS (HOPWA) program (42 U.S.C.

12901 et seq.); HOME Investment Partnerships (HOME) program (42 U.S.C. 12701 et seq.);

Homeless programs under title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C.

11360 et seq.), including the Emergency Solutions Grants program, the Continuum of Care program, and the Rural Housing Stability Assistance program; Multifamily rental housing under

section 221(d)(3) of the National Housing Act (12 U.S.C. 1715l(d)(3)) with a below-market interest rate (BMIR) pursuant to section 221(d)(5); Multifamily rental housing under section 236

of the National Housing Act (12 U.S.C. 1715z-1); HUD programs assisted under the United

States Housing Act of 1937 (42 U.S.C. 1437 et seq.); specifically, public housing under section 6

of the 1937 Act (42 U.S.C. 1437d), tenant-based and project-based rental assistance under

section 8 of the 1937 Act (42 U.S.C. 1437f), and the Section 8 Moderate Rehabilitation Single

Room Occupancy; the Housing Trust Fund (12 U.S.C. 4568).

Legal Authority: Title VI, Ch. 2, Sec. 41411 of the Violence Against Women Act (34 U.S.C.

12491). Regulations are found at 24 CFR part 5, subpart L and in individual program regulations.

Information Sources: HUD covered housing program offices and local HUD field offices.

Current Status: Active.

Community Planning and Development

Community Planning and Development (CPD)

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 and persons.

Nature of Program: Section 4 of the HUD Demonstration Act of 1993 authorizes HUD to provide assistance through competitive grants to specific 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 match three times the amount of any assistance provided under this section.

Program funds may be used for: (1) training, education, support, and advice to enhance the technical and administrative capabilities of CDCs and CHDOs; (2) loans, grants, (pre)development assistance, or other financial assistance to CDCs and CHDOs to carry out community development and affordable housing activities, including acquisition, construction, or rehabilitation of housing for low- and moderate-income families and persons, and community and economic development activities that create jobs for low-income persons; and (3) other activities as determined by the specific eligible grantees in consultation with the Secretary. Rural capacity building activities are eligible and may receive discretionary funding.

Applicant Eligibility: Although the HUD Demonstration Act of 1993 lists five eligible grantees, recent appropriations acts have limited eligible grantees to the following: Local Initiatives Support Corporation (LISC), Enterprise Community Partners, Inc. (formerly The Enterprise Foundation), and Habitat for Humanity International.

Legal Authority: Section 4 of the HUD Demonstration Act of 1993 (Public Law 103-120,

approved October 27, 1993) (42 U.S.C. 9816 note).

Information Source: Website: For technical assistance, see

https://www.hudexchange.info/section-4-capacity-building/

Current Status: Active.

Community Planning and Development

Community Development Block Grant Disaster Recovery (CDBG-DR) Assistance

Flexible grants typically available to help the most impacted and distressed areas communities recover from Presidentially declared disasters.

Nature of Program: This funding is not permanently authorized. In response to Presidentially declared disasters, Congress may appropriate funding for CDBG-DR grants to rebuild the affected areas and provide crucial seed money to stimulate recovery. Past appropriations have provided funds for necessary expenses for activities authorized under title I of the Housing and Community Development Act of 1974, Public Law 93-383, as amended (42 U.S.C. § 5301 et seq.) related to disaster relief, long-term recovery, restoration of infrastructure and housing, economic revitalization, and mitigation.

HUD publishes allocations and grant requirements in notices in the Federal Register. Generally, CDBG program requirements apply unless modified by an appropriations statute, HUD-established waiver, or alternative requirement; however, fair housing and civil rights requirements may never be waived by HUD. CDBG-DR assistance is also subject to applicable

requirements in 2 CFR Part 200 and some of the requirements of the Robert T. Stafford Disaster Relief and Emergency Assistance Act Public Law 93-288, as amended, 42 U.S.C. 5121 et seq. (Stafford Act) that apply to Federal disaster assistance.

Because CDBG-DR grants fund a broad range of activities, CDBG–DR assistance helps communities and neighborhoods that otherwise might not recover due to limits on other resources. CDBG-DR grants supplement assistance programs administered by the Federal Emergency Management Agency, 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 declared by the President of the United States as major disaster areas pursuant to the Stafford Act. Some appropriations acts have restricted recipients to States and recent CDBG-DR appropriations geographically limited the use of funds to most impacted and distressed areas resulting from major disasters. HUD generally awards noncompetitive, nonrecurring CDBG-DR grants by a formula that considers disaster recovery needs unmet by other Federal disaster assistance programs.

Legal Authority: Public laws making CDBG-DR appropriations (Public Laws 116-20 and 115-

254; Public Laws 115-123, which is subject to certain requirements of Public Laws 116-20, 115-

141and 115-72; Public Law 115-56, which is subject to certain requirements of Public Laws

115-141 and 115-72; and Public Laws 115-31, 114-254, 114-223, 114-113, 113-2, 112-55, 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); provisions of title I of the Housing and Community Development Act of 1974 (42

U.S.C. 5301, et seq.) (made applicable by appropriations acts unless waived); certain provisions

of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5121, et seq.).

Community Planning and Development

Information Sources: HUD field offices.

Websites: For technical assistance, see https://www.hudexchange.info/programs/cdbg-dr/

https://www.hud.gov/hudprograms/disaster-recovery

Current Status: Active.

Community Planning and Development

Community Development Block Grants (CDBG) (Entitlement)

Funding to help metropolitan cities and urban counties meet their housing and community development needs.

Nature of Program: Provides annual grants on a formula basis to entitlement 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, in consultation with local residents, develop their own programs and funding priorities. All CDBG activities must meet at least 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 urgent community development needs. Eligible activities include (1) acquisition of real property; (2) rehabilitation of residential and nonresidential properties; (3) provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; (4) public services; (5) activities relating to energy conservation and renewable energy; (6) clearance; (7) homeownership assistance; and (8) assistance to nonprofits and for-profit businesses for special economic development activities.

To receive its annual CDBG entitlement grant, a grantee must develop and submit to HUD a

Consolidated Plan (which is a jurisdiction’s comprehensive planning document and application for funding under the following Community Planning and Development formula grant

programs: CDBG, HOME Investment Partnerships, Housing Opportunities for Persons With

AIDS (HOPWA), and Emergency Solutions Grants (ESG)). In its Consolidated Plan, the jurisdiction must identify its planned use of funds and the goals for these programs and for affordable housing. The goals then serve as the criteria against which HUD evaluates a jurisdiction's performance under the Plan. CDBG grantees must make several certifications, including that not less than 70 percent of the funds expended over a period specified by the grantee, not to exceed three years, and must be used for activities that benefit low- and moderate-income persons.

Grantee Eligibility: Metropolitan cities and urban counties are eligible. Metropolitan cities are principal cities of Metropolitan Statistical Areas (MSAs) or other cities with populations of at least 50,000. Generally, urban counties are those within MSAs with a population of 200,000 or more (excluding the population of entitlement cities within their boundaries).

Funding Distribution: From each year’s CDBG appropriation that is available for formula distribution, 70 percent is allocated to metropolitan cities and urban counties. Each entitlement grant amount is determined by statutory formula that uses 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.).

CDBG Program regulations are at 24 CFR part 570 and Consolidated Plan Regulations are at 24

CFR part 91.

Community Planning and Development

Information Sources: Local officials and HUD field offices.

Website: For technical assistance, see https://www.hudexchange.info/cdbg-entitlement/

Current Status: Active.

Community Planning and Development

Community Development Block Grants for Insular Areas

Funding to help certain 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, in consultation with local residents, develop their own programs and funding priorities. All CDBG activities must meet at least 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 urgent community development needs. The activities that can be carried out with community development funds include: (1) acquisition of real property; (2) rehabilitation of residential and nonresidential properties; (3) provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; (4) clearance, demolition, and removal of buildings and improvements; (5) homeownership assistance; and (6) assistance to nonprofits and for-profit businesses for special 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: American Samoa, Guam, the U.S. Virgin Islands, and the Commonwealth of the Northern Mariana Islands are eligible recipients. (The Commonwealth of Puerto Rico receives funding under the State CDBG program.)

Funding Distribution: Under section 106(a)(2) of the Housing and Community Development Act of 1974, $7 million of the annual CDBG appropriation is allocated for grants to insular areas.

Legal Authority: Title I, Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.).

CDBG Program regulations are at 24 CFR part 570 and Consolidated Plan Regulations are at 24

CFR part 91.

Information Sources: Local officials and HUD field offices.

Website: For technical assistance, see https://www.hudexchange.info/programs/cdbg-insular-

areas/

Current Status: Active.

Community Planning and Development

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

Funding to help States and units of local government in non-entitlement 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 at least 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 urgent community development needs. 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: (1) acquisition of real property; (2) rehabilitation of residential and nonresidential properties; (3) provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; (4) clearance, demolition, and removal of buildings; homeownership assistance; and (5) assistance to nonprofits and for-profit businesses for special economic development activities.

In 1981, each State was given 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 eligible 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-entitlement counties using statutorily determined formula factors.

Funding Distribution: From each year’s CDBG appropriation available for formula distribution, 30 percent is allocated among the States for use in non-entitlement areas. Each State’s allocation is determined by formula and 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.).

CDBG program regulations are at 24 CFR part 570 and Consolidated Plan regulations are at 24

CFR part 91.

Information Sources: States and HUD field offices.

Websites:

For technical assistance on State-Administered CDBG, see:

https://www.hudexchange.info/programs/cdbg-state/

Community Planning and Development

For technical assistance on Non-Entitlement CDBG Grants in Hawaii, see:

https://www.hudexchange.info/cdbg-hud-administered/

Current Status: Active.

Community Planning and Development

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. Loans may be for terms up to 20 years.

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 historic preservation, or installation of public facilities, (7) acquisition, construction, reconstruction, rehabilitation or installation of public works and sites in colonias, (8) debt service reserves for repayment of the Section 108 loan, (9) payment of fees charged by HUD for the purpose of paying the credit subsidy cost of the loan guarantee, and (10) other related activities, including relocation assistance, demolition and clearance. When determining eligibility, the CDBG rules and requirements apply. In addition, fair housing and civil rights requirements extend to the Section 108 Loan Guarantee Program, and the program does not fall within the exception for contracts of insurance or guaranty.

As with the CDBG program, all projects and activities must meet CDBG’s primary objective (use of 70 percent of CDBG funds, including Section 108 guaranteed loan funds, must benefit low- and moderate-income persons) and at least one of the following national objectives: principally benefit low- and moderate-income persons, aid in eliminating or preventing slums or blight, or meet urgent community development needs.

The applicant pledges its current and future CDBG grant funds as security for the repayment of the guaranteed note. HUD requires additional security for each Section 108 note, which is determined on a case-by-case basis. In recent years, Congress has not made credit subsidy appropriations for the program and has instead directed HUD to collect fees from borrowers to result in a credit subsidy cost of zero for guaranteeing loans. The program regulations establish procedures for the collection of fees when HUD is required or authorized to collect fees from borrowers to cover the credit subsidy cost of guaranteed loans.

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 debt obligation itself, or it may designate a local public agency with the necessary legal authority to do so. States may borrow on behalf of the local governments in non-entitlement communities and apply directly to HUD for loan guarantee assistance if authorized by the appropriations acts or other laws.

Community Planning and Development

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.

Information Sources: HUD field offices.

Website: For technical assistance, see https://www.hudexchange.info/programs/section-108/

Current Status: Active.

Community Planning and Development

Continuum of Care Program

Promotes community-wide commitment to the goal of ending homelessness; provides funding for efforts to quickly re-house homeless individuals and families, while minimizing 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: The Continuum of Care Program (CoC) competitively awards grants for CoC planning costs, Unified Funding Agency costs, acquisition, rehabilitation, new construction, leasing, rental assistance, supportive services, operating costs, Homeless Management Information Systems (HMIS), and project administration costs. CoC program funds can be used for projects under five program components: permanent housing, transitional housing, supportive services only, HMIS, and, for CoCs designated as high-performing communities, homelessness prevention. Recipients or subrecipients must match all grant funds, except for leasing funds, with no less than 25 percent of funds or in-kind contributions from other sources.

Applicant Eligibility: Private nonprofit organizations, States, local governments, instrumentalities of State or local governments, and public housing agencies 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 are at 24 CFR part 578.

Information Sources: HUD field offices.

Websites: For technical assistance, see https://www.hudexchange.info/programs/coc/ and

https://www.hudexchange.info/homelessness-assistance/

Current Status: Active.

Community Planning and Development

Emergency Solutions Grants (ESG) Program

Grants to provide emergency assistance to people who are homeless or at risk of homelessness and help them quickly regain stability in permanent housing.

Nature of Program: Provides grants by formula to States, metropolitan cities, urban counties, and U.S. territories for eligible activities, which generally include essential services related to emergency shelter and street outreach; rehabilitation and conversion of buildings to be used as emergency shelters; operation of emergency shelters; short-term and medium-term rental assistance for individuals and families who are homeless or at risk of homelessness; housing relocation and stabilization services for individuals and families who are homeless or at risk of homelessness; and Homeless Management Information System (HMIS) participation costs. Shelter and Street outreach activities are limited to the greater of 60 percent of the recipient’s fiscal year grant or the amount of Fiscal Year 2010 Emergency Shelter Grant funds the recipient committed to homeless assistance activities. Up to 7.5 percent of a recipient’s fiscal year grant can be used for administrative activities, such as program management, oversight, coordination, and reporting.

Applicant Eligibility: States (including Puerto Rico), metropolitan cities (including District of Columbia), 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: HUD sets aside for allocation to the territories up to 0.2 percent, but not less than 0.1 percent, of the total amount of each appropriation in any fiscal year. The remainder is allocated to States, metropolitan cities, and urban counties as provided in 24 CFR 576.3(b). All recipients must consult with the Continuum(s) of Care operating within the jurisdiction in determining how to allocate ESG funds.

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.

Information Sources: Local HUD field offices.

Website: For technical assistance, see https://www.hudexchange.info/programs/esg/

Current Status: Active.

Community Planning and Development

Federal Surplus Property for Use to Assist Persons Experiencing Homelessness (Title V)

Enables States, local governments, and nonprofit organizations to use suitable and available Federal properties, which are categorized as unutilized, underutilized, excess, or surplus, to assist persons experiencing homelessness.

Nature of Program: HUD collects information from Federal landholding agencies about their unutilized, underutilized, excess, and surplus properties and determines which are suitable for use to assist persons experiencing homelessness. HUD reviews the property information and posts the suitability determination in a weekly Suitability Determination Listing on the HUD Exchange. If a property is listed on the Suitability Determination Listing as suitable and available, eligible applicants have 30 days from the date the suitability determination was posted to notify the Department of Health and Human Services (HHS) of its interest in a property, because HHS is the Federal entity responsible for the conveyance process for the Title V program. If a property is listed on the Suitability Determination Listing as unsuitable, a homeless service provider has 20 days from the date the suitability determination is posted to submit an appeal request to HUD.

Legal Authority: Title V of the McKinney-Vento Homeless Assistance Act of 1987

(42 U.S.C. 11411-11412).

Regulations are at 24 CFR part 581.

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

Information Sources: 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, send inquiries to title5@hud.gov or call HUD’s toll-free number at (800) 927-7588.

Website: For technical assistance, see https://www.hudexchange.info/programs/title-v/

Current Status: Active.

Community Planning and Development

Homeless Assistance Programs Previously Authorized under the McKinney-Vento

Homeless Assistance Act

On May 20, 2009, the Homeless Emergency Assistance and Rapid Transition to Housing

(HEARTH) Act of 2009 (Public Law 111-22, Division B) was signed into law. The HEARTH

Act amended the McKinney-Vento Homeless Assistance Act (McKinney-Vento) (42 U.S.C.

11301 et seq.) by consolidating the Supportive Housing Program and the Shelter Plus Care program into a new program—the Continuum of Care program. It also revised the Emergency Shelter Grants program and renamed it the Emergency Solutions Grants program. It also created the Rural Housing Stability Assistance Program and repealed the Section 8 Moderate Rehabilitation for Single Room Occupancy Program. There are no longer any active Supportive Housing Program grants. However, one Shelter Plus Care grant, which will expire 10/31/21 remains, and 13 SRO projects remain, with the last one expiring 9/31/23.

Section 8 Moderate Rehabilitation Single Room Occupancy (SRO) Program: Formerly

authorized under section 441 of McKinney-Vento (Public Law 100-77, title IV, subtitle E, §

441, approved July 22, 1987), HUD entered into annual contributions contracts (ACCs) with public housing agencies (PHAs) in connection with the moderate rehabilitation of residential properties. These PHAs made Section 8 rental assistance payments to participating landlords on behalf of homeless individuals who rent the rehabilitated dwellings. 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. Each unit needs a minimum of $3,000 of eligible rehabilitation to qualify for the program. Existing grants are eligible for renewal under Section 8, as authorized by the Multifamily Assisted Housing Reform and Affordability Act of 1997

(MAHRA) (42 U.S.C. 1437f note).

Shelter Plus Care (S+C): Formerly authorized under Title IV, subtitle F of McKinney-Vento

(Public Law 110-625, title VIII, subtitle C, pt. 2, § 837, approved November 28, 1990), S+C provided rental assistance for homeless individuals with disabilities and their families, primarily those with serious mental illness, chronic issues 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 served. 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; (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; (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; and (4) Section 8 Moderate Rehabilitation for Single Room Occupancy (SRO) Dwellings provides grants for rental assistance. Existing grants are eligible for renewal under the Continuum of Care Program.

Information Sources: Local HUD field offices.

Community Planning and Development

Website: For technical assistance, see https://www.hudexchange.info/homelessness-

assistance/hearth-act/

Community Planning and Development

HOME Investment Partnerships

Grants to States, units of general local government, and insular areas to implement local housing strategies to increase affordable housing opportunities for low- and very low-income families.

Nature of Program: Participating jurisdictions may use HOME funds for a variety of housing activities, depending on 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 real property acquisition, site improvements, demolition, relocation, for both new construction and rehabilitation projects the costs to meet property standards, including accessibility requirements, 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 funded under the HOME program must serve low- and very low-income families. For rental housing, at least 90 percent of the families benefited each fiscal year must have incomes at or below 60 percent of the HUD-adjusted area median income; the remaining 10 percent of the families benefited each fiscal year 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.

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 eligible community-based nonprofit organizations designated as Community Housing Development Organizations.

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

Funding Distribution: HOME funds are allocated using a formula designed to reflect relative housing need. After applying the statutory set-asides for insular areas, 40 percent of each appropriation is allocated to States, and 60 percent of the funds are 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 sets aside a pool of Community Planning and Development

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 found at 24 CFR part 92 and Consolidated Plan Regulations are at 24 CFR

part 91.

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

Website:

https://www.hud.gov/program_offices/comm_planning/affordablehousing/programs/home

Current Status: Active.

Community Planning and Development

Housing Opportunities for Persons With AIDS (HOPWA)

Formula grants to States and units of general local government, and competitively awarded grants to States, units of general local government, and nonprofit organizations to provide housing assistance and related supportive services to meet the housing needs of low-income persons living with HIV/AIDS and their families.

Nature of Program: The HOPWA 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 and their families. By providing housing assistance and related services, the HOPWA program contributes to housing stability, reduces risks of homelessness, improves health outcomes through increased access to care, and prevents transmission of HIV. Persons living with HIV/AIDS and their families that are low-income (at or below 80 percent of area median income) are eligible for assistance under this program.

Grants may be used to assist various forms of housing, including permanent, emergency, and transitional housing, shared housing arrangements, community residences, and single room occupancy dwellings (SROs). Appropriate supportive services must be provided as part of any HOPWA-assisted housing. Eligible grant activities include housing information services, resource identification; acquisition, rehabilitation, conversion, lease, and repair of facilities to provide housing 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 for housing; technical assistance for community residences; administrative expenses; and supportive services.

Applicant Eligibility: Formula – States and units of general local government, as defined at 24

CFR 574.3. Competitive – States, units of general local government, and nonprofit organizations.

Funding Distribution: Ninety percent of HOPWA funds go toward formula grants to States and localities in eligible Metropolitan Statistical Areas, based on the number of persons living with HIV/AIDS, fair market rents, and poverty data. The other 10 percent of HOPWA funds go toward competitive grants, including HOPWA permanent supportive housing renewal grants.

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.

Information Sources: Office of HIV/AIDS Housing, and local HUD field offices.

Website: For technical assistance, see https://www.hudexchange.info/programs/hopwa/

Current Status: Active.

Community Planning and Development

Housing Trust Fund

Provides funds to States, State-designated entities, and insular areas for the construction, rehabilitation, and preservation of rental homes and for homeownership for extremely low- and very low-income families, including homeless families.

Nature of the Program: The Housing Trust Fund (HTF) provides funding to construct, rehabilitate, and preserve permanent rental and homeownership 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.

In any fiscal year with an aggregate formula allocation under $1 billion, 100 percent of the grant funds must benefit extremely low-income families or families with incomes below the poverty line, whichever is greater. In any fiscal year with an aggregate formula allocation over $1 billion, at least 75 percent of grant funds must benefit extremely low-income families and the remainder must benefit very low-income families.

Eligible activities and expenses include real property acquisition, site improvements and development hard costs, related soft costs, demolition, financing costs, and relocation costs.

HTF-assisted rental housing units must have a minimum affordability period of 30 years. The affordability period for homeownership housing ranges from 10 to 30 years, depending on the amount of the per-unit homeownership assistance.

Applicant Eligibility: Funds are distributed by formula to States as that term is defined in 12 USC 4502, and States may then 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.

Funding Availability: In any fiscal year, funds are to be allocated to provide each State with a minimum grant of $3 million. If in any fiscal year available funding is insufficient to make this minimum allocation to each State, HUD will, through a notice published for public comment, describe an alternative method for allocating the grant funds.

Legal Authority: Section 1338 of the Federal Housing Enterprises Financial Safety and

Soundness Act of 1992 as amended (12 U.S.C. 4568).

Regulations are at 24 CFR part 93 and Consolidated Plan Regulations are at 24 CFR part 91.

Information Source:

Website: For technical assistance, see https://www.hudexchange.info/programs/htf/

Current Status: Active.

Community Planning and Development

Rural Capacity Building for Community Development and Affordable Housing Grants

Program

Grants for high-need rural areas and rural housing development organizations, community development corporations (CDCs), community housing development organizations (CHDOs), local governments, and Indian tribes to obtain financing, training, and technical assistance necessary to undertake effective community development activities.

Nature of Program: The Rural Capacity Building for Community Development and Affordable Housing (Rural Capacity Building) program is intended to fund applicants with demonstrated expertise in affordable housing and community development in high-need rural communities. To obtain a sufficient mix of grantees funded, HUD reserves the right to fund less than the amount requested by any applicant. Adjustments in funding amounts are also intended to obtain a fair distribution of the funds for the provision of capacity building assistance on a national, geographically diverse basis.

Applicant Eligibility: Only national organizations that are 501(c)(3) nonprofits, other than institutions of higher education, can apply for Rural Capacity Building funding. For the purpose of the Rural Capacity Building program, a National Organization must be a single organization that has experience conducting Rural Capacity Building eligible activities with Rural Capacity Building eligible beneficiaries within the last ten years in at least seven Federal HUD regions. Having relevant experience working in one State in a HUD region is sufficient for counting that region towards the seven-region minimum. Eligible beneficiaries are limited to rural housing development organizations, Community Development Corporations (CDCs), Community Housing Development Organizations (CHDOs), local governments and Indian tribes, that serve rural areas. RCB program funds are limited to three eligible activities that include providing training and education, financial assistance, and technical assistance to eligible beneficiaries.

Legal Authority: Further Consolidated Appropriations Act, 2020, Division H, Title II (Pub. L.

116-49, approved December 20, 2019); Consolidated Appropriations Act, 2017, Division K,

Title II, (Public Law 115-31, approved May 05, 2017).

Information Source:

Website: For technical assistance, see https://www.hudexchange.info/programs/rural-capacity-

building/

Current Status: Active.

Community Planning and Development

Rural Housing Stability Assistance Program

Provides re-housing and other help for individuals moving from emergency or transitional shelters to permanent 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.

The Homeless Emergency Assistance and Rapid Transition to Housing Act of 2009 (HEARTH

Act, Public Law 111-22, Division B) consolidated programs under the McKinney-Vento Homeless Assistance Act and created this program to replace the Rural Homelessness Grant program.

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

Legal Authority: Subtitle D of Title IV of the McKinney-Vento Homeless Assistance Act (42

U.S.C. 11408).

Information Sources: Local HUD field offices.

Websites: For technical assistance, see

https://www.hudexchange.info/resources/documents/RuralHousingStabilityAssistanceProgramFa

ctSheet.pdf

Current Status: Inactive. The program has not received any funding, and regulations are under development.

Community Planning and Development

Self-Help Homeownership Opportunity Program (SHOP)

Grants for self-help homeownership housing.

Nature of Program: Under the SHOP program, HUD awards competitive grants to national and regional nonprofit organizations and consortia that have the capacity and experience in providing or facilitating self-help homeownership housing opportunities. Grants must be used by the grantee or its affiliates for eligible expenses related to developing non-luxury housing for families and persons who otherwise would be unable to afford to purchase a home. Homebuyers must be low-income. Eligible uses of grant funds are limited to land acquisition (including financing and closing costs), infrastructure improvements (installing, extending, constructing, rehabilitating, or otherwise improving utilities and other infrastructure), and planning and administration costs (up to 20 percent of the grant amount). Total land acquisition and infrastructure improvement costs cannot exceed an average of $15,000 in SHOP grant funds per unit. Homebuyers must contribute a significant amount of sweat equity toward the construction or rehabilitation of their homes. SHOP also requires community participation through volunteers who assist the homebuyers on the construction or rehabilitation of the homes.

Applicant Eligibility: National and regional nonprofit organizations and consortia with experience in providing or facilitating self-help homeownership housing, involving a significant contribution of homebuyer sweat equity and volunteer labor, may apply. Applicants must have completed at least 30 units of self-help homeownership housing within the last 24 months in an area consisting of at least two States.

Legal Authority: Section 11 of the Housing Opportunity Program Extension Act of 1996 (42

U.S.C. 12805 note).

Information Source:

Website: For technical assistance, see https://www.hudexchange.info/programs/shop/

Current Status: Active.

Community Planning and Development

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: A State, a political subdivision or instrumentality of a State, or a nonprofit organization that exists for the primary purpose of providing housing or housing assistance for low-income individuals or families.

Legal Authority: 40 U.S.C. 550(f)(3).

Information Sources: Information on a specific property is available from the General Services Administration.

Websites: https://www.hud.gov/hudprograms/shhpd

http://disposal.gsa.gov/PBC#selfhelp

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

Federal Housing Administration (FHA)

Single-Family Housing Programs

Energy Efficient Mortgage Program

Mortgage insurance to finance the cost of energy efficiency measures.

Nature of Program: FHA's Energy Efficient Mortgage program (EEM) helps homebuyers and 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. Improvements are cost-effective when 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 required minimum 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 assessment, 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, approved October 28, 1992) (12 U.S.C. 1701z-16).

Regulations are at 24 CFR 203.18(i).

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/eem/energy-r

Current Status: Active

Federal Housing Administration – Single-Family Housing Programs

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 a discount.

Nature of Program: The Good Neighbor Next Door program makes homes in designated revitalization areas available to law enforcement officers, teachers, firefighters, and emergency medical technicians prior to the homes being listed for sale to other purchasers. 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 participants may apply for an FHA-insured mortgage with a down payment of only $100. If the home needs repairs, the purchaser may also use FHA’s Section 203(k) mortgage program. See the Rehabilitation Loan Mortgage Insurance (Section 203(k)) section.

HUD requires the mortgagor to execute a second mortgage and note for the discount amount. No interest or payments are required on this “silent second,” provided the mortgagor fulfills the 36-month occupancy requirement. If the mortgagor defaults, the mortgage may become due and payable.

Applicant Eligibility: An eligible purchaser must be employed as a full-time law enforcement officer, teacher, firefighter, or emergency medical technician, and must certify that he or she intends 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.

Legal Authority: Section 204 of the National Housing Act (12 U.S.C. 1710).

Regulations are at 24 CFR part 291, subpart F.

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

Website: https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot

https://www.hud.gov/program_offices/housing/sfh/nsc/gnndserv

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

Home Equity Conversion Mortgage (HECM) (Section 255)

Mortgage insurance for reverse mortgages that provide borrowers, who are at least 62 years of age, the ability to convert some of the equity in their primary residences into monthly streams of income or lines of credit.

Nature of Program: Reverse mortgages provide a financing alternative for qualified elderly homeowners. Lenders who are authorized to originate loans under the Direct Endorsement (DE) program must submit acceptable test cases to be approved to originate HECMs.

Borrowers may choose either a fixed rate or adjustable rate HECM. All borrowers, regardless of the interest rate type selected, may only access the greater of 60 percent of the initial principal limit or mandatory obligations plus 10 percent of the initial principal limit during the first twelve-month period of the HECM.

Borrowers have several obligations after the loan closes, including occupancy requirements, payments of certain property and insurance charges, and property maintenance. 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. Unless the HECM is due and payable for other reasons, the borrower cannot be forced to sell the home to pay off the mortgage balance, even if the mortgage balance grows to exceed the value of the property.

Applicant Eligibility: All borrowers must be at least 62 years of age, occupy the property as a principal residence, have financial resources to continue to make timely payment of ongoing property charges, and have participated in a mandatory HECM counseling session given by an HUD-approved HECM counselor. Any existing liens on the property must be paid off at settlement of the reverse mortgage. Borrowers must not be delinquent on any Federal debt or a repayment plan must have been established by the borrower.

Legal Authority: Section 255 of the National Housing Act (12 U.S.C. 1715z-20).

Regulations are at 24 CFR part 206.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/hecm/hecmabou

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

Insurance for Adjustable Rate Mortgages (ARMs) (Section 251)

Mortgage insurance for adjustable rate forward 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 borrower and lender. This product is subject to all requirements of the Section 203(b) program (Mortgage Insurance for One- to Four-Family Homes), FHA’s basic mortgage insurance program.

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 1, 3, 5, 7, or 10 years of the mortgage. The interest rate for 1-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. These disclosures must include the requirements of Section III.A.3.a.iv(A)(1) of the FHA Single Family Policy Handbook 4000.1, and for mortgages originated on or after January 10, 2015, the requirements of § 203.49.

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.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/ins/251--df

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

Insured Mortgages on Hawaiian Home Lands (Section 247)

Insures loans to Native Hawaiians to purchase one- to four-family dwellings located on Hawaiian Home Lands, similar to Section 203(b) loans with certain exceptions.

Nature of Program: FHA’s mortgage insurance provides opportunities to low- to moderate-income Native Hawaiians1 to purchase a home on Hawaiian Home Lands. Because a mortgage on Hawaiian Home Land property is taken on a homestead lease granted by the Department of Hawaiian Home Lands, many lenders have been reluctant to finance housing on Hawaiian Home Lands. 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 down payment requirements and flexible underwriting standards increase the ability of Native Hawaiians to meet the requirements for the loan.

Applicant Eligibility: Native Hawaiians 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.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/ins/sfh_hawaiian_home_lands

Current Status: Active.

1 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).

Federal Housing Administration – Single-Family Housing Programs

Loss Mitigation

Measures that allow lenders to effectively work with delinquent borrowers of FHA single-family loans to find solutions to avoid foreclosure.

Nature of Program: FHA’s Loss Mitigation delegates to lenders both the authority and the responsibility to utilize certain actions and strategies to assist borrowers in default or imminent default to avoid foreclosure and, thereby, reduce losses to the insurance fund. There are several different kinds of loss mitigation options. The availability of and requirements for each type will vary according to the borrower’s circumstances and the program under which it is offered.

After evaluating a delinquent mortgagor for informal and formal forbearance plans, FHA’s loss mitigation options must be considered in the following order: (1) special forbearances then (2) FHA Housing Affordable Modification Program (FHA-HAMP) loan modifications. If the borrower is unable or unwilling to support the mortgage debt, lenders/loan 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 lenders/loan servicers to utilize loss mitigation by reimbursing administrative costs (title reports, recording fees) involved in these actions and by paying financial incentives. Though lenders have flexibility in selecting the loss mitigation strategy appropriate for each borrower, participation in the loss mitigation program for lenders is not optional. Prior to initiation of foreclosure, lenders 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 lender.

Applicant Eligibility: Borrowers in default or facing imminent default and who occupy the mortgaged property as a primary residence may be eligible for home retention loss mitigation options offered by their lender.

Legal Authority: Sections 204(a) and 230 of the National Housing Act (12 U.S.C. 1710(a) and

12 U.S.C. 1715u(a)).

Regulations are at 24 CFR part 203.

Information Sources: HUD’s National Servicing Center (Oklahoma City).

Website: https://www.hud.gov/program_offices/housing/sfh/nsc/lossmit

Current Status: Active. Federal Housing Administration – Single-Family Housing Programs

Manufactured Homes Loan Insurance (Title I)

Mortgage insurance for private lending institutions to finance the purchase of a new or used manufactured home.

Nature of Program: By protecting mortgage lenders against the risk of default, HUD encourages lenders to finance manufactured homes, which have traditionally been financed as personal property through comparatively high-interest, short-term consumer installment loans. The program increases the availability of affordable financing and mortgages for buyers of manufactured homes and allows such buyers to finance their home purchase at a longer term and lower interest rate than with conventional loans. The borrower must agree to make the required down payment and meet credit guidelines. The interest rate is negotiated between the borrower and the lender. The borrower pays an upfront insurance premium, along with an annual premium based on the declining balance of the loan. The maximum loan term is 20 years and 32 days from the date of the loan for a manufactured housing loan.

Applicant Eligibility: Any person who meets credit requirements and is able to make the cash investment and the loan payments; however, the home must be the principal residence of the borrower and the borrower must have at least one-half interest in the home.

Legal Authority: Section 2 of Title I of the National Housing Act (12 U.S.C. 1703).

Regulations are at 24 CFR part 201.

Information Source:

Website: https://www.hud.gov/program_offices/housing/sfh/title/manuf14

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

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

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 declared Major Disaster Areas (PDMDAs) 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 previous residences (owned or rented) were located in PDMDAs 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 dwelling 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, a down payment is not required, the borrower is eligible for 100 percent financing, and 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. Lenders also 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 are added to the regular mortgage payment.

Applicant Eligibility: Any person whose home has been destroyed or severely damaged in a PDMDA 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 PDMDA declaration.

Legal Authority: Section 203(h) of the National Housing Act (12 U.S.C. 1709(h)).

Regulations are at 24 CFR part 203.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/ins/203h-dft

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

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

Mortgage insurance for purchasing or refinancing a primary residence.

Nature of Program: Homebuyers may obtain FHA-insured financing from FHA-approved lenders to purchase new or existing one- to four-family homes (including condominium units) with low down payments or to refinance existing debt on such properties. HUD insures loans made by private lenders which are HUD-approved. By insuring lenders against loss, FHA encourages them to invest capital in the home mortgage market. The loan may finance homes in both urban and rural areas.

HUD sets limits on the mortgage amount that may be insured, and FHA publishes updated limits periodically. The current FHA mortgage limit can be found online at HUD’s website and can vary depending on geographic location. Higher limits also exist for two- to four-family properties. The loan limits may 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 lender 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 intending to use the mortgaged property as their primary residence is eligible to apply for an FHA-insured mortgage through FHA-approved lenders.

Legal Authority: Sections 203(b) and 214 of the National Housing Act (12 U.S.C. 1709(b) and

12 U.S.C. 1715d).

Regulations are at 24 CFR part 203.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/ins/203b--df

To locate a HUD-approved lender Website:

https://www.hud.gov/program_offices/housing/sfh/lender/lenderlist

Condominium program website:

https://www.hud.gov/program_offices/housing/sfh/ins/sfh_ins_condominiums

To determine the maximum mortgage amount by county:

https://entp.hud.gov/idapp/html/hicostlook.cfm

Housing Handbooks:

https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

Current Status: Active. Federal Housing Administration – Single-Family Housing Programs

Mortgage Insurance Programs on Indian Reservations and Other Restricted Lands

(Section 248)

Mortgage insurance for loans made to Native Americans to buy, build, or rehabilitate houses on Indian land; fundamentally the same as Section 203(b) loans.

Nature of Program: FHA’s mortgage insurance provides opportunities for low- and moderate-income Native Americans to purchase an existing home (including a manufactured or mobile home, providing it meets certain FHA requirements) or to build a new home in their communities on Indian land. A homeowner who purchases a house under this program can apply for financing through an FHA-approved lending institution.

Because of the complex title issues on Indian land, many lenders have been reluctant to provide financing for 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 lower down payment requirements as compared to the conventional lending market and flexible underwriting standards increase the ability of Native Americans to meet the requirements of section 248 of the National Housing Act.

Applicant Eligibility: Native Americans who meet FHA eligibility requirements, wish to live on Indian land, and intend to use the mortgaged property as their principal residence

Legal Authority: Section 248 of the National Housing Act (12 U.S.C. 1715z-13).

Regulations are at 24 CFR 203.43h.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/ins/sfh248

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

Property Improvement Loan Insurance (Title I)

Mortgage insurance for loans to finance property improvements.

Nature of Program: FHA 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 and 32 days from the date of the loan. Loans on multifamily structures may be as high as $12,000 per unit, but the total for the structure cannot exceed $60,000, and the loan term cannot exceed 20 years and 32 days from the date of the loan. These are fixed-rate loans, for which lenders charge interest at market rates. The interest rates are not subsidized by FHA, although some communities participate in local housing rehabilitation programs that provide reduced-rate property improvement loans through Title I lenders. A property improvement loan on a manufactured home that is classified as real property may be up to $17,500, with the maximum term at 15 years and 32 days from the date of the loan, and property improvement loans on other manufactured homes (not classified as real property) are limited to $7,500, with the maximum term limit at 12 years and 32 days from the date of the loan. FHA insures private lenders against the risk of default for up to 90 percent of any single loan. The annual premium for this insurance is 1.00 percent of the amount advanced multiplied by the number of years of the loan; although this fee may be charged to the borrower separately, it is sometimes covered by a higher interest charge.

Applicant Eligibility: To be eligible for a property improvement loan (other than a manufactured home improvement loan), the borrower must have at least a 50 percent ownership in the property to be improved. To be eligible for a manufactured home improvement loan, the borrower must have at least a 50 percent interest in the manufactured home, and the home must be the principal place of 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.

Information Source: Website: https://www.hud.gov/program_offices/housing/sfh/title/title-i

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

Rehabilitation Loan Mortgage Insurance (Section 203(k))

Mortgage insurance to finance the rehabilitation or purchase and rehabilitation of one- to four-family structures.

Nature of Program: This is HUD’s primary program for the rehabilitation and repair of single-family properties. 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. While the maximum repair threshold has been eliminated, the total loan amount must still fall within the FHA mortgage limit for the area. The loan amount is limited by the lesser of (1) the value of the property before rehabilitation plus the cost of rehabilitation, or (2) 110 percent of the appraised value of the property after rehab. In certain circumstances, a unit of local government may be able to demonstrate to the Commissioner that the loan limitations should not apply.

The Streamlined 203(k) Limited Repair program permits homebuyers to finance up to $35,000 into their mortgage for simple home improvements. Unlike the standard 203(k) insurance program, the Streamlined 203(k) does not require oversight by a 203(k) consultant. With this product, homebuyers can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or FHA appraiser.

Applicant Eligibility: All homeowners that can make the monthly mortgage payments are eligible to apply. Cooperative units are not eligible. Currently, individual condominium units may be insured if they are in projects that have been approved by FHA and there are 4 or fewer units in the building. To be eligible, the property must be a one- to four-family dwelling that has been completed for at least one year. There are other eligibility requirements for the use of the 203(k) loan in a condominium unit.

Legal Authority: Section 203(k) of the National Housing Act (12 U.S.C. 1709(k)).

Regulations are in 24 CFR 203.50.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/sfh/203k/203k--df

https://www.hud.gov/program_offices/housing/sfh/203k

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

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

Disposes of one- to four-family properties acquired by FHA through foreclosure of an insured or Secretary-held mortgage loan under the National Housing Act.

Nature of Program: This program disposes of FHA-acquired single-family properties containing one to four units in a manner that expands homeownership opportunities, strengthens neighborhoods and communities, and seeks a maximum return to the mortgage insurance funds. Listings of properties in inventory are available on the HUD Home Store website. Individual parties may submit an offer through the HUD Home Store website or a real estate broker registered with HUD. Nonprofit and government entities may purchase properties at a discount 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 are eligible for special programs, 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.

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

For listings of properties in inventory: http://www.hudhomestore.com/Home/Index.aspx

Current Status: Active.

Federal Housing Administration – Single-Family Housing Programs

Single Family Distressed Asset Sale Stabilization Program (DASP)

Servicers assign eligible, defaulted single-family mortgage loans to FHA in exchange for claim payment, after which FHA terminates its insurance and pools and sells the loans either in competitive auctions to qualified bidders or, on a limited basis, directly to units of State and local government.

Nature of Program:

FHA’s Single-Family Loan Sales program began in 2010 and was renamed to Single-Family Distressed Asset Sale Stabilization Program (DASP) in 2012. DASP sales have had a national scope or have been focused on a State or Metropolitan Statistical Area(s) level, with a neighborhood stabilization focus.

To participate in DASP, an FHA servicer may submit loans for a sale if certain eligibility criteria are met, including that the borrower is delinquent on their mortgage for the period set forth in the DASP contract documents, and the servicer has exhausted all steps in the FHA loss mitigation process.

Generally, DASP loans are sold competitively at a discount, which may give the purchaser the financial flexibility to pursue foreclosure avoidance measures, including offering modifications with more affordable terms, that would have been otherwise unavailable. In addition, the sales contract requires a delay in foreclosure for a period after purchase, providing a time during which the purchaser and borrower may find a solution to avoid foreclosure.

Applicant Eligibility: Interested purchasers must satisfy HUD’s qualification requirements, as set forth in the applicable DASP Qualification Statement.

Legal Authority: Sections 204(a) and (g) of the National Housing Act (12 U.S.C. 1710).

Regulations are at 24 CFR part 291.

Information Sources: HUD’s Office of Asset Sales.

Website: https://www.hud.gov/sites/documents/FINAL_DASP_FACT_SHEET.PDF

For asset loan sales information:

https://www.hud.gov/program_offices/housing/comp/asset/hsgloan

Current Status: Active.

Federal Housing Administration – Risk Management and Regulatory Affairs

Risk Management and Regulatory Affairs

Manufactured Home Construction and Safety Standards

Federal standards for design, construction, and installation of manufactured homes to assure the quality, durability, safety, and affordability of manufactured homes.

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 through 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. HUD also provides a dispute resolution program to help resolve disputes between manufacturers and homeowners.

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.

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) (42 U.S.C. 5425 has been repealed).

Regulations are at 24 CFR parts 3280, 3282, 3284, 3285, 3286, 3288, and 3800.

Information Source: Website:

https://www.hud.gov/program_offices/housing/rmra/mhs/mhshome

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Multifamily Housing Programs

Mark-to-Market Program (M2M)

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

Nature of Program: The Mark-to-Market (M2M) program is 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. M2M reduces rents to market levels and HUD restructures existing debt to levels supportable by these rents. The multifamily projects involved are projects with (1) FHA-insured or previously FHA-insured, now Secretary-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 previously FHA-insured, now Secretary-held financing so that the monthly payments on the modified or new 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 M2M program also offers financial incentives to owners through the Green Initiative to rehabilitate properties sustainably (such as making water and energy efficient improvements and using sustainable building materials and products to achieve reduced water and energy consumption). The restructured project is subject to long-term use and affordability restrictions.

Legal Authority: Multifamily Assisted Housing Reform and Affordability Act of 1997 (42

U.S.C. 1437f note).

Regulations are at 24 CFR parts 401 and 402.

Information Source: Website:

https://www.hud.gov/program_offices/housing/mfh/presrv/presmfh/aboutm2m

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Mortgage Insurance for Cooperative Housing (Section 213)

Mortgage insurance to finance cooperative housing projects.

Nature of Program: FHA 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. Each member shares in the project ownership with the right to occupy a specific unit and participate in project operations by purchasing stock.

Applicant Eligibility: Nonprofit cooperative ownership housing 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.

Information Sources: HUD Multifamily, Regional Centers, and Satellite Offices.

Website: https://www.hud.gov/program_offices/housing/mfh/progdesc/progsec213

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Mortgage Insurance for Manufactured Home Parks (Section 207)

Mortgage insurance to finance construction or rehabilitation of manufactured home parks.

Nature of Program: FHA 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 may apply 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 (for mortgages insured prior to 1996).

Information Sources: HUD Multifamily Hubs, Regional Centers, Satellite Offices, and Program Centers.

Website: https://www.hud.gov/program_offices/housing/mfh/progdesc/homepark207

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Mortgage Insurance for Purchase or Refinance of Existing Healthcare and Multifamily

Rental Housing (Sections 207 and 223(f))

Mortgage insurance for the purchase or refinancing of existing multifamily rental housing.

Nature of Program: FHA insures mortgages under section 207 of the National Housing Act pursuant to section 223(f) of the Act to purchase or refinance existing multifamily and healthcare 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 with complete kitchens and baths, and construction or substantial rehabilitation must have been completed for at least three years before applying.

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

Legal Authority: Sections 207 and 223(f) of the National Housing Act (12 U.S.C. 1713 and 12

U.S.C. 1715n(f)).

Regulations are at 24 CFR part 200, subpart A, and part 207.

Information Sources: HUD Multifamily Hubs, Regional Centers, Satellite Offices, and Program Centers.

Website: https://www.hud.gov/program_offices/housing/mfh/progdesc/purchrefi223f

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Mortgage Insurance for Rental Housing for the Elderly (Section 231)

Mortgage insurance to finance the construction or rehabilitation of multifamily 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 persons with disabilities, FHA insures mortgages made by private lending institutions to build or rehabilitate multifamily projects consisting of eight or more units. FHA 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 persons who are elderly (62 or older) and/or persons with disabilities, and their families, 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.

Information Sources: HUD Multifamily Hubs, Regional Centers, Satellite Offices, and Program Centers.

Website: https://www.hud.gov/program_offices/housing/mfh/progdesc/progsec231

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Mortgage Insurance for Rental Housing for Urban Renewal and Concentrated

Development Areas (Section 220)

Mortgage insurance for housing in urban renewal areas, areas in which concentrated revitalization or code enforcement activities have been undertaken by local government, or to alter, repair, or improve housing in those areas.

Nature of Program: FHA 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. Insured mortgages may be used to finance construction or rehabilitation of detached, semidetached, row, walk-up, or elevator-type rental housing or to finance the purchase of properties that have been rehabilitated by a local public agency. Properties must consist of two or more units and be located in an urban renewal area, urban development project, code enforcement program area, urban area receiving rehabilitation assistance as a result of natural disaster, or area where concentrated housing, physical development, or public service activities are being carried out in a coordinated manner.

The program has statutory mortgage limits, which may vary according to the size of the unit, the type of structure, and the location of the project. There are also loan-to-replacement cost and debt service limitations. The maximum amount of the mortgage loan may not exceed 90 percent of the estimated replacement cost for new construction. For substantial rehabilitation projects, the maximum mortgage amount is 90 percent of the estimated cost of repair and rehabilitation and the estimated value of the property before the repair and rehabilitation project. The maximum mortgage term is 40 years, or not in excess of 75 percent of the remaining economic life of the project, whichever is less.

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.

Information Sources: HUD Multifamily Hubs, Regional Centers, Satellite Offices, and Program Centers.

Website: https://www.hud.gov/program_offices/housing/mfh/progdesc/progsec220

Current Status: Active

Federal Housing Administration – Multifamily Housing Programs

Mortgage Insurance for Supplemental Loans for Multifamily and Healthcare Projects

(Section 241)

Mortgage insurance to finance improvements and additions to, and equipment for, multifamily rental housing and healthcare facilities.

Nature of Program: FHA insures loans made by lenders to pay for improvements or additions to apartment projects, nursing homes, and residential care facilities including assisted living, intermediate care facilities, and board and care facilities, as well as hospitals, or group-practice facilities that already carry FHA-insured or FHA-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.

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.

Information Sources: HUD Multifamily Hubs, Regional Centers, Satellite Offices, and Program Centers for rental projects; Office of Healthcare Programs for healthcare facilities.

Website: https://www.hud.gov/program_offices/housing/mfh/progdesc/progsec241a

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Multifamily Housing Service Coordinators

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. HUD provides funding through either: (1) a national competition with other properties for a limited amount of grant funding, or (2) budget-based funding utilizing the development’s residual receipts or excess income.

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. 8011) and Subtitle E of Title VI of the Housing and Community Development Act of

1992 (42 U.S.C. 13631 et seq.) (Public Law 102-550). Program management must be in

accordance with OMB’s Uniform Guidance regulations at 2 CFR part 200.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/mfh/scp/scphome

Current Status: Active. Current grantees are eligible for renewals, but no new grants are being made.

Federal Housing Administration – Multifamily Housing Programs

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: Under the multifamily mortgage risk-sharing programs, HUD is authorized to enter into reinsurance agreements with Fannie Mae, Freddie Mac, qualified financial institutions (QFIs), and the Federal Housing Finance Board. Section 542(b) generally provides for risk-sharing on a 50-50 basis. Currently, only Fannie Mae and Freddie Mac have active risk-sharing programs which encourage the development and preservation of affordable housing. This program was developed as a demonstration program to test innovative mortgage insurance and reinsurance products to provide affordable multifamily housing through a partnership between the Qualified Participating Entities (QPEs) and HUD. A QPE and/or its approved lenders may originate and underwrite affordable housing loans. If there is a default, the QPE will pay all costs associated with loan disposition and will seek reimbursement from HUD. The HUD risk share will be 50 percent pro rata. HUD’s mortgage credit enhancements are used to support the underwriting and production strengths of Fannie Mae, Freddie Mac, and other qualified Federal, State, and local public financial and housing institutions.

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 affordable multifamily housing loans through a system of risk-sharing agreements. Agreements provide for risk-sharing between ten percent and 90 percent.

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

Applicant Eligibility: Qualified Participating Entities and Housing Finance Agencies.

Legal Authority: Section 542 of the Housing and Community Development Act of 1992 (12

U.S.C. 1715z-22).

Regulations are at 24 CFR part 266 for the Section 542(c) program. Section 542(b) is

implemented through a Federal Register notice and negotiated agreements without regulations.

Information Sources: For Section 542(c), State housing finance agencies.

Websites: https://www.hud.gov/program_offices/housing/mfh/progdesc/progsec542b

https://www.hud.gov/program_offices/housing/mfh/progdesc/riskshare542c

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

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 newly constructed or substantially rehabilitated multifamily rental housing.

Nature of Program: FHA 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. Single Room Occupancy 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 costs in the case of new construction under Section 221(d) public, nonprofit and cooperative mortgagors, but only up to 90 percent under Section 221(d)(4), irrespective of the type of mortgagor. Beginning in Fiscal Year 2013, HUD suspended the Section 221(d)(3) program unless the project to be financed also receives Low Income Housing Tax Credits (LIHTC).

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

Legal Authority: Section 221 of the National Housing Act (12 U.S.C. 1715l).

Regulations are at 24 CFR part 200, subpart A, and part 221, subparts C and D.

Information Sources: Websites:

https://www.hud.gov/program_offices/housing/mfh/progdesc/rentcoophsg221d3n4

https://www.hud.gov/program_offices/housing/mfh/progdesc/progsec221d4

Current Status: Active.

Federal Housing Administration – Multifamily Housing Programs

Renewal of Section 8 Project-Based Rental Assistance

Assistance for extremely low-, low- and very low-income families to obtain 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, ten percent of gross income, or the portion of welfare assistance designated for housing.

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 assistance.

Applicant Eligibility: Owners are limited by statute to any private person or entity, including a cooperative, an agency of the Federal government, or a public housing agency, having the legal right to lease or sublease the dwelling units. The income eligibility requirements limit occupancy to very low-income families (i.e. families whose incomes do not exceed 50 percent of the area median income), which includes extremely low-income families (i.e. families whose income does not exceed 30 percent of the area median income). A limited number of available units may be rented to low-income families (i.e. families whose incomes do not exceed 80 percent of area median income).

Legal Authority: For the renewal of Section 8 project-based assistance, see sections 515 and

524 of the Multifamily Assisted Housing Reform and Affordability Act of 1997 (42 U.S.C.

1437f note) and 24 CFR parts 401 and 402. For Section 8 requirements, see Section 8

regulations at 24 CFR parts 5, 880, 881, 882, 883, 884, 886, 888, and part 891 subpart E.

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/housing/mfh/mfhsec8

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.

Federal Housing Administration – Multifamily Housing Programs

Supportive Housing for the Elderly (Section 202) and the Supportive Service

Demonstration

Capital advances and contracts for project rental assistance to expand the supply of affordable housing with voluntary supportive services for very low-income elderly persons and funding for enhanced services and research on the supportive services model.

Nature of Program: To expand affordable housing with voluntary supportive services for very low-income elderly persons, the Section 202 program provides capital advances and project rental assistance contracts to eligible applicants. Section 202 capital advance funds must be used to finance housing development through new construction, rehabilitation, or acquisition with or without rehabilitation. Capital advance funds may be used in combination with other non-Section 202 funding sources leveraged by a single purpose and single-asset for-profit limited partnership (of which a private nonprofit organization or a corporation wholly owned and controlled by a private nonprofit organization is the sole general partner) to develop a mixed-finance project. Capital advance funds bear no interest and repayment is not required so long as the housing remains available for occupancy by very low-income elderly persons for at least 40 years.

To obtain affordability, project rental assistance funds are provided to cover the difference between the HUD-approved operating costs and the amount the residents pay (each resident pays 30 percent of adjusted income). Project rental assistance contracts are approved initially for three years and are renewable based on funding availability. Project rental assistance funds may also be used to provide supportive services and to hire a service coordinator. The supportive services must be appropriate to the varying needs of the elderly residents and must allow for persons to age-in-place and live independently.

The Supportive Services Demonstration for Elderly Households in HUD-Assisted Multifamily Housing makes funding available for private owners and agents to provide enhanced service coordination (through a Resident Wellness Director and Wellness Nurse) to low-income persons and to participate in a research study. The funds will cover the costs of the Resident Wellness Director and Wellness Nurse for three years to coordinate health and social services for persons aged 62 and older. At least 80 owner participants are provided a modest financial incentive to assist with the rigorous evaluation associated with the study.

Applicant Eligibility: For the Section 202 program, 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 for Section 202 projects 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) and the

Consolidated Appropriations Act, 2014 (Public Law 113-76, approved January 17, 2014).

Regulations are at 24 CFR part 891.

Information Sources: HUD field offices. Federal Housing Administration – Multifamily Housing Programs

Websites: https://www.hud.gov/program_offices/housing/mfh/progdesc/eld202

https://www.hud.gov/program_offices/housing/mfh/grants/section202ptl

Current Status: Capital advances for section 202 projects are currently funded on an annual

basis through appropriations acts (see the Consolidated Appropriations Act, 2019 (Public Law

116-6, approved February 15, 2019), and the Further Consolidated Appropriations Act, 2020

(Public Law 116-94)).

Federal Housing Administration – Multifamily Housing Programs

Supportive Housing for Persons with Disabilities (Section 811) and the Section 811 Project

Rental Assistance (PRA) program

Assistance for housing and voluntary supportive services for persons with disabilities, and promotion of community integration for low- and extremely low-income persons with disabilities.

Nature of Program: The Section 811 program provides supportive housing for very low- and extremely low-income persons with disabilities that allow them to live independently with the availability of voluntary support activities such as cleaning, cooking, transportation, etc. 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 controlled by a nonprofit organization to finance the development of rental housing with 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- or extremely low-income persons with disabilities for at least 40 years. For any multifamily housing project containing any unit for which assistance is provided from a capital grant made after January 4, 2011, the aggregate number that are used for persons with disabilities, including supportive housing for persons with disabilities, or to which any occupancy preference for persons with disabilities applies, may not exceed 25 percent of the total number of units.

Under the Section 811 PRA program, HUD also provides project rental assistance to State housing agencies, which covers the difference between the HUD-approved operating cost of the project and the tenants’ contributions toward rent. PRA funds are awarded to State housing agencies that set aside units in affordable housing projects whose capital costs are funded through Federal Low-Income Housing Tax Credits, Federal HOME funds, or other State, Federal and local funding sources. No more than 25 percent of the total dwelling units in a multifamily housing project can receive PRA funds, be used for supportive housing for persons with disabilities, or be subject to any occupancy preference for persons with disabilities. State housing agency grantees are required to partner with State Medicaid and health and human services agencies that have developed methods for the identification, outreach, and referral of extremely low-income persons with disabilities to PRA units and provide them access to voluntary long-term services and supports in the community.

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 households composed of one or more very low- and extremely low-income persons with disabilities who are at least 18 years old and less than 62 years of age. For PRA-funded projects, residents must be very low or extremely low-income with at least one adult member with a disability.

Legal Authority: Section 811 of the Cranston-Gonzalez National Affordable Housing Act (42

U.S.C. 8013).

Regulations are at 24 CFR part 891.

Federal Housing Administration – Multifamily Housing Programs

Information Sources: HUD field offices.

Websites: https://www.hud.gov/program_offices/housing/mfh/progdesc/disab811

For technical assistance, see https://www.hudexchange.info/programs/811-pra/

Current Status: Active.

Federal Housing Administration – Healthcare Programs

Healthcare Programs

Hospitals (Section 242)

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

Nature of Program: FHA 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 amount of 90

percent of HUD's estimate of the replacement cost of the hospital, including the equipment to be

used in its operation when the proposed improvements are completed and the equipment is installed, a loan term of 25 years, and a mortgagor contribution to a mortgage reserve fund. Existing hospital projects are also eligible for refinancing under section 223(f) of the National Housing Act.

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).

Regulations are at 24 CFR part 200, subpart A, and part 242.

Information Sources: Office of Hospital Facilities, Office of Healthcare Programs, (877) 458-4342.

Websites:

http://portal.hud.gov/hudportal/HUD?src=/federal_housing_administration/healthcare_facilities

https://www.hud.gov/federal_housing_administration/healthcare_facilities/section_242

http://portal.hud.gov/hudportal/documents/huddoc?id=46151HSGH.pdf

Current Status: Active.

Federal Housing Administration – Healthcare Programs

New Construction or Substantial Rehabilitation of Nursing Homes, Intermediate Care

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

Mortgage insurance to finance the purchase, construction, or rehabilitation of nursing homes, assisted-living, intermediate care, board and care facilities, and fire safety equipment.

Nature of Program: FHA insures mortgages made by private lending institutions to finance construction or renovation of facilities with 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 223(f). Operators of healthcare facilities with Section 232 loans insured on or after October 9, 2012 are subject to new regulations adopted in 2012.

Applicant Eligibility: Proprietary facilities, facilities of non-profit corporations or associations, and, in the case of nursing homes and assisted living, public facilities, that are licensed or regulated by the State to accommodate convalescents and persons requiring skilled nursing care or intermediate care, and which are owned by single-asset owners, 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: Sections 232 (12 U.S.C. 1715w) and 223(f) (12 U.S.C. 1715n(f)) of the National Housing Act.

Regulations are at 24 CFR part 200, subpart A, and part 232.

Information Sources: Office of Residential Care Facilities, Office of Healthcare Programs.

Websites: https://www.hud.gov/federal_housing_administration/healthcare_facilities

https://www.hud.gov/federal_housing_administration/healthcare_facilities/residential_care

Current Status: Active.

Federal Housing Administration – Office of Housing Counseling

Office of Housing Counseling

Housing Counseling Program

Provides regulatory oversight and capacity building to HUD-approved Housing Counseling Agencies and makes grants to facilitate housing counseling services addressing such needs as purchasing or renting a home, foreclosure and eviction, and homelessness.

Nature of Program: The Housing Counseling Program provides grants to HUD-approved counseling agencies and affiliates, and branches thereof to counsel current and prospective homebuyers, homeowners, and tenants. There are three types of counseling agencies: Local Housing Counseling Agencies, Multi-State Organizations, and Intermediaries. Counseling consists of information on the purchase and rental of housing, money management, budgeting, credit counseling, foreclosure or eviction prevention, home maintenance, fair housing laws, and requirements and guidance regarding the Home Equity Conversion Mortgage program requirements. The objective of the counseling is to help homebuyers, homeowners, and tenants to improve their housing conditions and to meet their responsibilities. Counseling and education services can cover the purchase or rental of housing, foreclosure or eviction prevention, home maintenance and financial management for homeowners, homeless assistance, fair housing laws, and requirements and guidance regarding the Home Equity Conversion Mortgage program.

The Office of Housing Counseling also certifies housing counselors; develops standards, materials, and training for counselor certifications; and certifies software systems for consumers to compare various mortgage products. In addition, a Federal advisory committee assists the Office of Housing Counseling with strategic planning and policy guidance.

Applicant Eligibility: HUD-approved Housing Counseling Agencies, their subgrantees and affiliates, and State housing finance agencies. Housing Counseling Agencies must be approved as 501(c)(3) non-profit tax-exempt organizations and be in operation for at least one year.

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

1701x).

Regulations are at 24 CFR part 214 and part 206, Subpart E.

Information Sources: HUD field offices. To locate a HUD-approved housing counselor in a

specific area, call (800) 569-4287 or go online to http://www.hud.gov/findacounselor.

Website: For technical assistance, see https://www.hudexchange.info/programs/housing-

counseling/program-description/

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Public and Indian Housing (PIH)

Public Housing Programs

Book-Rich Environments Initiative

Collaboration aimed to transform public housing agencies (PHAs) into book-rich environments by providing diverse, high quality books and other literacy tools to children and families living in HUD-assisted housing.

Nature of Program: The Campaign for Grade-Level Reading, the National Book Foundation, the Urban Libraries Council, the U.S. Department of Education, and HUD together are distributing free books to children living in HUD-assisted housing and establishing partnerships with PHAs, libraries, and other partners to deliver ongoing programming to improve educational outcomes of PHA residents. Thirty-six PHAs are in the initial cohort.

The initiative distributes books through partnerships with local public libraries. Participating communities engage local residents and establish and maintain partnerships among the staffs of the local library, the PHA, local and national non-profits and foundations working on literacy, and the children and families living in HUD-assisted housing. Local libraries engage kids and families in ongoing visits and opportunities, encouraging attendance of the book distribution event and the use of the library in general.

Applicant Eligibility: All public housing agencies

Legal Authority: Section 501 of the Housing and Urban Development Act of 1970 (12 U.S.C.

1701z-1).

Information Sources: Websites:

https://www.hud.gov/program_offices/public_indian_housing/bre

https://www.hud.gov/sites/documents/BRE_SUMMARY_032017.PDF

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Choice Neighborhoods

Competitive grant program to transform neighborhoods of poverty into vibrant, mixed-income neighborhoods.

Nature of Program: The Choice Neighborhoods program provides competitive Planning Grants and Implementation Grants to enable communities to revitalize struggling neighborhoods with distressed public housing or HUD-assisted housing through a comprehensive approach to neighborhood transformation. Local leaders, residents, and stakeholders, such as public housing authorities, cities, schools, police, business owners, nonprofits, and private developers, create a plan that revitalizes distressed HUD housing and addresses the challenges in the surrounding neighborhood. The program is designed to catalyze critical improvements in neighborhood assets, including vacant property, housing, services, and schools.

The program is focused on three core goals: (1) replacing distressed public and assisted housing with high-quality, mixed-income housing that is responsive to the needs of the surrounding neighborhood; (2) improving outcomes of households living in the target housing related to employment and income, health, and children’s education; and (3) creating the conditions necessary for public and private re-investment in distressed neighborhoods to offer basic neighborhood assets, such as safety, good schools, and commercial activity.

Planning Grants enable local leaders to undertake a comprehensive planning process to develop a Transformation Plan, working closely with housing residents, broader community members, businesses, and a range of local stakeholders. Implementation Grants support communities that have undergone a comprehensive planning process and are ready to implement their Transformation Plans.

Applicant Eligibility: Local governments, tribal entities, PHAs, and non-profit organizations may apply. For-profit developers may apply jointly with a public entity. A unit of local government must be either the Lead Applicant or the Co-Applicant.

Legal Authority: Consolidated Appropriations Act, 2018 (Public Law 115-141, approved

March 23, 2018); Section 24 of the United States Housing Act of 1937 (42 U.S.C. 1437v).

Information Source: Website: https://www.hud.gov/cn

Current Status: Active.

Public and Indian Housing – Public Housing Programs

ConnectHomeUSA

Platform for public-private collaboration to improve educational, employment and health outcomes of HUD-assisted households by narrowing the digital divide.

Nature of Program: HUD launched the ConnectHome demonstration program in July of 2015, in partnership with the nonprofit EveryoneOn, a 501(c)(3) nonprofit whose mission it is to narrow the digital divide. The early focus of ConnectHome was to close the “homework gap” in the 28 communities selected for participation. These communities span the entire country, including metropolitan areas, cities, counties, and a tribal nation.

ConnectHome will be expanding to an additional 100 communities by 2021, with the potential impact of connecting 350,000 residents. The expansion of ConnectHome will continue to focus on closing the homework gap but will also emphasize connecting all residents to the Internet, regardless of age, race, geography, income, or education level. This is accomplished by working to make high-speed, low-cost Internet service and computers, and free digital literacy courses accessible to all unconnected Americans.

Applicant Eligibility: All public housing agencies and multifamily property owners housing HUD-assisted residents.

Legal Authority: Section 501 of the Housing and Urban Development Act of 1970 (12 U.S.C.

1701z-1); Notice published in the Federal Register on April 3, 2015, at 80 FR 18248.

Information Source: Website: https://connecthomeusa.org/

Current Status: Active

Public and Indian Housing – Public Housing Programs

Family Self-Sufficiency (FSS) Program

Promotes the development of local strategies to coordinate public and private resources that help housing choice voucher program participants, public housing tenants, and tenants in the Section 8 Project-Based Rental Assistance program obtain employment that will enable participating families to achieve economic independence and reduce dependence on welfare assistance and rental subsidies.

Nature of Program: The FSS program is administered by public housing agencies (PHAs) or tribes/tribally designated housing entities (TDHEs) that administer FSS programs with the help of program coordinating committees (PCCs). Owners of a multifamily property with a Section 8 assistance contract may voluntarily have an FSS program and may pay for FSS coordinators using residual receipt accounts. The PHA and the head of each participating family executes a Contract of Participation, generally for five years with a possible two-year extension for good cause, incorporating the specific training and services plan for the family. Participating families are provided with an interest-bearing escrow account made up of the difference of the rent the family pays when entering the program and the increased rent that would be charged as the family’s earned income increased. On completion of the FSS contract, a family may claim its escrow account, if no family member is receiving welfare assistance.

FSS Coordinators in each local program build partnerships with employers and service providers in the community to help participants obtain jobs and services. These services may include childcare, transportation, basic adult education, job training, employment counseling, substance/alcohol abuse treatment, financial empowerment coaching, asset-building strategies, household skill training, homeownership counseling, and more.

Each PHA that received FSS bonus funding in the early 1990s or funding for additional public housing rental units or Housing Choice Vouchers (HCV) between October 1, 1992, and October 20, 1998, was required to establish an FSS program. PHAs may also establish voluntary FSS programs. Other than annual funding, by the Notice of Funding Availability (NOFA), for FSS program coordinators’ salaries, no specific funding is provided by HUD.

Applicant Eligibility: Public housing agencies and qualifying private owners or sponsors of multifamily properties.

Legal Authority: Section 23 of the U.S. Housing Act of 1937 (42 U.S.C. 1437u).

Regulations are at 24 CFR part 984.

Information Source: Website:

https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/fss

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Housing Choice Voucher Program

Rental subsidies for tenants to rent units in the private market

Nature of Program: The Housing Choice Voucher (HCV) program (also call the tenant-based voucher program) is the Federal government's major program for assisting very low-income families, the elderly, and persons with disabilities to afford decent, safe, and sanitary housing in the private market. Since housing assistance is provided on behalf of the family or individual, participants are able to find their own housing, including single-family homes, townhouses, and apartments, provided that the unit meets the minimum standards of health and safety of the program. A housing subsidy is paid directly to the landlord by the public housing agency (PHA) on behalf of the participating family. The family then pays the difference between the actual rent charged by the landlord and the amount subsidized by the program. Under certain circumstances, if authorized by the PHA, a family may use its voucher to purchase a modest home.

HCVs are administered locally by PHAs. The PHAs receive Federal funds from HUD to administer the voucher program.

Payment Standards. Payments standards are usually set between 90 and 110 percent of the Fair Market Rent established by HUD.

Tenant Rent. The housing voucher family generally must pay 30 percent of its monthly adjusted gross income for rent and utilities, and if the unit rent is greater than the payment standard the family is required to pay the additional amount. By law, whenever a family moves to a new unit where the rent exceeds the payment standard, the family may not pay more than 40 percent of its adjusted monthly income for rent.

There are several special categories of vouchers offered in addition to typical housing choice vouchers:

• Homeownership Vouchers. A PHA may choose to use tenant-based housing choice

voucher assistance to help eligible low income, first-time homeowners with their monthly

homeownership expenses. The HCV homeownership program is only available to

families that have been admitted to the HCV program and it is not offered by every PHA.

To participate in the homeownership program, the HCV family must meet specific

income and employment requirements (the employment requirement does not apply to

elderly and disabled families), among other eligibility requirements.

• HUD-Veterans Affairs Supportive Housing (HUD-VASH) Vouchers. HCV rental

assistance is combined with case management and clinical services provided by the

Department of Veterans Affairs for very low-income homeless veterans and their

families. HUD-VASH vouchers are awarded based on geographic need and PHA

administrative performance. HUD-VASH funding is allocated through a competitive

process; therefore, not all PHAs administer the program. Generally, the HUD-VASH

program is administered in accordance with regular HCV program requirements, with

certain exceptions based on appropriations statutes. Public and Indian Housing – Public Housing Programs

• Tenant Protection Vouchers (TPVs). TPVs are Section 8 HCVs primarily provided to

protect HUD-assisted families from hardship as the result of a variety of actions that

occur in HUD’s Public Housing properties, the Multifamily Housing portfolios, and

Mod Rehab properties that would cause the family to lose housing assistance. The TPV

provides continuity of housing assistance to such families. Under current HUD policy,

TPVs may also be issued in connection to such actions for vacant units that have been

occupied by a HUD-assisted family within the past 24 months, provided that such

actions result in the loss of affordable housing to the community.

o Enhanced Vouchers (EVs). EVs are a type of TPV in which a higher payment

standard is used to determine the amount of housing assistance when the gross rent of the unit exceeds the PHA’s payment standard (if the family remains in the same project, the voucher payment standard covers the full market rent). EVs have several special requirements, but in all other respects are subject to rules of the tenant-based voucher program. If the family moves from the project, 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 EV tenant-based assistance.

• Vouchers for Persons with Disabilities. Also referred to as Certain Developments

Vouchers, these vouchers enable non-elderly families with a household member with

disabilities, who do not currently receive housing assistance in certain developments

where owners establish preferences for, or restrict occupancy to, elderly families, to

obtain affordable housing. In general, non-elderly families with a member with

disabilities who are on the waiting list for a covered development are eligible to apply for

Certain Developments Vouchers and need not be listed on the PHA’s HCV waiting list.

• Mainstream Vouchers. Mainstream vouchers provide funding to assist non-elderly

persons with disabilities. PHAs received points in the FY 2017 and FY 2019 NOFA

process for targeting those who are transitioning out of institutional or other segregated

settings, at serious risk of institutionalization, homeless, formerly homeless and currently

a participant in a permanent supportive housing or rapid rehousing program, or at risk of

becoming homeless. Mainstream vouchers help further the goals of the Americans with

Disabilities Act (ADA) consistent with the Supreme Court’s 1999 decision in Olmstead

v. L.C. by assisting persons with disabilities in living in the most integrated setting.

Mainstream vouchers encourage partnerships with health and human service agencies

with a demonstrated capacity to coordinate voluntary services and supports to enable

individuals to live independently in the community. Mainstream funding is allocated

through a competitive process; therefore, not all PHAs administer the program.

• Non-Elderly Disabled (NED) Vouchers. NED vouchers serve families with a head, co-

head, or spouse that is a non-elderly person with a disability. NED vouchers originated in

a few different ways. Some began as Certain Developments or Designated Housing

Vouchers, enabling non-elderly families with a household member with disabilities, who

do not currently receive housing assistance in certain developments where owners Public and Indian Housing – Public Housing Programs

establish preferences for, or restrict occupancy to, elderly families, to obtain affordable

housing. NED vouchers were also awarded by NOFAs most recently in 2011.

• Family Unification Program. The Family Unification Program (FUP) provides HCVs to

two different populations: (1) families for whom the lack of adequate housing is a

primary factor in the imminent placement of the family’s child or children in out-of-home

care, or the delay in the discharge of the child or children to the family from out-of-home

care; and (2) youth at least 18 years old and not more than 24 years old who left foster

care or will leave foster care within 90 days, and is homeless or at risk of homelessness

by age 16 or older. FUP funding is allocated through a competitive process; therefore, not

all PHAs administer the program.

• Witness Relocation Vouchers. These vouchers provide rental assistance for the relocation

of witnesses in connection with efforts to combat violent crimes that occur in and around

public, Indian, and other HUD-assisted housing. The witness (and their immediate

family) is not required to be a current resident of the aforementioned assisted housing in

order to be considered eligible for the Witness Relocation Program.

Applicant Eligibility: PHAs. At least 75 percent of the families admitted to a PHA’s HCV program from its waiting list during the PHA’s fiscal year must have income at or below 30 percent of the area median income. At the time a family initially receives voucher assistance, the families must be:

• Very low-income families;

• Low-income families previously assisted under the United States Housing Act of 1937;

• Low-income families that meet eligibility criteria specified by the PHA;

• Families that qualify to receive a voucher in connection with a homeownership program

approved under title IV of the Cranston-Gonzalez National Affordable Housing Act; or

• Families that qualify to receive a voucher under section 223 or 226 of the Low-Income

Housing Preservation and Resident Homeownership Act of 1990.

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 (Section 8 Tenant-

Based Housing Choice Voucher Program); 24 CFR part 984 (Section 8 and Public Housing

Family Self-Sufficiency Program); and 24 CFR part 985 (Section 8 Management Assessment Program (SEMAP)).

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

Websites: https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/about/

https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/about/list

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Jobs Plus Initiative

Place-based program to assist public housing residents to either obtain a first job or further their career.

Nature of Program: The purpose of the Jobs Plus Initiative program is to develop locally based, job-driven approaches to increase earnings and advance employment outcomes through work readiness, employer linkages, job placement, educational advancement, technology skills, and financial literacy for residents of public housing. The place-based Jobs Plus Initiative program addresses poverty among public housing residents by incentivizing and enabling employment through earned income disregards for working families; and a set of services designed to support work including employer linkages, job placement and counseling, educational advancement, and financial counseling. Ideally, these incentives will saturate the target developments by building a culture of work and making working families the standard.

The Jobs Plus Initiative program consists of three core components:

• Employment-related services to residents, including work-readiness training, employer

linkages, financial counseling, educational advancement, job placement, and employment

counseling.

• Financial incentives for Jobs Plus participants, in the form of a 100 percent disregard of

earned income above the baseline earned income established upon enrollment, for up to

48 months.

• Community support to create a “culture of work,” including marketing Jobs Plus services

and financial incentives to all residents in a targeted development.

Jobs Plus enables a PHA to choose a single public housing development and offer assistance to all the residents in that development. Jobs Plus services are tailored to residents’ individual needs and are drawn from a menu of on-site and referral services. For unemployed residents, case managers will help identify short and long-term employment goals and create plans to accomplish them. Employed individuals can work with case managers to take the necessary steps to advance in the labor market.

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

Applicant Eligibility: Public housing agencies.

Legal Authority: Consolidated Appropriations Act, 2018 (Public Law 115-141, approved March 23, 2018).

Information Source: Website: https://www.hud.gov/program_offices/public_indian_housing/jpi

Current Status: Active

Public and Indian Housing – Public Housing Programs

Moving to Work (MTW) Demonstration

Allows selected PHAs to test new ways or providing housing assistance intended to improve cost-effectiveness, promote self-sufficiency of assisted households, or increase housing choices for low-income families.

Nature of Program: MTW is a demonstration enacted by Congress in 1996 to facilitate innovation in how PHAs provide housing assistance. MTW agencies may design and test new ways of providing housing assistance—including changing rent rules and occupancy requirements—if the innovations are intended to achieve the statutory objectives of cost-effectiveness in expenditure of federal funds, self-sufficiency of assisted households, or increased housing choices for low-income families. MTW agencies also may use funds appropriated for the public housing and housing choice voucher programs for any allowable use under either program. MTW agencies’ innovations are expected to inform HUD about better ways to provide housing assistance.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 204 of the Omnibus Consolidated Rescissions and Appropriations Act

of 1996 (Public Law 104-134, approved April 26, 1996). Additional MTW agencies authorized by section 599H of the Departments of Veterans Affairs and Housing and Urban Development,

and Independent Agencies Appropriation Act, 1999 (Public Law 105-276, approved October 21,

1998); section 230 of the Consolidated Appropriations Act, 2008 (Public Law 110-161, approved December 26, 2007); section 232 of the Consolidated Appropriations Act, 2010

(Public Law 111-117, approved December 16, 2009); section 1101 of the Department of

Defense and Full-Year Continuing Appropriations Act, 2011 (Public Law 112-10, approved

April 15, 2011); and section 239 of the Consolidated Appropriations Act, 2016 (Public Law

114-113, approved December 18, 2015).

Information Source: Website:

https://www.hud.gov/program_offices/public_indian_housing/programs/ph/mtw

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Public Housing Neighborhood Networks (NN) Program

Grants to establish, expand and/or update community technology centers.

Nature of Program: Under the NN program, a PHA may use its Capital and Operating Funds for the purposes of providing computer and Internet access, and computer training to public housing residents. Neighborhood Networks centers can also provide a wide range of services to help residents achieve long-term self-sufficiency. Capital Funds may be used for the establishment and initial operation of a NN computer center for such things as:

• Equipment and equipment upgrades;

• Internet connection and utilities;

• Space renovation/remodeling (including accessibility improvements);

• Routers for individual units;

• Initial staff salary; and

• Initial insurance costs.

Operating Funds may be used for the ongoing operation of an NN computer center, including:

• Ongoing maintenance of in-unit routers;

• Insurance;

• Other expenses related to the computer center;

• Staff salaries; and

• Internet connection fees and utilities for the NN center.

Applicant Eligibility: PHAs only.

Legal Authority: Sections 9(d)(1)(E), 9(e)(1)(K), and 9(h)(8) of the U.S. Housing Act of 1937

(42 U.S.C. 1437g(d)(1)(E), 1437g(e)(1)(K), and 1437g(h)(8)).

Information Source: Website:

https://www.hud.gov/program_offices/public_indian_housing/programs/ph/ross/aboutnn

Current Status: Active. Funds for this program have not been appropriated to HUD in recent years, but it is an eligible use of a public housing agency’s Capital and Operating Funds.

Public and Indian Housing – Public Housing Programs

Project-Based Voucher Program

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

Nature of Program: A public housing agency (PHA) may project-base up to 20 percent of its authorized number of housing choice vouchers (HCVs), with some exceptions. Under the project-based voucher (PBV) program, a PHA enters into a HAP contract with an owner of a rental property for specified units and a specified term. The PHA refers families from its waiting list to the project owner to fill vacancies. Unlike the HCV program, PBV assistance is tied to the unit; however, PBV families have a right to move with continued tenant-based rental assistance after the first year of occupancy of the PBV unit.

A PHA may provide project-based assistance for existing housing (housing that substantially complies with HUD’s Housing Quality Standards), as well as for newly constructed or rehabilitated housing. Generally, with some exceptions, the greater of 25 units or 25 percent of units in a project may receive PBV assistance.

The PHA may enter into a HAP Contract with an owner for an initial term of up to 20 years. The PHA may extend the term of the contract for up to 20 years at any time during the initial HAP contract term, provided that the PHA determines an extension is appropriate to continue providing affordable housing for low-income families. The PHA may extend the term multiple times at any time during the term of the contract, provided that extension beyond the initial term does not exceed 20 years, cumulatively. Both the initial contract term and any contract extension are subject to the availability of appropriated funds.

HCVs awarded under the U.S. Department of Housing and Urban Development – Veterans Affairs Supportive Housing (HUD-VASH), Mainstream Voucher program and Family Unification Program (FUP) may also, under certain circumstances, be project-based.

Applicant Eligibility: PHAs. Tenant eligibility is the same as in the Housing Choice Voucher program.

Legal Authority: Section 8(o)(13) of the U.S. Housing Act of 1937 (42 U.S.C. 1437f(o)(13)).

Regulations are at 24 CFR part 983. Statutory changes made by the Housing Opportunity

Through Modernization Act of 2016 (Public Law 114-201) were implemented by notice,

published in the Federal Register at 82 FR 32461, on July 14, 2017.

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

Website: https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/project

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Public Housing Capital Fund

Funding for capital improvements to public housing units.

Nature of Program: The Capital Fund is available by formula distribution for capital and management activities, including development, financing, the modernization of public housing projects, as well as for management improvements.

A limited amount of a public housing agency’s (PHA) Capital Funds may be transferred to operations if the PHA plan provides for such use. However, non-troubled PHAs that own or operate fewer than 250 public housing units and that have also maintained their inventory in safe, clean, and healthy condition may use its Capital and Operating Funds for eligible activities under either program. In addition, PHAs may set aside funds from both the Capital and Operating Funds into a replacement reserve fund to fund activities authorized under the Capital Fund.

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

Applicant Eligibility: PHAs and resident management corporations (RMC) (pursuant to 24 CFR 964.225).

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.

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

Website: https://www.hud.gov/program_offices/public_indian_housing/programs/ph/capfund

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Public Housing Homeownership (Section 32)

Sale of public housing units to low-income families.

Nature of Program: The Quality Housing and Work Responsibility Act (QHWRA) permits public housing agencies (PHAs), through section 32 of the United States Housing Act of 1937, to make public housing dwelling units available for purchase by low-income families as their principal residence. Under Section 32, a PHA may:

• Sell all or a portion of a public housing development to eligible public or non-public

housing residents;

• Provide Capital Fund assistance to public housing families to purchase homes; or,

• Provide Capital Fund assistance to acquire homes that will be sold to low-income

families.

Section 32 provides an exception, allowing the Public Housing Capital Fund to be used to acquire units for sale that will not be put under a Public Housing Annual Contributions Contract (ACC). Section 32 does not permit the PHA to build or substantially rehabilitate units that are not public housing for sale under Section 32. Although public housing units that are newly constructed or substantially rehabilitated may be sold under Section 32, such construction and rehabilitation by the PHA is governed by the public housing development and modernization regulations. Section 32 replaced the old public housing ownership program authorized by section 5(h) of the United States Housing Act of 1937.

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.

Information Sources: Office of Public Housing Investments. Website:

https://www.hud.gov/program_offices/public_indian_housing/centers/sac/homeownership/

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.

Public and Indian Housing – Public Housing Programs

Public Housing Operating Fund

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

Nature of Program: The Operating Fund is available by formula distribution to PHAs to cover operating and management costs. Funding eligibility is offset by the amount of expected tenant rental revenue. 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.

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.

PHAs may leverage some Operating Funds to make capital improvements through the Operating Fund Financing Program by pledging a portion of their operating reserves to make future debt service payments. PHAs may also leverage Operating Funds to enter into Energy Performance Contracts, by pledging, in accordance with section 30 of the U.S. Housing Act of 1937 and, with HUD’s approval, to use energy savings for debt service payments.

Applicant Eligibility: Public housing agencies.

Legal Authority: Section 9(e) and section 30 of the U.S. Housing Act of 1937 (42 U.S.C.

1437g(e); 42 U.S.C. 1437z-2).

Regulations are at 24 CFR part 990.

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

Website: https://www.hud.gov/program_offices/public_indian_housing/programs/ph/am

Current Status: Active.

Public and Indian Housing – Public Housing Programs

Resident Opportunity and Self-Sufficiency (ROSS) Service Coordinators Program

Grants for supportive services and resident empowerment activities.

Nature of Program: The ROSS Service Coordinator program provides funding to hire and maintain Service Coordinators who will assess the needs of residents of conventional Public Housing or Indian Housing and coordinate available resources in the community to meet those needs. This program promotes the development of local strategies to coordinate the use of assistance under the public housing program with public and private resources, for supportive services and resident empowerment activities. These services should enable participating families to increase earned income, reduce or eliminate the need for welfare assistance, make progress toward achieving economic independence and housing self-sufficiency, or help improve living conditions and enable residents to age-in-place.

The services coordinated by ROSS Service Coordinators may include activities such as:

• Life skills (financial literacy, literacy, adult basic education, or mentoring);

• High School/GED Program;

• Job training and job search assistance;

• Career advancement support (setting career goals, working with employers);

• Financial self-sufficiency help (housing counseling, savings and tax information);

• Parenting or nutrition courses, or Child Care Services;

• Health Care Coordination;

• Assistance with activities of daily living for elderly/disabled;

• Transportation;

• Expunging, sealing, or correcting criminal records or securing certificates of

rehabilitation, dependent on State jurisdiction;

• Substance abuse treatment for drug and alcohol dependents;

• Civil legal assistance;

• Linkages to other social service programs; or

• 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, tribes/tribally designated housing entities, Resident Associations (such as: resident management corporations, resident councils, resident organizations with nonprofit status) and nonprofit organizations.

Legal Authority: Section 34 of the U.S. Housing Act of 1937 (42 U.S.C. 1437z-6).

Implementing regulations at 24 CFR part 964.

Information Source: Website:

https://www.hud.gov/program_offices/public_indian_housing/programs/ph/ross/about

Current Status: Active.

Public and Indian Housing – Indian Housing Programs

Indian Housing Programs

Indian Community Development Block Grant (ICDBG) Program

Grants to develop viable American Indian and Alaska Native (AIAN) communities.

Nature of Program: The ICDBG Program provides eligible grantees with grants to develop viable AIAN communities, including decent housing, a suitable living environment, and economic opportunities, primarily for low- and moderate- income persons. The program provides funding for:

• Housing: Housing rehabilitation, land acquisition to support new housing construction,

and under limited circumstances, new housing construction.

• Community Facilities: Infrastructure construction, e.g., roads, water and sewer facilities;

and, single or multipurpose community buildings.

• Economic Development: Wide variety of commercial, industrial, and agricultural

projects.

Applicant Eligibility: American Indian tribes, bands, groups, or nations, including Alaskan Natives, Aleuts, and Eskimos, and Alaska Native Villages, that are eligible for assistance under

Title I of the Indian Self-Determination and Education Assistance Act of 1975 or were

eligible under the State and Local Fiscal Assistance Act of 1972.

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.

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

Website: https://www.hud.gov/program_offices/public_indian_housing/ih/grants/icdbg

Current Status: Active.

Public and Indian Housing – Indian Housing Programs

Indian Housing Block Grant (IHBG) Program

Housing assistance to American Indian tribes and tribally designated housing entities (TDHEs) and Alaska Native villages.

Nature of Program: The IHBG program authorizes housing assistance under a single block grant to eligible American Indian tribes or their TDHEs and Alaska Native villages. 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, an annual Indian Housing Plan describing the various programs the grantee will operate and the funds allocated to each program during the applicable program year to address the housing needs of the Indian families they serve.

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 Native

American Housing Assistance and Self-Determination Act of 1996 (NAHASDA), if

specifically approved by HUD, as appropriate.

Applicant Eligibility: Federally recognized Indian tribes or their TDHEs, Alaska Native villages, and a limited number of State-recognized tribes who were funded under the Indian Housing Program authorized by the U. S. Housing Act of 1937. With the enactment of NAHASDA, Indian tribes are no longer eligible for assistance under the U.S. Housing Act of 1937.

Legal Authority: Titles I through V of NAHASDA (Public Law 104-330, approved October 26,

1996) (25 U.S.C. 4101 et seq.).

Regulations are at 24 CFR part 1000.

Information Source: Website:

https://www.hud.gov/program_offices/public_indian_housing/ih/grants/ihbg

Current Status: Active.

Public and Indian Housing – Indian Housing Programs

Section 184 Indian Home Loan Guarantees Program (Section 184)

Home loan guarantees for American Indian and Alaska Native (AIAN) 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 AIAN families, Alaska villages, tribes, or tribally designated housing entities to facilitate homeownership and increase access to capital in Native American communities. The loans guaranteed under the program are used to construct, acquire, refinance, or rehabilitate single-family housing located on and off native lands.

The program operates under 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: American Indians or Alaska Natives; Indian tribes; Indian housing authorities.

Legal Authority: Section 184 of the Housing and Community Development Act of 1992

(12 U.S.C. 1715z-13a).

Regulations are at 24 CFR part 1005.

Information Source: Website:

https://www.hud.gov/program_offices/public_indian_housing/ih/homeownership/184

Current Status: Active.

Public and Indian Housing – Indian Housing Programs

Section 184A Native Hawaiian Housing Loan Guarantee Program (Section 184A)

Home loan guarantees for Native Hawaiian families living on Hawaiian home lands.

Nature of Program: 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. Loans are to be used to construct, acquire, or rehabilitate single-family housing located on the Hawaiian home lands.

The program operates under its own guarantee fund and permits HUD to guarantee 100 percent of the unpaid principal and interest due. HUD may enter commitments to guarantee loans for any fiscal year only to the extent amounts have been provided in appropriations acts. HUD is only authorized to guarantee a limited amount of Section 184A refinance loan transactions.

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 (12

U.S.C. 1715z-13b).

Regulations are at 24 CFR part 1007.

Information Sources: Honolulu Field Office.

Website:

https://www.hud.gov/program_offices/public_indian_housing/ih/codetalk/onap/program184a

Current Status: Active.

Public and Indian Housing – Indian Housing Programs

Native Hawaiian Housing Block Grant (NHHBG) Program

Grants for affordable housing activities for Native Hawaiians.

Nature of Program: The NHHBG program is patterned after the 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 to carry out affordable housing activities for low-income Native Hawaiian families who are eligible to reside on the Hawaiian Home Lands. Eligible activities include new construction, rehabilitation, acquisition, infrastructure, and various support services. Housing can be either rental or homeownership. NHHBG funds can also be used for certain types of community facilities if the facilities serve eligible residents of affordable housing.

Applicant Eligibility: The State of Hawaii’s Department of Hawaiian Home Lands.

Legal Authority: Title VIII of the Native American Housing Assistance and Self-Determination

Act of 1996 (NAHASDA) (25 U.S.C. 4221 et seq.).

Regulations are at 24 CFR part 1006.

Information Sources: Honolulu Field Office.

Website:

https://www.hud.gov/program_offices/public_indian_housing/ih/codetalk/onap/nhhbgprogram

Current Status: Active.

Public and Indian Housing – Indian Housing Programs

Tribal Housing Activities Loan Guarantee Program (Title VI)

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

Nature of Program: The Title VI loan guarantee program assists Indian Housing Block Grant (IHBG) recipients in financing additional construction or development, including new housing, rehabilitation, infrastructure, community facilities, land acquisition, architectural and engineering plans, and financing costs. Tribes may use a variety of funding sources in combination with Title VI financing, such as low-income housing tax credits. Title VI loans may also be used to pay development costs.

The applicant pledges the need portion of its current and future Indian Housing Block Grant funds as the primary security for the loan guarantee. HUD will guarantee the lender’s loan for 95 percent of the outstanding principal and interest.

Tribes may structure their loans to meet the requirements of their project and negotiate a variety of repayment terms with the lender. Loan terms can range up to 20 years, and payments may be made monthly, quarterly, or annually. Additionally, interest rates can be fixed, adjustable, or floating, and are based on an index.

Applicant Eligibility: Indian tribes and TDHEs that are currently 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, Subpart E.

Information Source:

Website: https://www.hud.gov/program_offices/public_indian_housing/ih/homeownership/titlevi

Current Status: Active.

Fair Housing and Equal Opportunity

Fair Housing and Equal Opportunity

Equal Opportunity and Nondiscrimination Requirements for HUD-Assisted Programs

(Title VI, Section 504, Americans with Disabilities Act, Section 109, Age Discrimination

Act, and Title IX)

Prohibits discrimination and requires equal opportunity to participate in and benefit from HUD-assisted programs or activities.

Nature of Program: Equal opportunity and nondiscrimination requirements prohibit discrimination and require equal opportunity in HUD-assisted programs and activities receiving federal financial assistance. In addition, individuals may not be excluded from the participation in, be denied the benefits of, or be subjected to discrimination under any program or activity receiving federal financial assistance because of a protected characteristic. Federal laws prohibit discrimination in housing and community development programs and activities because of race, color, religion, sex, national origin, familial status, and disability. These obligations extend to recipients of HUD financial assistance, including subrecipients, as well as the operations of state and local governments and their agencies, and certain private organizations operating housing and community development services, programs, or activities.

For example, federal laws prohibit discrimination, including the denial of participation in and benefit of, the following examples of programs and activities: homelessness, transitional housing, permanent supportive housing, the operations of social service organizations, public housing, voucher programs, other affordable housing programs, community development funded facilities, etc. Recipients and other covered entities also must take certain affirmative steps within such programs and activities to provide equal housing opportunities.

HUD has civil rights authority over the housing-related programs, services, and regulatory activities of state and local governments and recipients and subrecipients of financial assistance from HUD, including private businesses recipients/subrecipients and certain private organizations operating housing and community development services, programs, or activities. These are some common types of HUD funding programs, and may include subrecipients, that have civil rights obligations enforced by HUD: Community Development Block Grants: HOME Investment Partnerships; Emergency Solutions Grants; Housing Opportunities for Persons With AIDS; Public Housing; Housing Choice Vouchers (Section 8); Supportive Housing for Persons with Disabilities (Section 811); Supportive Housing for the Elderly (Section 202); Homeless Assistance Programs (Continuum of Care, and other McKinney-Vento Programs); and recipients of NOFA funding. HUD has the responsibility to obtain compliance with Federal civil rights laws and requirements prohibiting discrimination and ensuring equal access in HUD-assisted programs. These civil rights laws and requirements include:

• Title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.) and HUD’s

implementing regulations at 24 CFR Part 1 prohibit exclusion from participation, denial

of benefits, and discrimination on the basis of race, color, and national origin in

programs or activities receiving Federal financial assistance and impose affirmative

obligations on such programs or activities to remedy the effects of past discrimination. Fair Housing and Equal Opportunity

Title VI broadly covers recipients and subrecipients of federal financial assistance from

HUD and they must comply with Title VI. Under Title VI of the Civil Rights Act of 1964

and in accordance with Supreme Court precedent in Lau v. Nichols, recipients of federal

financial assistance are required to take reasonable steps to ensure meaningful access to

their programs and activities by limited English proficient (LEP) persons.

• Section 504 of the Rehabilitation Act of 1973 (29 U.S.C. 794) and HUD’s implementing

regulations at 24 CFR parts 8 and 9 prohibit discrimination on the basis of disability in

programs and activities receiving Federal financial assistance and require compliance

with accessibility requirements in housing and non-housing programs receiving Federal

financial assistance. Section 504 broadly covers recipients and subrecipients of federal

financial assistance from HUD and they must comply with Section 504. Section 504

covers all programs and activities of recipients of HUD financial assistance, including,

for example: outreach and public contact, including contact with program applicants and

participants; eligibility criteria; application process; admission to the program; tenancy,

including eviction; service delivery; physical accessibility of facilities; and employment

policies and practices.

• Title II of the Americans with Disabilities Act (42 U.S.C. 12131-12165) and the

Department of Justice’s (DOJ) implementing regulations at 28 CFR part 35 prohibit

public entities, including States and local governments and special purpose districts, from

discriminating on the basis of disability in all programs, services, and activities provided

or made available. Title II extends the prohibition of discrimination in Federally-assisted

programs established by section 504 of the Rehabilitation Act of 1973 to all activities of

States and local governments. This includes housing when the housing is provided or

made available by a public entity regardless of whether the entity receives Federal

financial assistance. For example, housing covered by Title II of the ADA includes

housing operated by public housing agencies that meet the ADA’s definition of “public

entity,” and housing operated by States or units of local government, such as housing on

a State university campus. Under Title II of the ADA, HUD is designated as an agency

for investigating complaints and conducting compliance reviews with respect to all

programs, services, and regulatory activities relating to State and local public housing,

and housing assistance and referral.

• Title III of the Americans with Disabilities Act (42 U.S.C. 12181-12189 ) and DOJ’s

implementing regulation at 28 CFR part 36 prohibit private entities that own, lease, and

operate places of public accommodation from discriminating on the basis of disability

and requires places of public accommodation and commercial facilities to be designed,

constructed, and altered in compliance with accessibility standards. Public

accommodations at housing developments include any public areas that are open to the

general public, such as a rental office. Public accommodations would also include, for

example, shelters and social service establishments.

• The Age Discrimination Act of 1975 (42 U.S.C. 6101 et seq.) and HUD’s implementing

regulations at 24 CFR part 146 prohibit discrimination on the basis of age under any

program or activity receiving Federal financial assistance. Fair Housing and Equal Opportunity

• Section 109 of Title I of the Housing and Community Development Act of 1974 (42

U.S.C. 5309) and HUD’s implementing regulations at 24 CFR Part 6 prohibit

discrimination on the basis of race, color, national origin, religion, and sex under any

program or activity funded in whole or in part with Title I Federal financial assistance.

Section 109 and HUD’s implementing regulations also direct that the prohibitions against

discrimination on the basis of age under the Age Discrimination Act of 1975 and HUD’s

implementing regulations, and the prohibitions against discrimination on the basis of

disability under section 504 of the Rehabilitation Act of 1973 and HUD’s implementing

regulations apply to programs or activities funded in whole or in part with Federal

financial assistance and thus apply to disability and age discrimination in Title I

programs.

• Title IX of the Education Amendments Act of 1972 (20 U.S.C. 1681 et seq.) 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.

• The Architectural Barriers Act of 1968 (42 U.S.C. 4151 et seq.) and HUD’s

implementing regulations at 24 CFR parts 40 and 41 requires buildings or facilities that

were designed, built, or altered with federal dollars or leased by federal agencies after

August 12, 1968 to be accessible. Facilities that predate the law generally are not

covered, but alterations or leases undertaken after the law took effect can trigger

coverage. HUD ABA regulations require compliance with the Uniform Federal

Accessibility Standards.

Technical assistance is available to State and local agencies with civil rights questions relating to HUD-assisted programs and activities. If HUD finds recipients to be in noncompliance with federal civil rights requirements, HUD follows the procedures set forth in the applicable regulations for effecting compliance by a recipient, which include attempting to obtain voluntary compliance from the recipient. If this fails, HUD may terminate, refuse to grant or continue Federal financial assistance to the recipient consistent with the processes set forth in the applicable regulations. HUD may also pursue any other means authorized by law to effect compliance, including through administrative enforcement or referral to the Department of Justice for enforcement in Federal court.

Filing a Complaint: Federal laws protect applicants, beneficiaries, participants, and other individuals from discrimination in programs or activities administered by state and local government agencies and recipients of federal financial assistance. Examples include residents or applicants of public housing, affordable housing, and voucher programs; participants in HUD funded substance abuse or other treatment programs; residents of homelessness programs; etc. If someone believes they have been discriminated against in any housing or community development program, they may file a complaint with HUD’s Office of Fair Housing and Equal Opportunity. 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. Fair Housing and Equal Opportunity

Information Sources: FHEO Office of Enforcement and Programs. Website:

https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_rights_and_obligati

ons

FHEO: https://www.hud.gov/program_offices/fair_housing_equal_opp

Current Status: Active.

Fair Housing and Equal Opportunity

Fair Housing Act (Title VIII)

Prohibits discrimination in housing and real estate-related transactions.

Nature of Program: Title VIII of the Civil Rights Act of 1968 (Fair Housing Act), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, because of race, color, religion, sex, familial status, national origin, and disability. It also requires that all federal programs relating to housing and urban development be administered in a manner that affirmatively furthers fair housing. HUD has responsibility for enforcing the Fair Housing Act, which applies to almost all housing in the country. The Fair Housing Act prohibits discrimination in housing based on race, color, religion, sex, national origin, disability, or familial status (including individuals or families with children under 18 years of age and pregnant women, though certain housing for older persons is exempt from the prohibition against discrimination because of familial status).

The Fair Housing Act also prohibits discrimination in residential real estate-related 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. The Fair Housing Act also prohibits the adoption and enforcement of discriminatory zoning and land use ordinances. Furthermore, since 1991, most multifamily dwellings of four or more units have been required to be designed and constructed in accordance with the Fair Housing Act’s accessibility requirements so that covered dwellings are accessible to persons with disabilities.

The Fair Housing Act, in conjunction with other statutes, also provides that HUD must administer all of its programs and activities in a manner that affirmatively furthers fair housing, which includes ensuring that recipients of HUD funding take action to affirmatively further fair housing. Many recipients of HUD funding are required to comply with HUD’s Affirmatively Furthering Fair Housing Rule. The process under the rule includes conducting an assessment of fair housing, setting goals to overcome contributing factors and related fair housing issues, and ultimately taking meaningful actions to affirmatively further fair housing.

Filing a Complaint: Any individual experiencing housing discrimination may file a complaint with any HUD office, in person, by mail, online, or by telephone, not later than one year after the alleged discriminatory act has occurred or terminated. HUD or a substantially equivalent State or local agency will investigate and attempt to conciliate the complaint. If it is not conciliated and evidence indicates 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. An aggrieved person may also file suit in a Federal court not later than two years after the alleged discriminatory act has occurred or terminated, 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) 877-8339.

Legal Authority: Title VIII of the Civil Rights Act of 1968(42 U.S.C. 3601-3619).

Regulations are at 24 CFR parts 100, 103, and 180.

Fair Housing and Equal Opportunity

Information Sources: FHEO Office of Enforcement.

Websites: Fair Housing overview:

https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview

How to file a complaint:

https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint

Fair Housing Rights and Obligations:

https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_rights_and_o

bligations

FHEO: https://www.hud.gov/program_offices/fair_housing_equal_opp

Current Status: Active.

Fair Housing and Equal Opportunity

Fair Housing Assistance Program (FHAP)

Funding to provide assistance to State and local fair housing enforcement agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act.

Nature of Program: HUD provides FHAP funding annually on a noncompetitive basis to State and local agencies that enforce fair housing laws that HUD has determined to be substantially equivalent to the Federal Fair Housing Act. These agencies investigate and enforce complaints of housing discrimination that arise within their jurisdiction. 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 the administration and enforcement of 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 the State or local law provides substantive rights, procedures, remedies, and the availability of judicial review comparable to the Federal Fair Housing Act. 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.

Applicant Eligibility: Only governmental entities are eligible to participate in the FHAP. Participating agencies must (1) administer a State or local fair housing law certified by HUD as “substantially equivalent” and (2) execute a written “Interim Agreement” or “Memorandum of Understanding” with HUD, outlining the working relationship between the agency and the HUD.

Legal Authority: Sections 810(f) and 817 of the Civil Rights Act of 1968 (42 U.S.C. 3610; 42

U.S.C. 3616).

Regulations are at 24 CFR part 115.

Information Sources: FHEO Office of Enforcement, FHAP Division.

Website: https://www.hud.gov/program_offices/fair_housing_equal_opp/partners/FHAP

Current Status: Active.

Fair Housing and Equal Opportunity

Fair Housing Initiatives Program (FHIP)

Grants to public and private entities formulating or carrying out programs to prevent or eliminate discriminatory housing practices.

Nature of Program: FHIP establishes and supports a network of State and local governments, public or private non-profit organizations, and other public or private entities throughout the nation to foster compliance with the Fair Housing Act and substantially equivalent State and local fair housing laws. “Substantially equivalent” means that the state or local law provides substantive rights, procedures, remedies, and the availability of judicial review comparable to the Federal law. This is the only grant program within the Federal government whose primary purpose is to support private efforts to prevent and address housing discrimination.

FHIP organizations partner with HUD to promote awareness to the public, housing providers, and others about their rights and responsibilities under the Fair Housing Act. They also conduct preliminary investigation of claims, including sending “testers” to properties suspected of practicing housing discrimination. Testers include various protected classes under the Fair Housing Act with the same financial qualifications who evaluate whether housing providers treat equally qualified people differently. In addition to funding organizations that provide direct assistance to individuals who feel they have been discriminated against while engaging in housing-related services, such as attempting to purchase or rent housing, FHIP provides grants to organizations to conduct these education and outreach and enforcement activities, under a competitive grant process:

The Fair Housing Organizations Initiative (FHOI): Provides funding that builds

capacity and effectiveness of nonprofit fair housing organizations by providing funds to

handle fair housing enforcement and education initiatives more effectively. It also

encourages the creation and growth of organizations that focus on the rights and needs of

underserved groups, or in underserved areas, particularly persons with disabilities. Grants

may be used flexibly to support the basic operation and activities of new or existing

nonprofit fair housing organizations.

The Private Enforcement Initiative (PEI): Offers a range of assistance to the

nationwide network for fair housing groups. It funds nonprofit fair housing organizations

to carry out testing and enforcement-related activities to prevent or eliminate

discriminatory housing practices. Grants may be used for activities such as complaint-

based and targeted testing and other investigations of housing discrimination and

establishing effective means of meeting legal expenses in support of fair housing

litigation.

The Education and Outreach Initiative (EOI): Offers a comprehensive range of

support for fair housing activities, provides funding to State and local government

agencies and nonprofit organizations for initiatives that explain to and educate the general

public and housing providers what equal opportunity in housing means and what housing

providers must do to comply with the Fair Housing Act. Activities eligible for funding

include developing education materials, analyzing local impediments to housing choice, Fair Housing and Equal Opportunity

providing housing counseling and classes, convening meetings that bring together the

housing industry with fair housing groups, developing technical materials on

accessibility, and mounting public information campaigns. National projects that

demonstrate cooperation with the real estate industry or focus on resolving community

tensions that arise as people expand their housing choices may be eligible to receive

preference points.

Applicant Eligibility:

• FHIP-FHOI: Per 24 CFR 125.501(c), applicants must be fair housing enforcement

organizations or qualified fair housing enforcement organizations with experience in

complaint intake, complaint investigation, and enforcement of meritorious claims

involving the use of testing evidence. If an applicant is establishing a new organization

in a locality not identified as a target area, applicants must show the area is currently

underserved by fair housing enforcement organizations or contains large concentrations

of protected classes.

• FHIP-PEI: Per 24 CFR 125.401(b), applicants must be organizations with experience

providing quality fair housing enforcement activities, including complaint intake,

complaint investigation, testing for fair housing violations, and enforcement activities to

prevent or eliminate discriminatory housing practices.

• FHIP-EOI: Per 42 U.S.C. 3616a(a) and (d), applicants include State and local

government agencies, qualified fair housing enforcement organizations, and other public

or private non-profit organizations representing individuals who have been victims of

housing discrimination for initiatives that educate the public and housing providers about

equal opportunity in housing and compliance with fair housing laws.

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.

Information Sources: FHEO Office of Programs, FHIP Division.

Website: https://www.hud.gov/program_offices/fair_housing_equal_opp/partners/FHIP/fhip

Current Status: Active.

Policy Development and Research

Policy Development and Research (PD&R)

Policy Development and Research Initiatives

Advises on policy issues and supports the Department’s efforts to help create cohesive, economically healthy communities.

Nature of Program: The mission of the Office of Policy Development and Research (PD&R) is to inform policy development and implementation to improve life in American communities through conducting, supporting, and sharing research, surveys, demonstrations, program evaluations, and best practices. PD&R is responsible for maintaining current information on housing needs, market conditions, and existing programs, as well as conducting research on priority housing and community developmental issues. This work is undertaken by in-house staff and through contracts with outside organizations, including academic institutions, public and private research organizations, non-profits and philanthropic entities, and state and local governments. PD&R develops its research agenda through a Research Roadmap, after extensive input and engagement from researchers, stakeholders, and the public. Working with the U.S. Census Bureau, PD&R gathers and maintains national economic data on housing conditions, needs and trends, including through the American Housing Survey and other major national data surveys. PD&R assists the Department in meeting its responsibilities under the Government Performance and Results Act and the Foundations of Evidence-Based Policy Making Act of 2018 through program evaluations and staff support.

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. PD&R’s online portal for providing public access to research, policy papers, periodicals and

datasets is www.huduser.gov.

PD&R’s also supports the exchange of information and innovation on housing and community development issues through its Office for International and Philanthropic Innovation. PD&R economists are responsible for conducting economic impact analyses of all pending and proposed HUD regulations. 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 program offices, the housing industry and the American public.

Applicant Eligibility: Not applicable.

Legal Authority: Title V of the Housing and Urban Development Act of 1970 (12 U.S.C.

1701z-1 et seq.).

Information Source: Website: https://www.huduser.gov/portal/about/pdrabout.html

Current Status: Active.

Field Policy and Management

Field Policy and Management (FPM)

Davis-Bacon and Labor Standards

Oversight of administration and enforcement of Federal labor standards provisions in HUD programs.

Nature of Program: The Davis-Bacon Act and related acts (DBRA) require contracts and subcontractors working on federally funded or assisted construction contracts over $2,000 to pay laborers and mechanics at least locally prevailing wages and fringe benefits, as determined by the Department of Labor. HUD ensures compliance with DBRA requirements applicable to HUD-assisted and insured housing and community development programs. HUD also oversees Federal prevailing wage requirements applicable to maintenance employees of public housing agencies and tribally designated housing entities. This program does not provide any funding.

Applicability: Users of HUD funds and guarantees in building housing and other public-use buildings constructed by developers, contractors, and State and local housing entities.

Legal Authority: Davis-Bacon Act (40 U.S.C. 3141 et seq.); Fair Labor Standards Act of 1938

(29 U.S.C. 201 et seq.); McNamara-O’Hara Service Contract Act of 1965 (41 U.S.C. 6701 et

seq.); Contract Work Hours and Safety Standards Act (40 U.S.C. 3701 et seq.); Walsh-Healey

Public Contracts Act (41 U.S.C. 6501 et seq.); Copeland Anti-Kickback Act (18 U.S.C. 874; 40

U.S.C. 3145).

Information Sources: HUD field offices.

Website: https://www.hud.gov/program_offices/davis_bacon_and_labor_standards

Current Status: Active.

Field Policy and Management

Economic Opportunities for Low- and Very-Low Income Persons (Section 3)

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

Nature of Program: Section 3 of the Housing and Urban Development Act of 1968 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, training, employment, and contracting to 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.

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).

Regulations are at 24 CFR part 135.

Information Sources: FHEO Office of Programs, Economic Opportunity Division.

Website: https://www.hud.gov/program_offices/fair_housing_equal_opp/section3/section3

HUD’s Income Limits: https://www.huduser.gov/portal/datasets/il.html

Current Status: Active.

Government National Mortgage Association (Ginnie Mae)

Government National Mortgage Association (Ginnie Mae)

Ginnie Mae Single-Class Mortgage-Backed Securities

Guarantees timely payments on securities backed by government-insured mortgages.

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 Development (RD), and Public and Indian Housing (PIH) mortgage loans. The full faith and credit guaranty 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.

Ginnie Mae I: Ginnie Mae I MBS are modified pass-through mortgage-backed securities on which registered holders receive separate principal and interest payments on each of their certificates. The underlying mortgages generally have the same or similar maturities and the same interest rate on the mortgages. Single-family Ginnie Mae I pools have a 50-basis point (0.5 percent) guaranty and servicing fee. The Ginnie Mae I MBS also permits the securitization of multifamily mortgages.

Ginnie Mae II: Ginnie Mae II MBS are modified pass-through mortgage-backed securities for which registered holders receive an aggregate principal and interest payment from a central paying agent. The Ginnie Mae II MBS allows small issuers who do not meet the dollar requirements of the Ginnie Mae I MBS program to participate in the secondary mortgage market. In addition, the Ginnie Mae II MBS permits the securitization of adjustable rate mortgages (ARMs). The Ginnie Mae II MBS have a central paying and transfer agent that collects payments from all issuers and makes one consolidated payment to each security holder.

Applicant Eligibility: Issuers must:

• Be approved FHA mortgagees in good standing.

• Possess demonstrated experience and management capability in the underwriting,

origination, and servicing of mortgage loans. Issuers may utilize a Ginnie Mae-approved

sub-servicer; but must have a staff member to oversee sub-servicer performance.

• Have fidelity bond and a mortgagee errors and omissions policy in effect.

• Have a quality control plan in place for underwriting, originating, and servicing mortgage

loans as well as for secondary marketing.

• Meet and maintain financial requirements as specified in the MBS Guide.

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

Regulations are at 24 CFR part 320.

Information Sources: Ginnie Mae Office of Issuer & Portfolio Management.

Website: https://www.ginniemae.gov/about_us/what_we_do/Pages/programs_products.aspx

Current Status: Active.

Government National Mortgage Association (Ginnie Mae)

Ginnie Mae Multiclass Securities

Guarantees the timely payment of principal and interest on multiclass securities backed by government-insured mortgages as provided by the terms of the multiclass security.

Nature of Program: The intent of the Ginnie Mae Multiclass Securities program is to increase liquidity in the secondary mortgage market and attract new sources of capital for federally insured or guaranteed loans.

REMIC Securities: Real Estate Mortgage Investment Conduits (REMICs) direct principal and interest payments from underlying mortgage-backed securities to classes with different principal balances, interest rates, average lives, prepayment characteristics, and final maturities. They allow investors with different investment horizons, risk-reward preferences, and asset-liability management requirements to purchase MBS tailored to their needs.

Unlike traditional pass-throughs, the principal and interest payments in REMICs are not passed through to investors pro rata; instead, they are divided into varying payment streams to create classes with different expected maturities, different prices, and interest rate sensitivities. The assets underlying REMIC securities are Ginnie Me single-class mortgage-backed securities.

Platinum Securities: A Ginnie Mae Platinum security is formed by combining Ginnie Mae MBS pools that have uniform coupons and original terms to maturity into a single certificate. Investors owning smaller pools of Ginnie Mae MBS can combine new or existing MBS into larger Ginnie Mae Platinum pools. A Ginnie Mae Platinum security may be used in structured financings, repurchase transactions, and general trading.

Ginnie Mae Platinum pool processing costs for investors, for monthly principal and interest payments, are lower because multiple MBS pools are combined into one larger pool. Ginnie Mae requires that the pool of Ginnie Mae MBS underlying a Ginnie Mae Platinum pool consists entirely of Ginnie Mae I MBS or entirely of fixed-rate Ginnie Mae II MBS. Ginnie Mae ARMs, HMBS, and 15-year and 30-year fixed rate MBS are eligible for Ginnie Mae Platinum pools. Ginnie Mae Platinum pools can be created from seasoned or current MBS production; depositors can contribute entire or partial pools of Ginnie Mae MBS certificates.

Ginnie Mae guarantees the timely payment of principal and interest on each Ginnie Mae Platinum pool. This guaranty is backed by the full faith and credit of the United States government. In exchange for Ginnie Mae's guaranty of the Ginnie Mae Platinum pool, a guaranty fee is charged.

SMBS Securities: “Stripped” Mortgage-Backed Securities (SMBS) are created by redistributing the cash flows from the underlying Ginnie Mae MBS collateral into the principal and interest components to enhance the attractiveness to different groups of investors. Stripped mortgage-backed securities are extremely sensitive to changes in interest rates, allowing investors to choose either an interest strip or a principal strip depending on the expected direction of interest rates. Each Trust will be comprised primarily of: Government National Mortgage Association (Ginnie Mae)

• Fully modified pass-through mortgage-backed certificates as to which Ginnie Mae has

guaranteed the timely payment of principal and interest pursuant to the Ginnie Mae I

Program or the Ginnie Mae II Program,

• Certificates backed by Ginnie Mae MBS certificates as to which Ginnie Mae has

guaranteed the timely payment of principal and interest pursuant to the Ginnie Mae

Platinum Program,

• REMIC or comparable mortgage certificates, or

• Previously issued Ginnie Mae guaranteed SMBS, in each case, evidencing interests in

Trusts consisting primarily of direct or indirect interests in Ginnie Mae Certificates, as

further described in the related Offering Circular Supplement.

Each series will be issued in two or more classes. Each class of securities of a series will evidence an interest in future principal payments and/or an interest in future interest payments on the Trust assets included in the related Trust. The Trust created for each issue of SMBS will be classified as a Grantor Trust.

Callable Trusts: Callable Securities are subject to redemption by the Holder of the Call Class Securities at the time or times specified in the related Callable Trust Agreement. Each Callable Series of Securities will consist of one or more paired Classes: a “Call Class” and a “Callable Class.” The Securities will evidence interests in separate trusts (each, a “Callable Trust”).

Applicant Eligibility: Issuers of Multiclass Securities must meet the Sponsor must meet the eligibility requirements established in the Multiclass Securities Guide.

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

Regulations are at 24 CFR Part 330.

Information Sources: Ginnie Mae Office of Capital Markets.

Website: https://www.ginniemae.gov/investors/multiclass_resources/Pages/multiclass-securities-

guide.aspx

Current Status: Active.

Lead Hazard Control and Healthy Homes

Lead Hazard Control and Healthy Homes

Capacity building and technical assistance; grants for the development of local programs to address housing-related health and safety hazards; demonstration projects and research, outreach and education authority related to lead hazard control and healthy homes issues; enforcement of the Lead Safe Housing Rule and the Lead Disclosure Rule.

Nature of Program: This program addresses childhood lead-based paint poisoning and other diseases associated with poor housing conditions, such as exposure to moisture, mold, poor air quality, 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 health and safety hazards in the home environment through several components:

• Authority to perform research and technical studies through grants, contracts, and

cooperation with other federal agencies, to establish standards for such matters as

performance of detection, mitigation and cleanup for lead-based paint and other

residential health and safety hazards; 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; and to help communities use this

knowledge to reduce these hazards in their housing.

• Grants to state and local governments to evaluate and reduce lead-based paint hazards in

privately-owned low-income housing; grant funding to state, tribal and local governments

to develop methods to assess and reduce additional housing-related hazards with

particular focus on low-income housing.

• Establishment of procedures to evaluate and reduce lead-based paint hazards in federally

owned housing and housing receiving federal assistance, including public housing.

• Oversight of the Lead Safe Housing Rule (24 CFR Part 35, subparts B-R) for housing

built before 1978 under all HUD programs, and enforcement of the Rule for Multifamily

Housing programs, the Single-Family Asset Management program, and PIH programs.

• Enforcement of lead-based paint and lead-based paint hazard disclosure requirements (24

CFR Part 35, subpart A) upon rental or sale of housing built before 1978.

Applicant Eligibility: For lead hazard control grant programs, state, tribal, and local governments are eligible; for other programs, these government and nonprofit entities, for-profit entities that waive their fees, and universities are eligible.

Lead Hazard Control and Healthy Homes

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 Lead Hazard Control and Healthy Homes.

Website: https://www.hud.gov/program_offices/healthy_homes

Current Status: Active.

Temporary Programs

Temporary Programs

Housing and Economic Recovery Act of 2008 (HERA)

(Public Law 110-289, approved July 30, 2008)

Low Income Housing Tax Credit Pilot (Tax Credit Pilot)

HERA established a pilot program to streamline the review process for FHA mortgage insurance applications for projects with equity from the Low-Income Housing Tax Credit (LIHTC) program. In 2012, FHA launched the pilot program to refinance mortgage debt under FHA’s Section 223(f) program on transactions that would receive LIHTC equity. On February 21, 2019, FHA announced the expansion of the pilot program (Mortgagee Letter 2019-03 and Notice: H 2019-03) to include new construction and substantial rehabilitation projects under its Section 221(d)(4) and Section 220 programs. The expanded pilot program continues FHA’s effort to ensure faster and more efficient processing for low-risk, LIHTC transactions by eliminating redundant reviews.

FHA multifamily transactions with LIHTCs account for approximately 30 percent of FHA’s total multifamily volume. By aligning FHA’s Section 221(d)(4) and Section 220 programs with the LIHTC program, the Department anticipated and has realized more production and preservation of critically needed affordable multifamily housing.

LIHTCs are codified at 26 U.S.C. 42.

Website: https://www.hud.gov/program_offices/housing/mfh/map/maphome/taxcredit

Consolidated and Further Continuing Appropriations Act, 2012

(Public Law 112-55, approved November 18, 2011)

Rental Assistance Demonstration Program (RAD)

The Consolidated and Further Continuing Appropriations Act, 2012 authorized the creation of a demonstration designed to preserve and improve public housing and certain other multifamily housing through the voluntary conversion of properties assisted under section 9 of the United States Housing Act of 1937 (public housing), the moderate rehabilitation program (Mod Rehab), the Rent Supplement Program (Rent Supp), the Rental Assistance Program (RAP), or the Section 202 Project Rental Assistance Contract (202 PRAC) program, to assistance under a project-based subsidy contract under section 8 of the 1937 Act. The program has a competitive component and a non-competitive component, but no new funding is appropriated for these conversions.

The competitive component initially allowed conversion of up to 60,000 units from the Section 9 account (for public housing conversions) or from the Project-Based Rental Assistance (PBRA) account (amounts appropriated for mod rehab) for Mod Rehab conversion to long-term Section 8 rental assistance contracts or project-based voucher contracts. The Consolidated and Further

Continuing Appropriations Act, 2015 (Public Law 113-235, approved December 16, 2014) increased the initial 60,000 cap to 185,000. This cap was increased again to 225,000 units Temporary Programs

through the Consolidated Appropriations Act, 2017 (Public Law 115-31, approved May 5,

2017) and again to 455,000 units by the Consolidated Appropriations Act, 2018 (Public Law

115-141, approved March 23, 2018). The conversions are administered by public housing agencies and other qualified entities.

The non-competitive component allows Mod Rehab and 202 PRAC property owners to convert assistance to long-term Section 8 rental assistance contracts or project-based voucher contracts.

The Consolidated Appropriations Act, 2016 (Public Law 114-113, approved December 18, 2015) made the authority for the non-competitive component permanent.

Website: For technical assistance, see https://www.hudexchange.info/programs/rad/

Project Rental Assistance Demonstration (PRA Demo)

The Consolidated and Further Continuing Appropriations Act, 2012 authorized the use of funds for a Project Rental Assistance Demonstration Program, (PRA Demo) for State housing finance agencies and other appropriate entities as authorized under section 811(b)(3) of the Cranston-

Gonzalez National Affordable Housing Act (42 U.S.C. 8013(b)(3)). Under this program, State housing agencies that have entered into partnerships with State health and human services and Medicaid agencies can apply for Section 811 Project Rental Assistance for new or existing affordable housing developments funded by Low-Income Housing Tax Credits (LIHTC), HOME, or other sources of funds. Under the State health care/housing agency partnership, the health care agency must develop a policy for referrals, tenant selection, and voluntary service delivery to ensure that this housing is targeted to a population most in need of affordable supportive housing. This Section 811 assistance comes in the form of project rental assistance alone. No funds are available for construction or rehabilitation.

Website: For technical assistance, see https://www.hudexchange.info/programs/811-pra/

Consolidated and Further Continuing Appropriations Act, 2015

(Public Law 113-235, approved December 16, 2014)

Tribal HUD-VASH

The Tribal HUD-Veterans Affairs Supportive Housing program (Tribal HUD-VASH) provides rental assistance and supportive services to Native American veterans who are homeless or at risk of homelessness living on or near a reservation or other Indian areas. Housing assistance is either tenant-based or project-based and is made available by grants to tribes and tribally designated housing entities (TDHEs) that are eligible to receive Indian Housing Block Grant funding under the Native American Housing Assistance and Self Determination Act of 1996.

Eligible homeless veterans receive case management services through the Department of Veterans Affairs (VA). A Tribe or TDHE should work with the local VA medical center (VAMC) to determine how case management will be delivered to participating veterans. VA may provide these services directly through the local VAMC, or through a Community-Based Outpatient Clinic (CBOC). Alternatively, the VA may engage in a contractual relationship with a tribal healthcare provider or the Indian Health Service (IHS) for service delivery. A tribe/TDHE Temporary Programs

may partner with VA to provide office space within the tribal area for the VA caseworker to operate. Additionally, VA, in coordination with the tribe/TDHE may partner with IHS to provide space for VA case management activities at an IHS facility. Native American veterans participating in this program will be housed based on a Housing First approach, where homeless veterans are provided housing assistance and then offered the supportive services that may be needed to foster long-term stability and prevent a return to homelessness.

The program was funded again in the Consolidated Appropriations Act, 2017 (Public Law 115-

31, approved May 5, 2017), the Consolidated Appropriations Act, 2018 (Public Law 115-141,

approved March 23, 2018), the Consolidated Appropriations Act, 2019 (Public Law 116-6,

approved February 15, 2019), and the Further Consolidated Appropriations Act, 2020 (Public

Law 116-94).

Website: https://www.hud.gov/program_offices/public_indian_housing/ih/tribalhudvash

Carl Levin and Howard P. “Buck” McKeon National Defense Authorization

Act for Fiscal Year 2015

(Public Law 113-291, approved December 19, 2014)

Veterans Housing Rehabilitation and Modification Pilot Program for Low-Income and

Veterans with Disabilities (VHRMP)

Section 1079 of the FY2015 National Defense Authorization Act (38 U.S.C. 2101 note) directs the Secretary to award grants to qualified nonprofit organizations to rehabilitate and modify the primary residence of eligible veterans. This demonstration is conducted with the Secretary of Veterans Affairs to meet the needs of veterans. Grant funds can be used to retrofit the home for a veteran with a disability, including to make the home accessible, make repairs, or install energy efficient features or equipment. Organizations receiving funds must match at least 50 percent of the grant funds.

The program was funded in 2016 and subsequent appropriations acts.

Website: For technical assistance, see https://www.hudexchange.info/programs/rural/veterans-

housing-rehabilitation-and-modification-pilot-program/

Fixing America’s Surface Transportation Act

(Public Law 114-94, approved December 4, 2015)

Energy and Water Conservation Demonstration Program

This demonstration program authorized the Secretary to enter into budget-neutral performance-based agreements in fiscal years 2016 through 2019 to reduce energy or water costs in multifamily buildings assisted by HUD. Participating entities are to carry out improvement projects at the properties, and then should savings be realized, the entity will receive payments of a portion of the savings achieved.

Temporary Programs

Consolidated Appropriations Act, 2016

(Public Law 114-113, approved December 18, 2015)

Youth Homelessness Demonstration Program

The Youth Homelessness Demonstration Program (YHDP) aims to demonstrate how a comprehensive approach to serving youth, age 24 and under, who are experiencing homelessness can reduce the number of youth experiencing homelessness and to try new strategies for serving youth experiencing homelessness. This is done by providing grants to States, counties, cities, or townships, and nonprofits on a competitive basis through a Notice of Funding Availability (NOFA) in which HUD selects communities for participation. Recipients are to serve youth experiencing homelessness, including unaccompanied and pregnant or parenting youth, where no member of the household is older than 24 by developing and implementing a community plan to prevent and end youth homelessness.

The Consolidated Appropriations Act, 2017 (Public Law 115-31), the Consolidated

Appropriations Act, 2018 (Public Law 115-141), the Consolidated Appropriations Act, 2019

(Public Law 116-6, approved February 15, 2019), the Further Consolidated Appropriations Act,

2020 (Public Law 116-94, approved December 20, 2019), and the Coronavirus Aid, Relief, and

Economic Security Act (Public Law 116-136, approved March 27, 2020) extended and revised

the program, first authorized under the Consolidated Appropriations Act, 2016 (Public Law 114-

113), permitting HUD to select, most recently, up to 25 communities within which grants will be awarded.

Website: For technical assistance, see https://www.hudexchange.info/programs/yhdp

Resident Opportunity and Self-Sufficiency (ROSS) for Education Program

The ROSS for Education Program, also known as Project SOAR (Students + Opportunities + Achievements = Results) is a demonstration program reflecting HUD’s commitment to expand educational services to youth living in HUD-assisted housing.

Project SOAR provides grant funding to public housing authorities to deploy education navigators to provide individualized assistance to public housing youth between the ages of 15-20 and their families in FAFSA completion, financial literacy and college readiness, post-secondary program applications and post-acceptance assistance. HUD awarded approximately $2 million to nine PHAs in 2016 to hire education navigators.

Website: https://www.hud.gov/program_offices/public_indian_housing/projectsoar

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act)

(Public Law 116-136, approved March 27, 2020)

Public and Indian Housing Programs

Temporary Programs

Tenant-Based Rental Assistance. The CARES Act provided $1.25 billion, available until expended, including funds for PHAs to maintain normal operations and take other necessary actions during the period that the program is impacted by COVID-19. This funding also includes administrative expenses and other expenses for Section 8 programs, including Mainstream vouchers.

The funding also provides adjustments in the calendar year 2020 Section 8 renewal funding allocations, in addition to any other appropriations available, including Mainstream vouchers, for public housing agencies that experience a significant increase in voucher per-unit costs. The CARES Act also provided for waivers and alternative requirements, and funds may be provided without competition.

Public Housing Operating Fund. The CARES Act provided $685 million, available until September 30, 2021, to prevent, prepare for, and respond to the coronavirus, including to provide additional funds for public housing agencies to maintain normal operations and take other necessary actions during the period that the program is impacted by COVID-19. Funds from all prior appropriations (other than set-asides) may be used for COVID-19 activities. The CARES Act also allows the Secretary to waive or specify alternative requirements, which shall be published in the Federal Register or other appropriate means.

Native American Programs. The CARES Act provided $300 million, available until September 30, 2024, for the Indian Housing Block Grant (IHBG) program authorized under title I of the

Native American Housing Assistance and Self-Determination Act of 1996 (NAHASDA) (25

U.S.C. 4111 et seq.), and under title I of the Housing and Community Development Act of 1974

with respect to Indian tribes (42 U.S.C. 5306(a)(1)). IHBG funds will be distributed using the same formula as was used for the FY20 IHBG program, while ICDBG funds will be awarded without competition as ICDBG Imminent Threat grants. The law provided broad statutory and regulatory waiver authority for both programs, which were announced implemented through PIH Notices. These waivers, including lifting the normal cap on public services spending in the ICDBG program, applies to funding under the CARES Act as well as funding for these programs under the FY20 appropriation.

Community Planning and Development Programs

Housing Opportunity for Persons with AIDS (HOPWA). The CARES Act provided $65 million to remain available until September 30, 2021, for additional HOPWA funds to maintain operations and for rental assistance, supportive services, and other necessary actions, in order to prevent, prepare for, and respond to coronavirus disease (COVID-19). The Act also provided for

amounts allocated pursuant to section 854(c)(5) of the AIDS Housing Opportunity Act (42

U.S.C. 12903(c)(5)) to remain available until September 30, 2022. Specifically, the amounts allocated under the CARES Act may be used to: self-isolate, quarantine, or to provide other COVID-19 infection control services as recommended by the CDC for household members not living with HIV/AIDS; provide relocation services, including to provide lodging at hotels, motels, or other locations, for persons living with HIV/AIDS and household members not living

with HIV/AIDS. Notwithstanding section 856(g) of the AIDS Housing Opportunity Act (42

U.S.C. 12905(g)), a grantee may use up to six percent of its award under this Act for Temporary Programs

administrative purposes, and a project sponsor may use up to 10 percent of its subaward under this Act for administrative purposes.

Community Development Block Grant (CDBG). The CARES Act provided $5 billion, available until September 30, 2022, for the CDBG program to enable nearly 1,240 States, counties, and cities, and units of local government, to rapidly respond to COVID-19 and the economic and housing impacts caused by it, including the expansion of community health facilities, child care centers, food banks, and senior services. Of the amounts provided, the CARES Act allocated $2 billion to States and units of local governments that received an allocation under the fiscal year 2020 CDBG formula, $1 billion to States to support a coordinated response across entitlement and non-entitlement communities, and $2 billion to States and units of local government, cities and counties based on the prevalence and risk of COVID-19 and related economic and housing disruption.

To quickly deploy resources and meet the unique response needs to COVID-19, the CARES Act eliminated the cap on the amount of funds a grantee can spend on public services, authorized virtual public hearings to fulfill applicable public hearing requirements national and local authorities recommend social distancing and limiting public gatherings, and allowed grantees to be reimbursed for COVID-19 response activities regardless of the date the costs were incurred. This funding built on $6.7 billion provided in fiscal years 2019 and 2020 by allowing grantees to combine prior year funds with new funding in order to prevent, prepare for, and respond to COVID-19.

Emergency Solutions Grants (ESG). The CARES Act included $4 billion, available until September 30, 2022, to prevent, prepare for, and respond to coronavirus among individuals and families who are homeless or receiving homeless assistance, and to support additional homeless assistance and homeless prevention activities to mitigate the impacts created by coronavirus.

Housing Programs

Project-Based Rental Assistance. The CARES Act provided $1 billion, available until expended, for assistance to owners or sponsors of properties receiving project-based assistance

pursuant to section 8 of the United States Housing Act of 1937 (42 U.S.C. 1437f et seq.). The law allowed for the Secretary to grant waivers of any statute or regulation connected with such program through the Federal Register or other appropriate means.

Housing for the Elderly. The CARES Act provided $50 million, available until September 30, 2023, to prevent, prepare for, and respond to coronavirus, including to provide additional funds to maintain normal operations and take other necessary actions during the period that the program is impacted by coronavirus, for assistance to owners and sponsors of properties

receiving project-based assistance pursuant to section 202 of the Housing Act of 1959 (12 U.S.C.

1701q). The law provided for $10 million of such funds to be for service coordinators and the continuation of existing congregate service grants for residents of assisted housing projects. The CARES Act also allows HUD to waive or specify alternative requirements which shall be published in the Federal Register or other appropriate means.

Housing for Persons with Disabilities. The CARES Act provided $15 million, available until September 30, 2023, to prevent, prepare for, and respond to coronavirus, including to provide additional funds to maintain normal operations and take other necessary actions during the period that the program is impacted by coronavirus for assistance to owners or sponsors of Temporary Programs

properties receiving project-based assistance pursuant to section 811 of the Cranston-Gonzalez

National Affordable Housing Act (42 U.S.C. 8013). The CARES Act also allows the Secretary to waive or specify alternative requirements which shall be published in the Federal Register or other appropriate means.

Fair Housing and Equal Opportunity

Fair Housing Activities. The CARES Act provided $1.5 million for contracts, grants, and other assistance for the Fair Housing Assistance Program’s Partnership fund and Special Enforcement Effort fund to address fair housing issues relating to COVID-19. The law also provided $1 million for the Fair Housing Initiatives Program for education and outreach activities to educate the public about fair housing issues related to COVID-19. This funding was designated to remain available until September 30, 2021.

Related Agencies

Related Agencies2

NeighborWorks America

Provides financial support, technical assistance, and training for community-based revitalization efforts.

Nature of Program: NeighborWorks helps to create opportunities for lower-income people to live in affordable homes in safe, sustainable neighborhoods that are healthy places for families to grow. NeighborWorks does so through work on homes and financing, and its Community Building & Engagement (CB&E) program. Through work on homes and financing, NeighborWorks provides strategic and technical consultation, training, and targeted investments to member organizations and others who help modest-income residents secure safe, affordable housing, both rented and owned. Through its CB&E program, NeighborWorks offers grant resources, peer-learning opportunities, and organizational mentoring to NeighborWorks organizations that are engaged in resident leadership development, community building, and support for resident-led groups and activities. Over 240 organizations comprise NeighborWorks’s network, and NeighborWorks conducts annual reviews using stringent membership criteria.

The NeighborWorks Center for Homeownership Education and Counseling works with HUD to develop and provide training for housing counselors, such as training for HUD’s Home Equity Conversion Mortgage (HECM) program. NeighborWorks’ board of directors is determined by statute and consists of the head of the financial regulatory agencies and HUD, who are presidential appointees subject to Senate confirmation, or their statutorily designated representatives. The Secretary for HUD (or the Secretary’s designee) is a member of the NeighborWorks Board of Directors.

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, doing business as NeighborWorks America, 999 North Capitol St., NE, Suite 900, Washington, DC 20002-4684.

Website: http://www.neighborworks.org

Current Status: Active.

2 The agencies included under this section are paired with HUD as “related agencies” in appropriations bills.

Related Agencies

U.S. Interagency Council on Homelessness

Promotes and coordinates the Federal response to homelessness and national partnerships that work to reduce and end homelessness.

Nature of Program: The U.S. Interagency Council on Homelessness is an independent establishment in the Executive Branch, consisting of 19 Federal Cabinet secretaries and agency heads. The chairperson and vice chairperson are elected annually from among the Council members.

The Council works with its partners to: establish and maintain effective, coordinated, and supportive relationships with every agency; organize and support States and communities to effectively implement local plans to end homelessness; develop an effective portal to Federal programs and initiatives; monitor, evaluate, and recommend improvements in serving those experiencing homelessness and disseminate best practices; and provide professional and technical assistance to States, local governments, and other public and private nonprofit organizations.

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, 1275 First Street, NE, Suite 227, Washington, DC 20552. Telephone: (202) 708-4663.

Information Sources: Office of U.S. Interagency Council on Homelessness.

Website: https://www.usich.gov/

Current Status: Active.

Inactive Programs

Inactive Programs

Inactive programs are defined as those programs that received new, appropriated funding since 2011, but as of FY 2020, are receiving no new funds or funds only for renewal of existing grants or commitments.

Community Planning and Development

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.

Website: https://archives.hud.gov/offices/cpd/economicdevelopment/edi/index.cfm

Empowerment Zones. Tax incentives for renewal of economically disadvantaged areas. Authority for the tax credits expired on December 31, 2011.

Website: https://www.hud.gov/hudprograms/empowerment_zones

HOPE for Homeowners. HERA established the HOPE for Homeowners program, under a new section 257 of the National Housing Act. HOPE for Homeowners was a voluntary program to help borrowers having difficulty paying their mortgages to refinance into FHA-insured mortgages they could afford. The HOPE for Homeowners program ended on September 30, 2011.

Website: https://www.fha.com/hope_for_homeowners

Public and Indian Housing

Juvenile Reentry Assistance Program. The Juvenile Reentry Assistance Program sought to alleviate collateral consequences associated with a juvenile or criminal record by assisting youth, up to age 24, residing in public or Section 8-assisted housing; or youth who would be residing in public or Section 8-assisted housing but for their criminal record. As a one-time transfer, the Department of Justice’s Office of Juvenile Justice and Delinquency Prevention transferred through Interagency Agreement approximately $2.05 million to HUD for the specific purpose of helping youth to improve chances for reentry, reduce recidivism and address the challenges youth face while trying to reintegrate into their communities. The program expired in 2019.

Housing/Federal Housing Administration

FHA-Home Affordable Modification Program (FHA-HAMP). FHA-HAMP was an enhanced loss mitigation option that combined a loan modification with a partial claim, allowing homeowners to reduce monthly mortgage payment options and avoid foreclosure. Please note that FHA also uses this term to describe one of its current loss mitigation waterfall options.

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.

Inactive Programs

Mortgage Insurance for Condominium Units (Section 234(c)). This provides mortgage insurance for the purchase only of individual condominium units constructed under a blanket mortgage under section 234(d). Almost all FHA mortgage insurance for individual condominiums is now provided under section 203(b).

Housing in Military Impacted Areas (Section 238). Federal mortgage insurance for housing in areas affected by military installations. A final rule published on February 16, 2012 at 77 FR 9177, suspended the Section 238(c) Single-Family Mortgage Insurance program. Borrowers that would have been served under the program are served equally well under the section 203(b) of the National Housing Act (12 U.S.C. 1709(b)).

Multifamily Housing Programs

Assisted-Living Conversion Program (ALCP). Competitive 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 residents to age in place. A NOFA was last published for FY2013.

Website: https://www.hud.gov/program_offices/housing/mfh/progdesc/alcp

Congregate Housing Services Program (CHSP). Federal grants to eligible housing projects for the elderly and disabled. HUD has neither solicited nor funded application for new grants under CHSP since 1995, but Congress has provided funds to extend expiring grants on an annual basis.

Common Program Names

Common Program Names

Common Program Names Table

Title Program Name

Statute

I Community Development Block Grants Housing and Community Development

Act of 1974

I Property Improvement Loans and Manufactured National Housing Act

Home Loans

II Non-Discrimination on the Basis of Disability by Americans with Disabilities Act

Public Entities in Housing-Related Programs,

Services, and Activities

VI Equal Opportunity in HUD-Assisted Programs Civil Rights Act of 1964

VI Title VI Loan Guarantee Program Native American Housing Assistance

and Self-Determination Act of 1996

VIII Fair Housing

Civil Rights Act of 1968

X Lead Hazard Control

Housing and Community Development

Act of 1992

XI Group Practice Medical Facilities Title XI of the National Housing Act

Section Program Name

Statute

3 Economic Opportunities for Low- and Very Housing and Urban Development Act of

Low-Income Persons

1968

8 Low-Income Rental Assistance U.S. Housing Act of 1937

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 Insurance National Housing Act

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- and National Housing Act

Moderate-Income Families

221(d)(3) Multifamily Rental Housing for Moderate- National Housing Act

Income Families

223(f) Existing Multifamily Rental Housing National Housing Act

231 Mortgage Insurance for Housing for the Elderly National Housing Act

232 Nursing Homes, Intermediate Care Facilities, National Housing Act

and Board and Care Homes

234 Condominium Housing

National Housing Act

242 Hospitals

National Housing Act

255 Home Equity Conversion Mortgage (HECM) National Housing Act

Common Program Names

Section Program Name

Statute

504 Non-Discrimination on the Basis of Disability in Rehabilitation Act of 1973

HUD-Assisted Programs

811 Supportive Housing for Persons with Disabilities Housing Act of 1959

Federal Housing Administration – Multifamily Housing Programs

Common Program Names Index

Appropriations, 2012 .............................. 102 Good Neighbor Next Door........................ 32

PRA Demo ......................................... 103 Healthy Homes and Lead Hazard Control

RAD .................................................... 102 ............................................................. 100

Appropriations, 2015

HECM ....................................................... 33

Tribal HUD-VASH ............................ 103 HERA ...................................................... 102

Appropriations, 2016

Hope for Homeowners ....................... 111

Youth Homelessness Demo ................ 105 Tax Credit Pilot .................................. 102

Assisted-Living Conversion Program ..... 112 HOME Investment Partnerships ............... 23 Book-Rich Environments Initiative .......... 64 Housing Choice Voucher Program ........... 68 Capacity Building for Community Housing Counseling Program ................... 63

Development and Affordable Housing ... 8 Housing Opportunities for Persons With

Choice Neighborhoods.............................. 65 AIDS ..................................................... 25 CHSP....................................................... 112 Housing Trust Fund .................................. 26 Community Development Block Grants Indian Housing Block Grants.................... 80

(CDBG)

Interagency Council on Homelessness ... 110

Disaster Recovery Assistance ................ 9 Jobs Plus.................................................... 71

Entitlement ........................................... 11 Loss Mitigation ......................................... 36

For Insular Areas .................................. 13 MAHRA .................................................... 56

Indian .................................................... 79 Manufactured Home Construction and

Non-Entitlement for States and Small Safety Standards.................................... 45

Cities ................................................ 14 Mark-to-Market Program .......................... 46

Section 108 Loan Guarantee ................ 16 Moving to Work ........................................ 72

Competitive EDI Grants ......................... 111 Multifamily Housing Service Coordinators ConnectHomeUSA ................................... 66 ............................................................... 53 Continuum of Care Program ..................... 18 Native Hawaiian Housing Block Grants ... 83 DASP ........................................................ 44 Neighborhood Networks ........................... 73 Davis-Bacon and Labor Standards ............ 95 Neighborhood Reinvestment Corporation Defense Authorization, 2015

............................................................. 109

Veteran Home Repair Demo .............. 104 Policy Development and Research ........... 94

Emergency Solutions Grants (ESG) ......... 19 Project-Based Vouchers ............................ 74 Empowerment Zones .............................. 111 Public Housing Capital Fund .................... 75 Energy Efficient Mortgage Program ......... 31 Public Housing Operating Fund................ 77 EnVision Center Demonstration ................. 6 ROSS......................................................... 78 Equal Opportunity ..................................... 85 Rural Capacity Building ........................... 27 Fair Housing Act ....................................... 89 Rural Housing Stability Assistance .......... 28 Fair Housing Assistance (FHAP).............. 91 Section 184................................................ 81 Fair Housing Initiatives (FHIP) ................ 92 Section 184A ............................................. 82 Family Self-Sufficiency ............................ 67 Section 202................................................ 57 FAST Act

Section 203(b) ........................................... 39

Energy and Water Conservation Demo Section 203(h) ........................................... 38

........................................................ 104 Section 203(k) ........................................... 42

Ginnie Mae

Section 204(g) ........................................... 43

Mortgage-Backed Securities I .............. 97 Section 207 (Manufactured Homes) ......... 48

Multiclass Securities ............................. 98 Section 207/223(f) .................................... 49 Common Program Names

Section 213................................................ 47 Section 3.................................................... 96 Section 220................................................ 51 Section 32.................................................. 76 Section 221(d)(3) and (4) .......................... 55 Section 542(b) and (c) ............................... 54 Section 223(e) ......................................... 111 Section 811................................................ 59 Section 231................................................ 50 Self-Help Housing Property Disposition .. 30 Section 232................................................ 62 Shelter Plus Care (S+C) ............................ 21 Section 232/223(f) .................................... 62 SHOP ........................................................ 29 Section 234(c) ......................................... 112 Single Room Occupancy (SRO) ............... 21 Section 238 .............................................. 112 Title I

Section 241................................................ 52 Manufactured Homes Loan Insurance . 37 Section 242................................................ 61 Property Improvement Loan Insurance 41 Section 247................................................ 35 Title V ....................................................... 20 Section 248................................................ 40 Title VI ...................................................... 84 Section 251................................................ 34

Table of Contents

Office of the Secretary ............................................................................

The Violence Against Women Act .....................................................................

Community Planning and Development (CPD) ...........................................................

Community Development Block Grant Disaster Recovery (CDBG-DR) Assistance .........9

Community Development Block Grants (CDBG) (Entitlement).......................................11

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

Community Development Block Grants (Non-Entitlement) for States and Small Cities .14

Community Development Block Grants (Section 108 Loan Guarantee) ..........................16

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

Emergency Solutions Grants (ESG) Program............................................................

Federal Surplus Property for Use to Assist Persons Experiencing Homelessness (Title V)

Homeless Assistance Programs Previously Authorized under the McKinney-Vento

HOME Investment Partnerships .......................................................................

Housing Opportunities for Persons With AIDS (HOPWA) ..............................................25

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

Rural Capacity Building for Community Development and Affordable Housing Grants

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

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

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

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

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

Home Equity Conversion Mortgage (HECM) (Section 255) ............................................33

Insurance for Adjustable Rate Mortgages (ARMs) (Section 251).....................................34

Insured Mortgages on Hawaiian Home Lands (Section 247) ............................................3

Loss Mitigation ....................................................................................

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

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

Mortgage Insurance for One- to Four-Family Homes (Section 203(b)) ............................39

Mortgage Insurance Programs on Indian Reservations and Other Restricted Lands

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

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

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

Single Family Distressed Asset Sale Stabilization Program (DASP) ................................44

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

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

Mortgage Insurance for Cooperative Housing (Section 213) ...........................................

Mortgage Insurance for Manufactured Home Parks (Section 207) ...................................48

Mortgage Insurance for Purchase or Refinance of Existing Healthcare and Multifamily

Mortgage Insurance for Rental Housing for the Elderly (Section 231) .............................50

Mortgage Insurance for Rental Housing for Urban Renewal and Concentrated

Mortgage Insurance for Supplemental Loans for Multifamily and Healthcare Projects

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

Multifamily Mortgage Risk-Sharing Programs (Sections 542(b) and 542(c)) ..................54

Multifamily Rental Housing for Moderate-Income Families (Section 221(d)(3) and (4))

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

Supportive Housing for the Elderly (Section 202) and the Supportive Service

Supportive Housing for Persons with Disabilities (Section 811) and the Section 811

Healthcare Programs ................................................................................

New Construction or Substantial Rehabilitation of Nursing Homes, Intermediate Care

Office of Housing Counseling .......................................................................