U.S. Department of Housing and Urban Development

PROGRAMS OF HUD

Major Mortgage, Grant, Assistance, and Regulatory Programs

2024

Table of Contents

Offices of the Secretary & Deputy Secretary ..............................................................................1

The Violence Against Women Act (VAWA) ......................................................................1

Self-Help Housing Property Disposition Program ..............................................................2

Community Planning and Development (CPD) ..........................................................................3

Capacity Building for Community Development and Affordable Housing (Section 4) .....3

Community Development Block Grant Disaster Recovery (CDBG-DR) Assistance .........4

Community Development Block Grants (CDBG) (Entitlement).........................................5

Community Development Block Grants for Insular Areas..................................................7

Community Development Block Grants (Non-Entitlement) for States and Small Cities ...8

Community Development Block Grants (Section 108 Loan Guarantee) ..........................10

Continuum of Care Program ..............................................................................................12

Emergency Solutions Grants (ESG) Program....................................................................13

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

................................................................................................................................14

HOME Investment Partnerships ........................................................................................15

Housing Opportunities for Persons with AIDS (HOPWA) ...............................................17

Housing Trust Fund ...........................................................................................................18

Rural Capacity Building for Community Development and Affordable Housing Grants

Program ..................................................................................................................19

Self-Help Homeownership Opportunity Program (SHOP) ...............................................20

Office of Housing..........................................................................................................................21

Single Family Housing Programs ..................................................................................................21

Energy Efficient Mortgage Program ..................................................................................21

Good Neighbor Next Door Sales Program (GNND) .........................................................22

Home Equity Conversion Mortgage (HECM) (Section 255) ............................................23

Insurance for Adjustable Rate Mortgages (ARMs) (Section 251).....................................24

Insured Mortgages on Hawaiian Home Lands (Section 247) ............................................25

Loss Mitigation ..................................................................................................................26

Manufactured Homes Loan Insurance (Title I) .................................................................27

Mortgage Insurance for Disaster Victims (Section 203) ...................................................28

Mortgage Insurance for One- to Four-Family Homes (Section 203) ................................29

Mortgage Insurance Programs on Indian Reservations and Other Restricted Lands

(Section 248) ..........................................................................................................30

Property Improvement Loan Insurance (Title I) ................................................................31

Rehabilitation Loan Mortgage Insurance (Section 203(k)) ...............................................32

Single Family Property Disposition Program (Section 204(g)) .........................................33

Single Family Loan Sale Program (SFLS) ........................................................................34

Risk Management and Regulatory Affairs ....................................................................................35

Manufactured Home Construction and Safety Standards ..................................................35

Multifamily Housing Programs .....................................................................................................36

Mark-to-Market Program (M2M) ......................................................................................36

Mortgage Insurance for Cooperative Housing (Section 213) ............................................37

Mortgage Insurance for Purchase or Refinance of Existing Healthcare and Multifamily

Rental Housing (Sections 207 and 223(f)).............................................................38

Mortgage Insurance for Rental Housing for the Elderly (Section 231) .............................39

Mortgage Insurance for Rental Housing for Urban Renewal and Concentrated

Development Areas (Section 220) .........................................................................40

Mortgage Insurance for Supplemental Loans for Multifamily and Healthcare Projects

(Section 241) ..........................................................................................................41

Multifamily Housing Service Coordinators .......................................................................42

Multifamily Mortgage Risk-Sharing Programs (Sections 542(b) and 542(c)) ..................43

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

................................................................................................................................44

Renewal of Section 8 Project-Based Rental Assistance ....................................................45

Supportive Housing for the Elderly (Section 202) ............................................................46

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

Project Rental Assistance (PRA) program .............................................................47

Healthcare Programs ......................................................................................................................49

Hospitals (Section 242) ......................................................................................................49

New Construction or Substantial Rehabilitation of Nursing Homes, Intermediate Care

Facilities, Board and Care Homes, and Assisted Living Facilities (Section 232) .50

Office of Housing Counseling .......................................................................................................51

Housing Counseling Program ............................................................................................51

Public and Indian Housing (PIH) ...............................................................................................52

Public Housing Programs ..............................................................................................................52

Book-Rich Environments Initiative ...................................................................................52

Choice Neighborhoods.......................................................................................................53

ConnectHomeUSA ............................................................................................................54

Family Self-Sufficiency (FSS) Program ............................................................................55

Housing Choice Voucher Program ....................................................................................56

Jobs Plus Initiative .............................................................................................................59

Moving to Work (MTW) Demonstration ..........................................................................60

Project-Based Voucher Program........................................................................................61

Public Housing Capital Fund .............................................................................................62

Public Housing Homeownership (Section 32) ...................................................................63

Public Housing Operating Fund.........................................................................................64

Resident Opportunity and Self-Sufficiency (ROSS) Service Coordinators Program ........65

Indian Housing Programs ..............................................................................................................66

Indian Community Development Block Grant (ICDBG) Program ...................................66

Indian Housing Block Grant (IHBG) Program ..................................................................67

Section 184 Indian Home Loan Guarantee Program (Section 184) ..................................68

Section 184A Native Hawaiian Housing Loan Guarantee Program (Section 184A) ........69

Native Hawaiian Housing Block Grant (NHHBG) Program .............................................70

Tribal Housing Activities Loan Guarantee Program (Title VI) .........................................71

Fair Housing and Equal Opportunity ........................................................................................72

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) ..........................................................................72

Fair Housing Act (Title VIII) .............................................................................................76

Fair Housing Assistance Program (FHAP) ........................................................................78

Fair Housing Initiatives Program (FHIP) ..........................................................................79

Policy Development and Research (PD&R) ..............................................................................81

Policy Development and Research Initiatives ...................................................................81

Community Compass Technical Assistance and Capacity Building Program ..................82

Distressed Cities Technical Assistance (DCTA) Program ................................................83

Thriving Communities Technical Assistance Program .....................................................84

Eviction Protection Grant Program (EPGP) ......................................................................85

Field Policy and Management (FPM) ........................................................................................86

Davis-Bacon and Labor Standards .....................................................................................86

Economic Opportunities for Low- and Very-Low Income Persons (Section 3) ...............87

Government National Mortgage Association (Ginnie Mae) ....................................................88

Ginnie Mae Single-Class Mortgage-Backed Securities .....................................................88

Ginnie Mae Multiclass Securities ......................................................................................89

Lead Hazard Control and Healthy Homes Program................................................................91

Temporary Programs ..................................................................................................................93

Housing and Economic Recovery Act of 2008 (HERA) ...............................................................93

Low Income Housing Tax Credit Pilot (Tax Credit Pilot) ................................................93

Consolidated and Further Continuing Appropriations Act, 2012 ..................................................93

Rental Assistance Demonstration (RAD) ..........................................................................93

Consolidated Appropriations Act, 2014 ........................................................................................94

Supportive Services Demonstration (IWISH) ...................................................................94

Consolidated and Further Continuing Appropriations Act, 2015 ..................................................94

Tribal HUD-VASH ............................................................................................................94

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

2015....................................................................................................................................95

Veterans Housing Rehabilitation and Modification Pilot Program (VHRMP) .................95

Consolidated Appropriations Act, 2016 ........................................................................................95

Youth Homelessness Demonstration Program ..................................................................95

The SUPPORT for Patients and Communities Act (SUPPORT Act) ...........................................96

Recovery Housing Program (RHP) ...................................................................................96

Consolidated Appropriations Act, 2019 ........................................................................................96

Mobility Demonstration (Community Choice Demonstration) .........................................96

American Rescue Plan Act of 2021 ...............................................................................................97

Inflation Reduction Act (IRA) .......................................................................................................97

Green and Resilient Retrofit Program (GRRP) .................................................................98

Consolidated Appropriations Act, 2023 ........................................................................................98

Preservation And Reinvestment Initiative for Community Enhancement (PRICE) ..........98

Pathways to Removing Obstacles to Housing (PRO Housing) .........................................98

Related Agencies ..........................................................................................................................98

NeighborWorks America ...................................................................................................98

U.S. Interagency Council on Homelessness ....................................................................100

Inactive Programs ......................................................................................................................101

Office of the Secretary .................................................................................................................101

Community Planning and Development ......................................................................................101

Public and Indian Housing ...........................................................................................................101

Housing/Federal Housing Administration ...................................................................................102

Single Family Housing Programs ....................................................................................102

Multifamily Housing Programs .......................................................................................102

Finding Aids ...............................................................................................................................103

Commonly Used Program Names Table .....................................................................................103

Program Index ..............................................................................................................................105

Offices of the Secretary & Deputy Secretary

Offices of the Secretary & Deputy Secretary

The Violence Against Women Act (VAWA)

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

Overview: The Violence Against Women Act (VAWA), among other things, provides housing protections for survivors of domestic violence, dating violence, sexual assault, and stalking.

guidance. In VAWA requires HUD to implement its housing provisions via regulations, notices, and other covered housing from participation the applicant or general, an applicant for assistance or a tenant assisted under a

program may not be denied admission to, denied assistance under, terminated in, or evicted from the housing on the basis or as a direct result of the fact that assault, or stalking, if the tenant is a survivor of domestic violence, dating violence, sexual participation, or occupancy. applicant or tenant otherwise qualifies for admission, assistance, transfer plans for facilitating Certain covered housing providers must also establish emergency domestic violence, dating the emergency relocation of certain tenants who are survivors of violence, sexual assault, or stalking. VAWA and HUD’s implementation of VAWA also provide other rights and protections with broader scope and applicability, including protection of the right to report crime or seek emergency assistance in one’s home. Applicability: Generally, the protections under HUD’s VAWA regulations apply to applicants for certain assistance or housing and tenants receiving certain assistance under programs identified as covered housing programs.

Filing a Complaint: Any individual who believes their VAWA rights have been violated may file a complaint with HUD’s Office of Fair Housing and Equal Opportunity (FHEO) in person, by mail, online, or by telephone, not later than 1 year after the alleged violation occurred or terminated. HUD will investigate and attempt to conciliate the complaint. If it is not conciliated and there is reasonable cause to believe that discrimination occurred, HUD will issue a charge on behalf of the aggrieved person. A HUD administrative law judge will hold a hearing unless either party elects to have the case heard in Federal District Court.

Legal Authority: Subtitle N of the Violence Against Women Act of 1994 (34 U.S.C. 12471, et

The Violence Against Women Act Reauthorization Act of 2022 (Public Law 117-103

March 15, 2022). seq.). Regulations are found at 24 CFR part 5, subpart L and in individual program regulations. , approved

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

Websites: For official HUD information, see: https://www.hud.gov/vawa How to File a Complaint:

https://www.hud.gov/program_offices/fair_housing_equal_opp/VAWA#file_a_complaint Offices of the Secretary & Deputy Secretary

Self-Help Housing Property Disposition Program

This program 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: States, State political subdivisions or instrumentalities, and nonprofit organizations that exist for the primary purpose of providing housing or housing assistance for low-income individuals or families are eligible.

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

Administration at Information Source: Information on specific properties is available from the General Services

https://disposal.gsa.gov/s/

Community Planning and Development (CPD)

Community Planning and Development (CPD)

Capacity Building for Community Development and Affordable Housing (Section 4)

Grants to national intermediaries to develop the capacity and ability of community development corporations (CDCs) and community housing development organizations (CHDOs) to carry out persons. community development and affordable housing activities that benefit low-income families and 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 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 this section. families. Private sources must match three times the amount of any assistance provided under Program funds may be used for the following: (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 activities1 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 (42 U.S.C. 9816 note).

Websites: Information Source: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/section-4

building/ For technical assistance, see https://www.hudexchange.info/programs/section-4-capacity-

March 23, 2018) ( 1 Authority for rural capacity building is the Consolidated Appropriations Act, 2018 (Public Law 115-141, approved

https://www.congress.gov/115/plaws/publ141/PLAW-115publ141.pdf). Community Planning and Development (CPD)

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

Flexible grants to help the most impacted and distressed areas recover after 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 that can be used 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 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 or on HUD’s website, as directed by statute. Generally, CDBG program requirements in title I of the

Housing and Community Development Act of 1974 and 24 CFR part 570 apply unless modified by an appropriations statute, HUD-established waiver, or alternative requirement; however,

environmental review. CDBG-DR assistance is also subject to applicable requirements in

part 200 HUD may not waive requirements related to fair housing, nondiscrimination, labor standards, or 2 CFR

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 individuals, households, businesses, communities, and neighborhoods that otherwise might not recover due to limits on other resources. CDBG-DR grants supplement other Federal disaster 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 recipient eligibility. Recent CDBG-DR appropriations have included States, local governments, and Tribes as eligible recipients and limited the use of funds to the 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: CDBG-DR assistance is largely governed by specific appropriations acts, most

recently Public Law 117-328, and it is also subject to 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) and certain provisions of the Robert T. Stafford Disaster

Relief and Emergency Assistance Act (42 U.S.C. 5121, et seq.). Development. Information Sources: HUD field offices and HUD’s Office of Community Planning and Websites: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/cdbg-dr

For technical assistance, see https://www.hudexchange.info/programs/cdbg-dr/ Community Planning and Development (CPD)

Community Development Block Grants (CDBG) (Entitlement)

development needs. Funding to help metropolitan cities and urban counties meet their housing and community 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. Some 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 (HOME), 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 3 years, will be used for activities that benefit low- and moderate-income persons, and that they will affirmatively further fair housing. 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.

383 Legal Authority: Title I, Housing and Community Development Act of 1974 (Public Law 93-

CDBG Program regulations are at 24 CFR part 570

CFR part 91 , approved August 22, 1974) (42 U.S.C. 5301, et seq.). and Consolidated Plan Regulations are at 24

Information Sources: . Local officials and HUD field offices. Community Planning and Development (CPD)

Websites: For official HUD information, see https://www.hud.gov/program_offices/comm_planning/cdbg

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

Community Planning and Development (CPD)

Community Development Block Grants for Insular Areas

Nature of Program: Funding to help certain U.S. territories meet their housing and community development needs. 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, but are not limited to, the following: (1) acquisition of real property; (2) relocation payments and assistance; (3) clearance, demolition, and removal of buildings and improvements; (4) rehabilitation of residential and nonresidential properties; (5) provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; (6) public services, within certain limits; (7) activities relating to energy conservation and renewal energy resources; and (8) 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.)

Act of 1974 Funding Distribution: Under section 106(a)(2) of the Housing and Community Development

for grants to insular areas. (42 U.S.C. 5306(a)(2)), $7 million of the annual CDBG appropriation is allocated

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

. CFR part 91 CDBG Program regulations are at 24 CFR part 570 and Consolidated Plan Regulations are at 24 Information Sources: Local officials and HUD field offices.

Websites: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/cdbg

For technical assistance, see https://www.hudexchange.info/programs/cdbg-insular-areas/ Community Planning and Development (CPD)

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 the following: (1) acquisition of real property; (2) relocation payments and assistance; (3) clearance, demolition, and removal of buildings; (4) rehabilitation of residential and nonresidential properties; (5) provision of public facilities and improvements, such as water and sewer, streets, and neighborhood centers; (6) public services, within certain limits; (7) activities relating to energy conservation and renewable energy resources; and (8) 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.

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

CFR part 91 CDBG program regulations are at 24 CFR part 570 and Consolidated Plan regulations are at 24

.

Information Sources: States and HUD field offices.

Websites: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/cdbg Community Planning and Development (CPD)

For technical assistance on State-Administered CDBG, see

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

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

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

Community Planning and Development (CPD)

Community Development Block Grants (Section 108 Loan Guarantee)

Loan guarantee assistance for community and economic development. Nature of Program: The Section 108 program is the loan guarantee component of the Community Development Block Grant (CDBG) program. Under this program, 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 of up to 20 years.

Eligible activities include, but are not limited to, the following: (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-Community Planning and Development (CPD)

entitlement communities and apply directly to HUD for loan guarantee assistance if authorized by the appropriations acts or other laws.

U.S.C. 5308 Legal Authority: Section 108 of the Housing and Community Development Act of 1974 (42

Regulations are at ). 24 CFR part 570.

Websites: Information Sources: HUD field offices.

For official HUD information, see

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

https://www.hud.gov/program_offices/comm_planning/section108

Community Planning and Development (CPD)

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), project administration costs, relocation costs, and indirect 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. Generally, project applications for each CoC are rated and ranked by a Collaborative Applicant designated by the CoC and submitted to HUD as a single application for the CoC. Recipients or subrecipients must match all grant funds, other sources. except for leasing funds, with no less than 25 percent of funds or in-kind contributions from Applicant Eligibility: Private nonprofit organizations, States, local governments, instrumentalities of State or local governments, public housing agencies, and Indian Tribes and Tribally designated housing entities (TDHEs) are eligible to apply for projects.

U.S.C. 11381-11389 Legal Authority: Subtitle C of Title IV of the McKinney-Vento Homeless Assistance Act (42

Regulations are at ). 24 CFR part 578.

Information Sources: HUD field offices.

Websites: For official HUD information, see . and

https://www.hud.gov/program_offices/comm_planning/coc

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

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

Community Planning and Development (CPD)

Emergency Solutions Grants (ESG) Program

Grants to provide emergency assistance to people who are homeless or at risk of homelessness

Nature of Program: and help them quickly regain stability in permanent housing. 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 and reporting. can be used for administrative activities, such as program management, oversight, coordination, Applicant Eligibility: States (including Puerto Rico), metropolitan cities (including the District of Columbia), urban counties, and U.S. territories are eligible. Metropolitan cities and urban counties are eligible to receive ESG funds if, after applying the formula, their allocation is greater than 0.05 percent of the total funds appropriated for the applicable fiscal year. Otherwise, that amount is added to the allocation for the State in which the city or county is located. 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.

U.S.C. 11371-11378 Legal Authority: Subtitle B of Title IV of the McKinney-Vento Homeless Assistance Act (42

Regulations are at ). 24 CFR part 576.

Information Sources: Local HUD field offices.

Websites: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/esg

For technical assistance, see https://www.hudexchange.info/homelessness-assistance/ Community Planning and Development (CPD)

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

Enables States, local governments, and qualified 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 to determine which of these properties 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 HUD’s website. If a property is listed on the Suitability Determination Listing as suitable and available, eligible applicants have 30 calendar days from the date the suitability determination was posted to notify the Department of Health and Human Services (HHS) in writing of its interest in a property. HHS is the Federal agency responsible for coordination of disposal of Federal real property to qualified applicants for the Title V program. If a property is listed on the Suitability Determination Listing as unsuitable, a homeless service provider has 20 calendar days from the date the suitability determination is posted to submit an appeal request to HUD. Properties are available for transfer by a no-cost lease, permit, or deed. Leases and permits will be for a period of at least 1 year unless the applicant requests a shorter term.

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

Regulations are at 42 U.S.C. 11411). 24 CFR part 581.

eligible. Applicant Eligibility: States, local governments, and qualified nonprofit organizations are Information Sources: HUD’s Office of Special Needs Assistance Programs, General Services Administration, and HHS. Further information on a specific property is available from the

title5@hud.gov landholding agency. For the name and contact for Federal landholding agencies, email

or call (800) 927-7588.

Websites: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/titlev

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

Community Planning and Development (CPD)

HOME Investment Partnerships

Grants to States, units of general local government, consortia, and insular areas (“participating jurisdictions”) 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 Investment Partnerships (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, acquisition, and new construction of affordable housing. In new construction and rehabilitation projects, HOME funds may pay for necessary and reasonable costs related to the development of non-luxury housing, including site improvements, demolition, relocation, and costs to meet accessibility requirements. Funds may not be used for public housing development, public housing operating costs, or for Section 8 tenant-based assistance, nor may HOME funds 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 HOME tenant-based rental assistance and HOME-assisted 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 area median income limits, 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 annual 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) are eligible. 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.

A local jurisdiction that does not qualify for a direct allocation under the formula can join with one or more neighboring localities in a legally binding consortium so that their combined allocation amount then meets the threshold for a direct allocation to the consortium. Other localities may participate in HOME by applying for program funds made available by their State. Community Planning and Development (CPD)

Congress sets aside a pool of funding, equivalent to the greater of $750,000 or 0.2 percent of

Legal Authority: appropriated funds, which HUD distributes among insular areas.

12721 Title II of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. .

Regulations are at , et seq.). 24 CFR part 92 and Consolidated Plan Regulations are at 24 CFR part 91 Information Sources: HUD local field offices and State and participating jurisdictions.

Websites: For official HUD information, see

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

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

Community Planning and Development (CPD)

Housing Opportunities for Persons with AIDS (HOPWA)

Formula grants and competitively awarded grants to provide housing assistance and related their families. supportive services to meet the housing needs of low-income persons living with HIV/AIDS and Nature of Program: The HOPWA program provides grantees 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, which reduces risks of homelessness, improves health outcomes through increased access to care, and reduces an individual’s HIV risk. Generally, persons living with HIV/AIDS and their families who are low-income (at or below 80 percent of area median income) are eligible for assistance. 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 in conjunction with 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.

CFR 574.3 Applicant Eligibility: Formula – States and units of general local government, as defined at 24

organizations are eligible. are eligible. Competitive – States, units of general local government, and nonprofit Funding Distribution: Ninety percent of HOPWA funds go toward formula grants to States and units of general local governments 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-

Regulations are at Gonzalez National Affordable Housing Act (42 U.S.C. 12901, et seq.).

24 CFR part 574.

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

Website: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/hopwa

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

Community Planning and Development (CPD)

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 buy-downs. rehabilitation; down payment assistance, closing cost assistance, and assistance for interest rate 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 at or 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, and States may then distribute the money according to a State plan to State-designated entities or subgrantees for further organizations. distribution within a State, or directly to qualified recipients, such as nonprofit and for-profit 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

Regulations are at Soundness Act of 1992 as amended (12 U.S.C. 4568). and Consolidated Plan Regulations are at 24 CFR part 91.

24 CFR part 93

Information Source: Website: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/htf

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

Community Planning and Development (CPD)

Rural Capacity Building for Community Development and Affordable Housing Grants

Program

Grants to national organization intermediaries for rural housing development organizations, community development corporations (CDCs), community housing development organizations (CHDOs), local governments, and Indian Tribes to carry out community development and areas. affordable housing activities that benefit low- and moderate-income families and persons in rural 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 10 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, CDCs, CHDOs, local governments, and Indian Tribes that serve rural areas. Rural Capacity Building program funds are limited to three eligible activities that beneficiaries. include providing training and education, financial assistance, and technical assistance to eligible

Legal Authority: Consolidated Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

Information Source: Websites: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/section-4

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

Community Planning and Development (CPD)

Self-Help Homeownership Opportunity Program (SHOP)

housing. Grants to national and regional nonprofits to fund opportunities for self-help homeownership Nature of Program: Under the SHOP program, HUD awards competitive grants to national and regional nonprofit organizations and consortia that have 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.

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

).

Information Source:

Websites: For official HUD information, see

https://www.hud.gov/program_offices/comm_planning/shop

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

Office of Housing

Office of Housing

Single Family Housing Programs

Energy Efficient Mortgage Program

Mortgage insurance to finance the cost of energy efficiency measures. Nature of Program: The Federal Housing Administration’s (FHA) Energy Efficient Mortgage program helps homebuyers and homeowners save money on utility bills by enabling them to finance the cost of adding energy efficient 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, provided 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 (down payment) in the property based on the lesser of the sales price or the 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 annually. maximum mortgage amount for a single family unit depends on its location and is adjusted Applicant Eligibility: One- to four-unit existing and new properties, condominiums (one unit)

( Legal Authority: and manufactured housing are eligible. Section 513 of the Housing and Community Development Act of 1992

Regulations are at Public Law 102-550, approved October 28, 1992) (12 U.S.C. 1701z-16).

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

Website: 24 CFR 203.18(i). HUD field offices.

Office of Housing

Good Neighbor Next Door Sales Program (GNND)

Provides eligible law enforcement officers, teachers, firefighters, and emergency medical technicians with the opportunity to purchase and live in homes located in revitalization areas at a fifty percent discount off the list price of eligible properties. Nature of Program: GNND makes homes in designated revitalization areas available to eligible 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 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 they intend to continue such employment for at least 1 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 1 year prior to the time a bid for purchase is submitted,

Legal Authority: months. and the purchaser must agree to live in the HUD home as their principal residence for 36

Regulations are at Section 204 of the National Housing Act (12 U.S.C. 1710).

24 CFR part 291, subpart F.

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

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

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

Office of Housing

Home Equity Conversion Mortgage (HECM) (Section 255)

Mortgage insurance for reverse mortgages that provide borrowers who are at least 62 years old the ability to convert some of the equity in their primary residences into fixed interest rate mortgages with a single disbursement lump sum payment or adjustable rate interest mortgages with 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 either 60 percent of the initial principal limit or mandatory obligations plus 10 percent of the initial principal limit during the first 12-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 reverse 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 old, own the property outright or paid-down a consideration amount, 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 a HUD-approved HECM counselor. Any existing liens on the property must be paid off at settlement of the reverse a repayment plan. mortgage. Borrowers must either not be delinquent on any Federal debt or must have established

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

24 CFR part 206.

Website: Information Sources: HUD field offices.

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

Office of Housing

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.

Mortgagees may use the 1-year Treasury Constant Maturities Index, the 30-day average Secured Overnight Financing Rate (SOFR), or an alternative Secretary-approved SOFR tenor to determine 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 1 percentage point per year after the fixed-payment period is over, with a maximum change of 5 percentage points from the initial contract interest rate over the term of the mortgage. 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 from the initial contract interest rate over the term of the mortgage. Lenders must disclose to borrowers the terms 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.

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

24 CFR 203.49.

Website: Information Sources: HUD field offices.

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

Office of Housing

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 Hawaiians2 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 provide mortgage financing for housing on Hawaiian Home Lands. With FHA insurance, the lender’s risk is mitigated, 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 Lands and intending to use the mortgaged property as their primary residence are eligible to apply.

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

24 CFR 203.43i.

Website: Information Sources: HUD field offices.

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

2 The term “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 is awarded an interest in a lease of Hawaiian home lands through transfer or succession, such lower percentage as may be established for such transfer or succession under section

208 or 209 of the Hawaiian Homes Commission Act of 1920 (https://www.law.cornell.edu/rio/citation/42_Stat._111), 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 (73 Stat. 5). 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 (73 Stat. 573 Stat. 5).(12 U.S.C. 1715z-12(d)(1)

Office of Housing

Loss Mitigation

Measures that allow lenders to effectively work with delinquent borrowers of FHA-insured 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 Mutual Mortgage Insurance Fund. There are several different kinds of loss mitigation options. The availability of and requirements it is offered. for each type will vary according to the borrower’s circumstances and the program under which After evaluating a delinquent mortgagor for informal and formal forbearance plans, FHA’s standard loss mitigation home retention options must be considered in the following order: (1) special forbearances, and then (2) FHA Home Affordable Modification Program (FHA-HAMP) options including the FHA-HAMP Loan Modifications, FHA-HAMP Standalone Partial Claims, and FHA-HAMP Combination Loan Modification and Partial Claim. 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, etc.) 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 indemnification of the loan in cases of material non-compliance.

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. Non-occupant borrowers may also qualify for certain loss mitigation programs.

12 U.S.C. 1715u Legal Authority: Sections 204(a) and 230 of the National Housing Act (12 U.S.C. 1710(a) and

Regulations are at ). 24 CFR part 203.

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

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

Office of Housing

Manufactured Homes Loan Insurance (Title I)

Mortgage insurance for private lending institutions to finance the purchase or refinance of a new or existing manufactured home, a manufactured home lot, or a lot plus manufactured home. It

Nature of Program: appurtenance. may also be used to construct or install a garage, carport, patio, or other comparable 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 for a manufactured home lot is 20 years and 32 days from the date of the loan for a manufactured housing loan. The maximum loan term for a manufactured home and lot is 25 years and 32 days from the date of policy. the loan for a manufactured housing loan. The loan limits are specified in regulation or Title I

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

Legal Authority: borrower and the borrower must have at least one-half interest in the home.

Regulations are at Section 2 of Title I of the National Housing Act (12 U.S.C. 1703).

24 CFR part 201.

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

Office of Housing

Mortgage Insurance for Disaster Victims (Section 203)

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 disaster areas recover by making it easier for them to obtain mortgage loans and become homeowners or reestablish themselves as homeowners. The program provides mortgage insurance to protect lenders against the risk of default on loans to qualified disaster victims. Individuals are eligible for this program if their previous residences (owned or rented) were located in Presidentially declared disaster areas 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 or unit in an FHA-Approved Condominium Project, 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 Presidentially declared disaster area is eligible to apply for mortgage insurance under this program, even if they are renting the property. The borrower’s application for mortgage insurance must be submitted to an FHA-approved lending institution within 1 year of the

Regulations are at Legal Authority: Presidential disaster declaration. Section 203(h) of the National Housing Act (12 U.S.C. 1709(h)).

24 CFR 203.18.

Website: Information Sources: HUD field offices.

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

Office of Housing

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

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 HUD-approved lenders. By insuring lenders against loss, FHA encourages them to invest capital in the residential mortgage market. FHA-insured loans may finance homes in both urban and rural areas.

HUD sets limits on the insurable mortgage amounts and FHA publishes updated limits annually. 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. At the time of loan closing, the lender collects an up-front mortgage insurance premium payment from the borrower, which may be financed. After closing, the lender collects annual insurance premiums with the monthly mortgage payments, which are not financed. Applicant Eligibility: Any person intending to use the mortgaged property as their

12 U.S.C. 1715d Legal Authority: primary residence is eligible to apply. Sections 203(b) and 214 of the National Housing Act (12 U.S.C. 1709(b) and

Regulations are at ). 24 CFR part 203.

Websites: Information Sources: HUD field offices.

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:

To determine the maximum mortgage amount: https://entp.hud.gov/idapp/html/hicostlook.cfm

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

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

Office of Housing

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 trust or otherwise restricted 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, provided 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 complexity of 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. Compared to the conventional lending market, FHA’s lower down payment requirements 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 are eligible.

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

24 CFR 203.43h.

Website: Information Sources: HUD field offices.

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

Office of Housing

Property Improvement Loan Insurance (Title I)

Mortgage insurance for loans to finance or refinance the alteration, repair or improvement of property, for the purchase and installation of fire safety equipment in existing health care facilities, and for the preservation of historic structures.

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 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, a borrower and any co-maker or co-signer must be solvent and of an acceptable credit risk, with a reasonable ability to make payments on the loan obligation.

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

24 CFR part 201.

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

Office of Housing

Rehabilitation Loan Mortgage Insurance (Section 203(k))

unit structures. Mortgage insurance to finance the rehabilitation or purchase and rehabilitation of one- to four-Nature of Program: This is HUD’s primary program for the rehabilitation and repair of one- to four-unit single family properties. A loan can be used to (1) finance rehabilitation of an existing structure; (2) finance rehabilitation of an existing structure and refinancing of the outstanding indebtedness of the structure and the real property on which it is located; (3) finance purchase and rehabilitation of an existing structure and the purchase of the real property on which it is located; or (4) finance the rehabilitation of a condominium unit. While the maximum repair threshold has been eliminated, the minimum repair threshold is set at $5,000 and 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 rehabilitation. In certain circumstances, a unit of local government may be able to demonstrate to the Commissioner that the loan limitations should not apply. The Limited 203(k) program permits homebuyers to finance up to $35,000 into their mortgage for simple home improvements. Unlike the standard 203(k) insurance program, the Limited 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: Homeowners who can make the monthly mortgage payments are eligible to apply for loans on one- to four- unit family dwellings that have been completed for at least 1 year and where the owner meets occupancy requirements. Currently, individual condominium units also may be insured if they are in projects that have been approved by FHA. Additional links below. eligibility requirements for the use of the 203(k) loan in a condominium unit can be found in the Cooperative units are ineligible.

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

24 CFR 203.50.

Websites: Information Sources: HUD field offices.

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

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

Office of Housing

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 Mutual Mortgage Insurance Fund. 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 submit purchase offers without a real estate broker and can purchase certain properties at a discount. 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.

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

24 CFR part 291.

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

For listings of properties in inventory: https://www.hudhomestore.gov/

Office of Housing

Single Family Loan Sale Program (SFLS)

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 government. competitive auctions to qualified bidders or, on a limited basis, directly to units of State and local

Nature of Program: FHA’s Single Family Loan Sales (SFLS) program began in 2010 and was temporarily renamed to Single Family Distressed Asset Sale Stabilization Program (DASP) in 2012. DASP focused on sales of defaulted forward mortgages with national scope or those at a State or Metropolitan Statistical Area(s) level, with a neighborhood stabilization focus.

SFLS now include the sale of single family forward and Home Equity Conversion Mortgage (HECM) loans assigned to HUD that meet certain eligibility criteria. For sales of forward mortgages, eligibility criteria include that the borrower is delinquent on their mortgage for the period set forth in the sale documents and the servicer has exhausted all steps in the FHA loss mitigation process. For sales of HECMs, HUD sells HECMs from its HUD-held inventory where the borrower and any non-borrowing spouse are deceased, and the mortgaged property is vacant. SFLS loans are sold competitively or directly to qualified bidders. For forward mortgages sold, purchasers may have financial flexibility to pursue foreclosure avoidance measures, including offering modifications with more affordable terms, that would have been otherwise unavailable, or other mission outcomes determined by HUD. In addition, for forward mortgages sold, 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 Qualification Statement and sale documents.

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

Regulations are at ). 24 CFR part 291.

Websites: Information Sources: HUD’s Office of Asset Sales.

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

For asset loan sales information:

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

Office of Housing

Risk Management and Regulatory Affairs

Manufactured Home Construction and Safety Standards

Federal standards for all equipment and installations in the design, construction, transportation, and fire safety, plumbing, heat-producing, and electrical systems of manufactured homes that are designed to be used as dwelling units. The standards seek to protect 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. The construction and safety standards preempt State and local laws that do not conform to the Federal standards and apply to all manufactured homes with a manufacture date after June 15, 1976. HUD may enforce these standards directly or through various States that have been approved as State administrative agencies or designees. HUD inspects factories and reviews records of manufacturers to enforce the standards. HUD also approves inspection agents who review home designs and quality control plans as well as approve and monitor the factories or plants. If a manufactured home does not conform to Federal standards prior to shipment of the home to a distributor, retailer, or purchaser, the manufacturer must follow certain procedures and the HUD Certification Label cannot be affixed. If any party identifies nonconformance or a consumer complaint is received, HUD or its designee(s) and the manufacturer must take certain actions, including possibly notifying the consumer and correcting the problem. HUD also provides a dispute resolution program to timely resolve disputes among manufacturers, retailers, and installers regarding the responsibility for correction or repair of defects reported by the homeowner or others and reported in the 1-year period after the first installation of the manufactured home. The National Manufactured Housing Construction and Safety Standards Act of 1974 generally prohibits selling, leasing, or offering for sale or lease homes that do not bear a HUD Certification Label. 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 manufacturers and retailers.

1974 ( Legal Authority: National Manufactured Housing Construction and Safety Standards Act of

42 U.S.C. 5401-5426) (42 U.S.C. 5425 has been repealed). , 3285 , 3286 , 3288, and 3800.

Regulations are at 24 CFR parts 3280, 3282, 3284

Website: Information Source: https://www.hud.gov/program_offices/housing/rmra/mhs/mhshome Office of Housing

Multifamily Housing Programs

Mark-to-Market Program (M2M)

Preserves long-term low-income housing affordability by restructuring FHA-insured or HUD-contract. held mortgages for eligible multifamily housing projects and renewing the project’s Section 8 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 rents. reduces rents to market levels and HUD restructures existing debt to levels supportable by these 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. Applicant Eligibility: Owners of multifamily housing projects (with more than four dwelling units) with FHA-insured or HUD-held mortgages that have above-market rents with an expiring project-based Section 8 rental housing assistance contract may initiate the M2M process when

Legal Authority: they request a Section 8 contract renewal.

U.S.C. 1437f noteMultifamily Assisted Housing Reform and Affordability Act of 1997 (42

Regulations are at). 24 CFR part 401.

Website: Information Source: https://www.hud.gov/program_offices/housing/mfh/presrv/presmfh/aboutm2m Office of Housing

Mortgage Insurance for Cooperative Housing (Section 213)

housing projects. Mortgage insurance to finance new construction and substantial rehabilitation of cooperative 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 qualified sponsors who intend to sell the project to a nonprofit corporation or trust are eligible.

Regulations are at Legal Authority: Section 213 of the National Housing Act (12 U.S.C. 1715e). .

24 CFR part 200, subpart A and 24 CFR part 213

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

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

Office of Housing

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. Under this program, HUD may insure mortgages on existing multifamily rental properties that do not require substantial rehabilitation. A multifamily property must contain at least five residential units with complete kitchens and baths.

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

U.S.C. 1715n(f) Legal Authority: Sections 207 and 223(f) of the National Housing Act (12 U.S.C. 1713 and 12

Regulations are at ). 24 CFR part 200 and part 207.

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

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

Office of Housing

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 insures a portion of the Federal Housing Commissioner's estimate of cost (or value for substantial rehabilitation) after eligible. completion. Congregate care projects with central kitchens providing food service are not Applicant Eligibility: Investors, builders, developers, public bodies, and nonprofit sponsors may qualify for mortgage insurance. All persons who are elderly (62 years old or older) and/or this persons with disabilities, and their families, are eligible to occupy units in a project insured under 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

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

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

Office of Housing

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 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 rental housing. Properties must consist of two or more units and be in one of the following: an urban renewal area, urban development project, code enforcement program area, urban area receiving rehabilitation assistance because 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 a certain percentage of the estimated replacement cost for new construction or substantial rehabilitation projects. 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, and apartment owners are eligible.

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

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

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

Office of Housing

Mortgage Insurance for Supplemental Loans for Multifamily and Healthcare Projects

(Section 241)

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

Nature of Program: FHA insures loans made by lenders to pay for repairs, improvements, and 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 are eligible.

Regulations are at Legal Authority: Section 241 of the National Housing Act (12 U.S.C. 1715z-6).

24 CFR part 200.

Program Centers for rental projects; Office of Healthcare Programs for healthcare facilities.

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

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

Office of Housing

Multifamily Housing Service Coordinators

Assistance to elderly individuals and persons with disabilities living in Federally insured and assisted multifamily housing to obtain voluntary supportive services. Nature of Program: This program provides funding for service coordinators who assist elderly individuals and persons with disabilities, living in Federally insured and assisted multifamily housing, to obtain needed voluntary 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 Capital Advance, Section 202 Direct Loan, 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 are eligible. Legal Authority: Section 202(g) of the National Housing Act (12 U.S.C. 1701q), section 802(d)(4) of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 8011(d)(4)), section 8(d)(2) of the United States Housing Act of 1937 (42 U.S.C. 1437f(d)(2)), and sections 13632, and 13641). 671, 676, and 683 of the Housing and Community Development Act of 1992 (42 U.S.C. 13631,

CFR part 200 Program management must be in accordance with OMB’s Uniform Guidance regulations at 2

.

Website: Information Sources: HUD field offices.

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

Office of Housing

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 10 percent and 90 percent.

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

eligible. Applicant Eligibility: Qualified Participating Entities and Housing Finance Agencies are

U.S.C. 1715z-22 Legal Authority: Section 542 of the Housing and Community Development Act of 1992 (12

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.

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

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

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

Office of Housing

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 housing. major insurance programs for newly constructed or substantially rehabilitated multifamily rental 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), for 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). The Section 221(d)(4) 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. Applicant Eligibility: Section 221(d)(3) is primarily available to public, nonprofit, and cooperative mortgagors. Section 221(d)(4) mortgages are available to profit-motivated and nonprofit sponsors.

The 221(d)(3) program has no regulations. Regulations for the 221(d)(4) program are at

part 200 Legal Authority: Section 221 of the National Housing Act (12 U.S.C. 1715l). 24 CFR

, and part 221, subparts C and D.

Websites: Information Sources:

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

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

Office of Housing

Renewal of Section 8 Project-Based Rental Assistance

sanitary housing. Assistance for extremely low-, low- and very low-income families to obtain decent, safe, and 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 (PBRA) makes up the difference between what an extremely low-, low-, or very low-income household can afford and the approved rent for an adequate housing unit in a multifamily project. Eligible tenants must pay the highest of 30 percent of adjusted income, 10 percent of gross income, or the portion of welfare assistance designated for housing.

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

Legal Authority: exceed 80 percent of area median income). 524 of the Multifamily Assisted Housing Reform and Affordability Act of 1997

1437f For the renewal of Section 8 project-based assistance, see sections 515 and 42 U.S.C.

24 CFR parts ) and 24 CFR parts 401 and 402. For Section 8 requirements, see Section 8 regulations at

5, 402, 880, 881, 882, 883, 884, 886, and part 891 subpart E. Website: Information Sources: HUD field offices.

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

Office of Housing

Supportive Housing for the Elderly (Section 202)

Capital advances and project rental assistance contracts to expand the supply of affordable housing with voluntary supportive services for very low-income elderly persons. Nature of Program: To expand affordable housing with voluntary supportive services for very low-income elderly persons, the Section 202 program provides interest-free 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 years. the housing remains available for occupancy by very low-income elderly persons for at least 40 To obtain affordability, project rental assistance contract funds are provided to cover the difference between the HUD-approved operating costs and the total tenant payment. Project rental assistance contracts are approved initially for 5 years and are renewable based on funding availability for up to 5-year terms. Project rental assistance funds may also be used to provide voluntary supportive services and to hire a service coordinator. The voluntary supportive services must be appropriate to the varying needs of the elderly residents and must allow for persons to age in place.

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 that include at least one person 62 years of age or older.

Regulations are at Legal Authority: Section 202 of the Housing Act of 1959 (12 U.S.C. 1701q).

24 CFR part 891.

Websites: Information Sources: HUD field offices.

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

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

Office of Housing

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 disabilities. promotion of community integration for low- and extremely low-income persons with 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 in the community with access to appropriate voluntary supportive services such as case management and assistance with cleaning, cooking, and transportation. 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 (1) a nonprofit organization or (2) a for-profit corporation controlled by a nonprofit organization to finance the development of rental housing with voluntary supportive services for persons with disabilities. The capital 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 advance 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. To obtain affordability, project rental assistance contract funds are provided to cover the difference between the HUD-approved operating costs and the total tenant payment. Project rental assistance contracts are approved for initial terms of 5 years and are renewable based on funding availability for up to 5 years.

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: For Section 811, 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 years of age. extremely low-income persons with disabilities who are at least 18 years old and less than 62 Office of Housing

For PRA-funded projects, any housing agency currently allocating Low Income Housing Tax Credits (LIHTC), any applicable participating jurisdiction allocating and overseeing assistance under the HOME Investment Partnerships Act (HOME), and/or a housing agency that operates a similar Federal or State program to LIHTC or HOME. Eligible properties are any new or existing multifamily property owned by a nonprofit or a private entity with at least five housing units. Occupancy is open to households composed of one or more extremely low-

Legal Authority: income persons with disabilities who are at least 18 years old and less than 62 years of age.

U.S.C. 8013 Section 811 of the Cranston-Gonzalez National Affordable Housing Act (42

).

Regulations for the Section 811 program are at 24 CFR part 891. Information Sources: HUD field offices.

Websites: For official HUD information, see

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

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

Office of Housing

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 fewer, 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.

Housing Act. Existing hospital projects are also eligible for refinancing under section 223(f) of the National Applicant Eligibility: Public, proprietary, and nonprofit acute care hospitals licensed or

223(f) ( Legal Authority: regulated by the State are eligible. Section 242 of the National Housing Act (12 U.S.C. 1715z-7) and Section

Regulations are at 12 U.S.C. 1715n(f)). 24 CFR part 242.

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

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

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

https://www.hud.gov/sites/documents/46151HSGH.PDF

Office of Housing

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, refinancing, construction, acquisition, or rehabilitation of nursing homes, assisted-living, intermediate care, board and care facilities, and

Nature of Program: fire safety equipment. FHA insures mortgages made by private lending institutions to finance construction or renovation of facilities with patients requiring skilled nursing care and related trained personnel. medical services, or those in need of minimum but continuous care provided by licensed or An assisted living facility must contain at least 20 beds that are designed for frail elderly. A board and care facility must consist of at least 20 accommodations, bedrooms with a maximum of 4 persons for each accommodation, each with a full bath. 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 nonprofit 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

Regulations are at National Housing Act. 24 CFR part 200, and part 232.

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

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

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

Office of Housing

Office of Housing Counseling

Housing Counseling Program

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

Nature of Program: The Housing Counseling Program approves private or public nonprofit organizations and state or local government entities to provide housing counseling services to provides grants to low-to-moderate income individuals. The Housing Counseling program also HUD-approved Housing Counseling Agencies and governmental entities and affiliates and branches thereof, to counsel current and prospective homebuyers, homeowners, and tenants. Counseling services consist of providing unbiased information on homebuying and rental housing, budgeting and money management, credit counseling, foreclosure or eviction prevention, disaster recovery counseling, homelessness prevention, home maintenance, fair housing laws, and guidance regarding the HECM program requirements. The objective of the counseling is to provide the appropriate information to help homebuyers, homeowners, and tenants improve their housing conditions. Housing Counseling may include one-on-one counseling and group education.

The Office of Housing Counseling certifies housing counselors to participate in the Housing Counseling Program and develops standards, materials, and training for Departmental counselor certification. In addition, a Federal Advisory Committee consults with the Office of Housing Counseling about strategic planning and policy guidance. Applicant Eligibility: HUD-approved Housing Counseling Agencies, their subgrantees and affiliates, and State or local government entities that are Housing Finance Agencies are eligible. Nonprofit organizations seeking HUD approval must be a nonprofit 501(c) tax-exempt

Legal Authority: organization and be in operation for at least 1 year.

1965 ( Section 4(g)(3) of the Department of Housing and Urban Development Act of

1968 (42 U.S.C. 3533(g)(3)) and section 106 of the Housing and Urban Development Act of

12 U.S.C. 1701x).

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

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

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

Websites: For official HUD information, see https://www.hud.gov/counseling

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

counseling/program-description/.

Public and Indian Housing (PIH)

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 distribute 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 were in the initial cohort, and, as of 2022, Book Rich Environments works with 50 communities in 25 States across the country. 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 nonprofits 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 are eligible.

1701z-1 Legal Authority: Section 501 of the Housing and Urban Development Act of 1970 (12 U.S.C.

).

Websites: Information Sources: https://www.hud.gov/program_offices/public_indian_housing/bre

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

Public and Indian Housing (PIH)

Choice Neighborhoods

neighborhoods. Competitive grant program to transform neighborhoods of poverty into vibrant, mixed-income 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 agencies, cities, schools, police, business owners, nonprofits, and private developers, create or implement a plan to revitalize distressed HUD housing and address 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 severely 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 education; and (3) creating the conditions necessary for public and private re-investment in distressed neighborhoods to offer basic neighborhood assets, such as safety, high performing schools, and commercial activity. Planning Grants enable local leaders to undertake a comprehensive planning process to develop a Transformation Plan, working closely with existing 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 nonprofit 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: Choice Neighborhoods is authorized through annual appropriations acts, most

recently the Consolidated Appropriations Act, 2023 (Public Law 117-328, approved December ).

29, 2022); Section 24 of the United States Housing Act of 1937 (42 U.S.C. 1437v

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

Public and Indian Housing (PIH)

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 2015, in partnership with EveryoneOn, a nonprofit with a mission 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.

In 2017, ConnectHome rebranded to ConnectHomeUSA and began expanding to additional communities. In 2020, ConnectHomeUSA reached the goal of onboarding 100 communities. The initiative expanded in 2023 to onboard another 50-100 communities as outlined in the Annual Performance Plan, that is tied to HUD’s 2022-2026 Strategic Plan. The expansion will continue to focus on closing the homework gap but will also emphasize connecting all resident groups to free/affordable in-home Internet service, affordable computing devices, and digital literacy training. This will be accomplished by continuing to work with HUD’s nonprofit partner

EducationSuperHighway, other Federal agencies, and private-sector stakeholders. Applicant Eligibility: All public housing agencies and multifamily property owners housing HUD-assisted residents are eligible.

1701z-1 Legal Authority: Section 501 of the Housing and Urban Development Act of 1970 (12 U.S.C. .

); notice published in the Federal Register on April 3, 2015, at 80 FR 18248

Website: Information Source: www.hud.gov/connecthomeusa

Public and Indian Housing (PIH)

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 (PBRA) program to obtain employment that aims to 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) 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/owner and an adult member of each participating family execute a contract of participation, generally for 5 years with a possible 2-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 between 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 the person who signs the contract is individual goals. employed, no family member is receiving welfare assistance, and the family has met their other 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. Other than annual funding by a notice of funding opportunity (NOFO) 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.

Regulations are at Legal Authority: Section 23 of the United States Housing Act of 1937 (42 U.S.C. 1437u).

24 CFR part 984.

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

Public and Indian Housing (PIH)

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 called the tenant-based voucher program) is the Federal government’s major program for assisting very low-income families, the elderly, and persons with disabilities with accessing decent, safe, and sanitary housing in the private market. Participants are responsible for finding their own housing, including single family homes, townhouses, or apartments, provided that the unit meets the minimum standards of health and safety of the program. Participants generally pay 30 percent of their monthly gross income for rent or utilities, and additional amounts if the unit rent is greater than the payment standard set by HUD (though the family may not pay more than 40 percent of its adjustment monthly income for rent when moving into a new unit with monthly rent above the payment standard). A housing subsidy is paid directly by the public housing agency (PHA) on behalf of the participating family to the landlord. The family then pays the difference between the actual rent charged by the landlord and the amount subsidized by the program. Under certain home. circumstances, if authorized by the PHA, a family may use its voucher to purchase a modest HCVs are administered locally by PHAs. The PHAs receive Federal funds from HUD to administer the voucher program.

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

• 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 low-income veterans experiencing homelessness and

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

administrative performance. Generally, the HUD-VASH program is administered in

accordance with regular HCV program requirements, with exceptions based on

these statutes. appropriations statutes and HUD-VASH Operating Requirements issued pursuant to

• 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 Public and Indian Housing (PIH)

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

provides continuity of housing assistance to such families.

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 the rules of the tenant-based voucher program. If the family moves from the project, all normal voucher rules apply. EV requirements, including actions that trigger the provision of EVs and family eligibility for EVs, are contained in section 8(t) of the United States Housing Act of 1937.

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

persons with disabilities who are transitioning out of institutional or other segregated

settings, at serious risk of institutionalization, experiencing homelessness, formerly

experienced homelessness and currently a participant in a permanent supportive housing

or rapid rehousing program, or at risk of experiencing homelessness. 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

the community. coordinate voluntary services and supports to enable individuals to live independently in

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

head, or spouse who 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

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 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 aged 18 to 24 years old who left foster care or will leave foster care within 90

or older. days, and is experiencing homelessness or at risk of experiencing homelessness by age 16

o Foster Youth to Independence. The Foster Youth to Independence (FYI) initiative

is a subset of FUP appropriations that serves youth aged 18 to 24 years old who left foster care or will leave foster care within 90 days and are homeless or at risk of homelessness. Since 2019, Congress has reserved a portion of FUP Public and Indian Housing (PIH)

means. appropriations to serve this population via both competitive and non-competitive

• Stability Vouchers. The Stability Vouchers (SVs) serve individuals and families who are

experiencing homelessness, at-risk of homelessness, those fleeing or attempting to flee

domestic violence, dating violence, sexual assault, stalking, or human trafficking, and

veterans and families that include a veteran family member that meet one of the

proceeding criteria. SVs promote a community-wide commitment to the goal of ending

homelessness by targeting efforts to reduce unsheltered homelessness, particularly in

rural areas. communities with very high levels of unsheltered homelessness and homelessness in

• Emergency Housing Vouchers. The Emergency Housing Voucher (EHV) program began

through the American Rescue Plan Act (ARPA) to assist individuals and families who are

homeless, at-risk of homelessness, fleeing, or attempting to flee, domestic violence,

dating violence, sexual assault, stalking, or human trafficking, or were recently homeless

or have a high risk of housing instability.

• 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 families must be: percent of the area median income. At the time a family initially receives voucher assistance, the

• Very low-income families;

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

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

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

Housing Preservation and Resident Homeownership Act of 1990.

Regulations are at Legal Authority: Section 8 of the United States Housing Act of 1937 (42 U.S.C. 1437f). 24 CFR part 982 (Section

24 CFR part 5 (certain cross-cutting requirements); 24 CFR part 984 (Section 8 and Public

8 Tenant-Based Housing Choice Voucher Program); 24 CFR part 985 (Section 8 Management

Housing Family Self-Sufficiency Program); and

Assessment Program (SEMAP)).

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

https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/about Public and Indian Housing (PIH)

Jobs Plus Initiative

Competitive grant program to assist public housing residents to increase earnings and advance employment outcomes.

Nature of Program: The Jobs Plus Initiative is a place-based program that aims to address 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, technology skill-building, and financial counseling. Ideally, the Jobs Plus program will “saturate” the target public housing projects with information, services and incentives intended to support resident employment during the program and encourage continued resident employment beyond the end of the program cycle.

The Jobs Plus program model consists of three core components:

• Employment-related services, including work-readiness training, employer linkages,

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

• Financial and rent incentive, in the form of a 100 percent disregard of earned income

above the baseline earned income established upon enrollment, for up to 48 months or

until the end of the grant period, whichever is sooner.

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

and financial incentives to all residents in a targeted development and reflecting the goal

of building a caring and cohesive community that is strongly committed to supporting

residents’ progress toward economic security.

Applications must target an eligible public housing project(s) that meets the criteria of the Notice of Funding Opportunity. All residents of the project are eligible to benefit from Jobs Plus. Jobs Plus relies on case management and coaching approach where case managers and coaches work one-on-one to help residents achieve the goals they identify for themselves (i.e., helping participants achieve their own goals, rather than manage participants’ progress toward goals determined by the Jobs Plus program).

Grant applicants must provide a match of not less than 25 percent of the grant amount requested. Applicant Eligibility: Public housing agencies.

Legal Authority: Jobs Plus is authorized through annual appropriations acts, most recently the

Consolidated Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

Information Source: Website: https://www.hud.gov/program_offices/public_indian_housing/jpi Public and Indian Housing (PIH)

Moving to Work (MTW) Demonstration

Allows selected PHAs to test new ways of 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 use funds appropriated for the public housing and housing choice voucher programs for any allowable use under either program. MTW agencies may also design and test new ways of providing housing assistance— for example, by 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. assistance. MTW agencies’ innovations are expected to inform HUD about better ways to provide housing Applicant Eligibility: Public housing agencies.

of 1996 ( Legal Authority: Section 204 of the Omnibus Consolidated Rescissions and Appropriations Act

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,

1998); section 230 of the Consolidated Appropriations Act, 2008 (Public Law 110-161

December 26, 2007); section 232 of the Consolidated Appropriations Act, 2010 (

111-117 and Independent Agencies Appropriation Act, 1999 (Public Law 105-276, approved October 21, , approved Public Law

, 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 , approved

section 239 of the Consolidated Appropriations Act, 2016 (Public Law 114-113 December 18, 2015).

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

Public and Indian Housing (PIH)

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, in addition to certain special purpose vouchers designated by Congress. 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 for tenant-based vouchers, 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 at the time of proposal selection), 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 contract for up to 20 additional years during the initial HAP contract term, and, within 24 months of the expiration of that extension, the PHA may subsequently extend the contract term for another 20 years.

Applicant Eligibility: PHAs. Families in the PBV program must meet the same eligibility requirements as families in the tenant-based voucher program.

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

the PBV program by the Housing Opportunity Through Modernization Act of 2016 (

114-201 ). Regulations are at 24 CFR part 983. Significant statutory changes were made to Public Law

Register at ). Most of these changes were implemented by two notices, published in the Federal

82 FR 5458, on January 18, 2017, and 82 FR 32461, on July 14, 2017.

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

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

Public and Indian Housing (PIH)

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 for public housing and mixed-finance developments, including development, financing, remediation of lead-based paint and other residential health hazards, 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. Non-troubled PHAs that own or operate fewer than 250 public housing units and that have also maintained their inventory in safe, clean, and program. healthy condition may use their Capital and Operating Funds for eligible activities under either 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 payments. Program, by pledging a portion of their future annual Capital Fund grants to make debt service

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

).

U.S.C. 1437g(d) Legal Authority: Section 9(d) and section 30 of the United States Housing Act of 1937 (42

Regulations are at and 1437z-2). 24 CFR part 905.

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

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

Public and Indian Housing (PIH)

Public Housing Homeownership (Section 32)

Sale of public housing units to low-income families.

Nature of Program: Section 32 of the United States Housing Act of 1937 authorizes public housing agencies (PHAs)to make public housing dwelling units available for purchase by low-income families as their principal residence. Under Section 32, a PHA may do the following:

• 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 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.

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

24 CFR part 906.

Website: Information Sources: Office of Public Housing Investments.

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

Public and Indian Housing (PIH)

Public Housing Operating Fund

Formula funding 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, and anti-crime and anti-drug activities. Additional uses of the operating funds may include: resident participation in management, insurance costs, energy projects. costs, and costs, as appropriate, related to the operation and management of mixed finance 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 United States Housing Act of 1937 and, with HUD’s approval, to use energy savings for debt service payments. Applicant Eligibility: Public housing agencies.

1937 ( Legal Authority: Section 9(e), section 30, and section 35 of the United States Housing Act of

Regulations are at 42 U.S.C. 1437g(e); 42 U.S.C. 1437z-2; 42 U.S.C. 1437z-7).

24 CFR part 990.

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

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

Public and Indian Housing (PIH)

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

Grants for voluntary 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 voluntary supportive services and resident empowerment activities. These services should help participants meet one or more of the following objectives: increase earned income, reduce or eliminate the need for welfare assistance, make progress toward achieving economic independence and housing self-sufficiency, improve living conditions and safely age in place. The ROSS Service Coordinator program is a combination of several programs that were previously independent. Funds. ROSS is funded through a separate appropriations account for Public Housing Self-Sufficiency

following: The services coordinated by ROSS Service Coordinators may include activities including the

• 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, Child Care Services, or 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, or civil legal assistance;

• Substance abuse treatment for drug and alcohol dependents;

• 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 are eligible.

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

24 CFR part 964.

Website: Information Source: https://www.hud.gov/program_offices/public_indian_housing/programs/ph/ross/about Public and Indian Housing (PIH)

Indian Housing Programs

Indian Community Development Block Grant (ICDBG) Program

Grants to help American Indians and Alaska Natives (AIAN) develop viable communities. Nature of Program: The ICDBG Program offers grants on a competitive basis to eligible grantees 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 the following:

• 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.

The Secretary of HUD may set aside a portion of each year’s allocation for the first come-first served funding of grants to eliminate or lessen problems which pose an imminent threat to public health or safety of Tribal residents. The threat to be addressed must be such that an emergency exists or would exist if the threat was not addressed. The grants must address threats of an urgent nature that were not evident at the time of the ICDBG single-purpose funding cycle or that require immediate action.

Applicant Eligibility: American Indian Tribes, bands, groups, or nations (including Alaskan Title I of the Indian Self-Determination and Education Assistance Act of 1975

et seq. Natives, Aleuts, and Eskimos), and Alaska Native Villages that are eligible for assistance under ( 25 U.S.C. 5321, (31 U.S.C.

6701, ) or were eligible under the State and Local Fiscal Assistance Act of 1972

et seq.) are eligible.

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

Regulations are at et seq.). 24 CFR part 1003.

Information Sources: HUD Area ONAP offices in Chicago, Denver, Oklahoma City, Phoenix,

Website: Seattle, and Anchorage. https://www.hud.gov/program_offices/public_indian_housing/ih/grants/icdbg Public and Indian Housing (PIH)

Indian Housing Block Grant (IHBG) Program

Nature of Program: areas. Grants that fund a range of affordable housing activities on Indian reservations and in Indian The IHBG program provides eligible grantees with a grant that can fund a

range of affordable housing activities on Indian reservations and in Indian areas. The block grant approach to housing for Native Americans was enabled by the Native American Housing Assistance and Self Determination Act of 1996 (NAHASDA).

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

• Indian housing assistance (modernization or operating assistance for housing previously

authority); developed or operated pursuant to a contract between HUD and an Indian housing

• 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 that were funded under the Indian Housing Program authorized by the United States Housing Act of 1937 are eligible. With the enactment of NAHASDA, Indian Tribes are no longer eligible for assistance under the United States Housing Act of 1937.

Regulations are at Legal Authority: Titles I through V of NAHASDA (25 U.S.C. 4101, et seq.).

24 CFR part 1000.

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

Public and Indian Housing (PIH)

Section 184 Indian Home Loan Guarantee Program (Section 184)

Insures home mortgages made to 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, and Indian housing authorities to facilitate homeownership and increase access to capital in Native American communities. The loans guaranteed under the program can be 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: Mortgages made by approved lenders to AIAN families, Indian Tribes, Alaska villages, and Indian housing authorities are eligible.

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

Regulations are at 12 U.S.C. 1715z-13a). 24 CFR part 1005.

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

Public and Indian Housing (PIH)

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

Lands. Insures home mortgages made to benefit Native Hawaiian families living on Hawaiian Home Nature of Program: The purpose of the Loan Guarantee program is to facilitate homeownership and increase private financing to Native Hawaiian families living on Hawaiian Home Lands. The loans guaranteed under this program can be used to construct, acquire, or rehabilitate single family housing located on the Hawaiian Home 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. transactions. HUD is only authorized to guarantee a limited amount of Section 184A refinance loan Applicant Eligibility: Mortgages made by approved lenders to Native Hawaiian families, the Department of Hawaiian Home Lands, the Office of Hawaiian Affairs, and private nonprofit organizations experienced in the planning and development of affordable housing for Native Hawaiians are eligible.

U.S.C. 1715z-13b Legal Authority: Section 184A of the Housing and Community Development Act of 1992 (12

Regulations are at ). 24 CFR part 1007.

Website: Information Source: Honolulu Field Office.

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

Public and Indian Housing (PIH)

Native Hawaiian Housing Block Grant (NHHBG) Program

Grants that fund a range of affordable housing activities, including rental assistance both on and off the Hawaiian Home Lands.

Nature of Program: The NHHBG program is patterned after the Indian Housing Block Grant (IHBG) program but contains changes to address the housing needs and circumstances of Native Hawaiians. The NHHBG program authorizes HUD to make grants to the State of Hawaii’s Department of Hawaiian Home Lands 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 housing. certain types of community facilities if the facilities serve eligible residents of affordable Applicant Eligibility: The State of Hawaii’s Department of Hawaiian Home Lands is eligible. Legal Authority: Title VIII of the Native American Housing Assistance and Self-Determination

Regulations are at Act of 1996 (NAHASDA) (25 U.S.C. 4221, et seq.). .

24 CFR part 1006

Website: Information Sources: Honolulu Field Office.

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

Public and Indian Housing (PIH)

Tribal Housing Activities Loan Guarantee Program (Title VI)

Guarantees private loans made to Indian Housing Block Grant recipients that want to finance additional grant-eligible affordable housing and related community development projects. Nature of Program: The Title VI loan guarantee program assists Indian Housing Block Grant (IHBG) recipients in financing projects, such as the construction and rehabilitation of housing, infrastructure, community facilities, land acquisition, architectural and engineering plans. Tribes and Tribally Designated Housing Entities (TDHEs) 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 borrower pledges the need portion of its current and future IHBG funds as the primary security for the loan guarantee. Tribes and TDHEs 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: Current Indian Housing Block Grant recipients are eligible. Legal Authority: Title VI of the Native American Housing Assistance and Self-Determination

Regulations are at Act of 1996 (NAHASDA) (25 U.S.C. 4191, et seq.). .

24 CFR part 1000, subpart E

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

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 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 (including sexual orientation and gender identity), 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, which includes the denial of, participation in, or 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. Examples of common types of HUD funding programs, which may include subrecipients, that have civil rights obligations enforced by HUD are 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 NOFO 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 the following:

• 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 Fair Housing and Equal Opportunity

obligations on such programs or activities to remedy the effects of past discrimination.

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, 414 U.S. 563 (1974),

recipients of Federal financial assistance are required to take reasonable steps to ensure

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

• 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 physical and programmatic 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 prohibit

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

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.

Fair Housing and Equal Opportunity

• 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.

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

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

discrimination on the basis of race, color, national origin, religion, and sex (including

sexual orientation and gender identity) 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 or 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 of or applicants for 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, Fair Housing and Equal Opportunity

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.

Websites: Information Sources: FHEO Office of Enforcement and Programs. Fair Housing: Rights and Obligations:

ons https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_rights_and_obligati Non-Discrimination in Housing and Community Development Programs:

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

FHEO: _community_development_0 https://www.hud.gov/program_offices/fair_housing_equal_opp

Fair Housing and Equal Opportunity

Fair Housing Act (Title VIII)

Prohibits discrimination in housing and real estate-related transactions and requires all housing and urban development-related programs and activities to affirmatively further fair housing. 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 (including sexual orientation and gender identity), familial status (including individuals or families with children under 18 years of age and pregnant women), 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 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, multifamily dwellings of four or more units ready for first occupancy after March 13, 1991, 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. Recipients of HUD funding are required to comply with HUD’s Affirmatively Furthering Fair Housing Regulations.

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 1 year after the alleged discriminatory act 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 there is reasonable cause to believe that discrimination occurred, HUD will issue a charge on behalf of the aggrieved person. A HUD administrative law judge will hold a hearing unless either party elects to have the case heard in Federal District Court. An aggrieved person may also file suit in a Federal court not later than 2 years after the alleged discriminatory act occurred or terminated, whether or not a complaint has been filed with HUD. HUD has established a national toll-free housing discrimination hotline: (800) 669-9777 (voice) or (800) 877-8339 (TTY).

Regulations are at Legal Authority: Title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.).

24 CFR parts 5, 100, 103, and 180.

Information Sources:

Fair Housing and Equal Opportunity

Websites: Fair Housing overview:

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

complaint How to file a complaint: https://www.hud.gov/program_offices/fair_housing_equal_opp/online-

Fair Housing Rights and Obligations:

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

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

Fair Housing and Equal Opportunity

Fair Housing Assistance Program (FHAP)

Funding to provide assistance and reimbursements 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 HUD.

U.S.C. 3616 Legal Authority: Sections 810(f) and 817 of the Civil Rights Act of 1968 (42 U.S.C. 3610; 42

Regulations are at ). 24 CFR part 115.

Website: Information Sources: FHEO Office of Enforcement, FHAP Division.

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

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 Housing Act. discriminatory housing practices against all protected class groups under the Federal Fair Nature of Program: FHIP supports a network of State and local government grantees, public and private nonprofit organizations, and other public and private entities throughout the nation to foster compliance with the Federal 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 Fair Housing Act. FHIP 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 Federal Fair Housing Act. FHIP grantees also conduct preliminary investigation of claims of housing discrimination, including through “testing.” A test is a covert investigation involving one or more persons who initiate contact with a person or entity to gather information about housing policies, treatment, and/or practices to compare with the requirements of fair housing laws. A test may involve comparing how persons similarly situated, except for a protected characteristic, are being treated. In addition to funding organizations that provide direct assistance to individuals who feel they have been discriminated against in housing contexts, FHIP provides grants to organizations to conduct the grant process: following capacity building, education, outreach, and enforcement activities under a competitive

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

capacity and effectiveness of nonprofit fair housing organizations to enforce fair housing

laws. FHOI funds may be used to establish new fair housing enforcement organizations,

including in areas that are underserved by fair housing groups or areas that contain large

concentrations of members of protected classes. Grants may be used flexibly to support

the basic operation and activities of new or existing nonprofit fair housing organizations.

Private Enforcement Initiative (PEI): The PEI funds a nationwide network of nonprofit

fair housing groups that carry out testing and enforcement-related activities to prevent or

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

intake and investigation of potential violations of the Fair Housing Act, testing for

housing discrimination, mediation or other voluntary resolution of claims, and litigation

of fair housing cases.

Education and Outreach Initiative (EOI): The EOI promotes fair housing laws and

equal opportunity awareness. The EOI offers a comprehensive range of support for

eligible organizations to develop and implement education and outreach programs

designed to inform members of the public and housing providers about their rights and

obligations under the Federal Fair Housing Act. Activities eligible for funding include

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

providing fair housing classes, convening meetings for fair housing industry groups,

developing technical materials on accessibility, and mounting public information

campaigns, as well as national projects that demonstrate cooperation with the real estate

housing choices. industry or focus on resolving community tensions that arise as people expand their

Applicant Eligibility: FHIP-FHOI: • Applicants must be fair housing enforcement organizations or qualified

fair housing enforcement organizations, nonprofit groups organizing to build their

capacity to provide fair housing enforcement, or organizations with experience in

complaint intake, complaint investigation, and enforcement activities involving the use of

testing evidence.

• FHIP-PEI: Applicants must be qualified fair housing enforcement organizations or fair

housing enforcement organizations with at least 1 year of experience in complaint intake,

complaint investigation, testing for fair housing violations, and enforcement to prevent or

eliminate discriminatory housing practices.

• FHIP-EOI: Applicants include State and local governments and their qualified agencies;

public or private nonprofit organizations or institutions; or other public or private entities

that formulate and carry out programs to prevent or eliminate discriminatory housing

practices and educate the public and housing providers about equal opportunity in

U.S.C. 3616a) Section 561 of the Housing and Community Development Act of 1987 (42

Regulations are at . Legal Authority: housing and compliance with fair housing laws.

24 CFR part 125.

Website: Information Sources: FHEO Office of Programs, FHIP Division.

https://www.hud.gov/program_offices/fair_housing_equal_opp/partners/FHIP/fhip

Policy Development and Research (PD&R)

Policy Development and Research (PD&R)

Policy Development and Research Initiatives

Supports the Department's efforts to help create cohesive, economically healthy communities by providing reliable and objective data and analysis.

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. To accomplish its mission, PD&R provides reliable, objective, and current information on housing and community development needs and market conditions; gathers and maintains national economic data on housing conditions, needs, and trends, including through the American Housing Survey and other major national data surveys; conducts rigorous research that helps fill key evidence gaps and evaluates HUD policies and programs, and identifies emerging challenges and opportunities; supports innovation in building technologies and housing and community development policies; manages and leverages HUD’s data assets to support evidence-based and data-driven policy and program improvements; builds capacity in the housing and community development field by sharing knowledge, elevating best practices and providing technical assistance; provides policy advice and support to the HUD worldwide. Secretary and program offices; and interacts with international counterparts to share knowledge PD&R’s research agenda is developed with extensive input and engagement from researchers, stakeholders, and the public. PD&R awards housing research funding to organizations and institutions of higher education to conduct evaluations, demonstrations, and policy-focused research that respond to Congressional directives, address Departmental priorities, and/or advance strategic evidence-building priorities. PD&R also supports research grant programs that advance equity in funding through its Research Partnerships and Centers of Excellence at Historically Black Colleges and Universities (HBCUs) and Hispanic Serving Institutions (HSIs). 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. datasets is PD&R’s online portal for providing public access to research, policy papers, periodicals, and

www.huduser.gov.

Applicant Eligibility: Not applicable.

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

Website: Information Source: https://www.huduser.gov/portal/about/pdrabout.html Policy Development and Research (PD&R)

Community Compass Technical Assistance and Capacity Building Program

Awards funding to technical assistance providers to help HUD’s customers implement HUD programs and policies.

Nature of program: This initiative competitively awards technical assistance funding from across HUD program offices to organizations to provide technical assistance and capacity building for HUD grantees and other customers.

Eligible activities for Community Compass include the following: (1) needs assessments; (2) direct technical assistance and capacity-building engagements; (3) development of products and tools; (4) self-directed and group learning (training); (5) knowledge management; (6) data reporting, analysis, and performance management; and (7) Native American Housing Assistance and Self-Determination Act (NAHASDA) allocation formula administration and negotiated rulemaking support.

Applicant Eligibility: Eligible applicants include State and local governments, institutions of higher education, public housing agencies/Indian housing authorities, nonprofit organizations, for-profit organizations, and small businesses. Other eligible applicants include Indian tribes, Tribally Designated Housing Entities (TDHEs), national or regional organizations representing Native American housing interests, and metropolitan planning organizations, councils of government, and other regional planning entities.

1437d(j)(3) Legal Authority: Section 6(j)(3) of the United States Housing Act of 1937 (42 U.S.C.

); the CARES Act (Public Law 116-136); sections 405 and 409 of the McKinney-

Vento Homeless Assistance Act (42 U.S.C. 11361b and 11408). Community Compass is further authorized and funded through annual and supplemental appropriations, most recently

Consolidated Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

Information Source: https://www.hud.gov/program_offices/comm_planning/cpdta

Policy Development and Research (PD&R)

Distressed Cities Technical Assistance (DCTA) Program

Builds capacity of units of general local government (local governments) experiencing economic distress and assists local governments and their nonprofit partners in alleviating persistent poverty in specific areas (census tracts).

Nature of Program: This initiative competitively awards technical assistance funding to organizations to provide technical assistance and capacity building for local governments and their nonprofit partners.

Eligible activities for technical assistance providers implementing DCTA include the following: (1) needs assessments; (2) direct technical assistance and capacity-building engagements; (3) development of products and tools; and (4) self-directed and group learning (training). Applicant Eligibility: Eligible applicants to become technical assistance providers include institutions of higher education, nonprofit organizations, for-profit organizations, and small businesses. Eligible recipients of technical assistance include local governments serving populations with 50,000 people or less that are experiencing economic distress (relatively high population decline, poverty, and/or unemployment rates) or have areas (census tract(s)) experiencing persistent poverty.

Legal Authority: Authorized by annual Appropriations Acts, most recently by the Consolidated

Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

Website: Information Source: https://www.hud.gov/program_offices/comm_planning/cpdta/dcta

Policy Development and Research (PD&R)

Thriving Communities Technical Assistance Program

Helps local governments ensure housing needs are considered as part of their larger communities. infrastructure investment plans and supports equitable development in disadvantaged Nature of Program: This initiative competitively awards technical assistance funding to organizations to provide technical assistance and capacity building for units of local governments and their partners around transit-oriented development.

Eligible activities for Thriving Communities include (1) needs assessments; (2) direct technical assistance and capacity-building engagements; (3) development of products and tools; and (4) self-directed and group learning (training).

Applicant Eligibility: Eligible applicants include institutions of higher education, Native businesses. American Tribal organizations, nonprofit organizations, for-profit organizations, and small Legal Authority: Authorized by Annual Appropriations Acts, most recently by the Consolidated

Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

Website: Information Source: https://www.hud.gov/program_offices/comm_planning/cpdta/tcta

Policy Development and Research (PD&R)

Eviction Protection Grant Program (EPGP)

Aims to help fill the gap in access to legal assistance by individuals and families facing eviction evictions. to help them reach more mutually beneficial resolutions with landlords or defend against illegal Nature of Program: The purpose of the Eviction Protection Grant Program is to support experienced legal service providers in providing legal assistance at no cost to low-income tenants at risk of or subject to eviction. Funding is awarded on a competitive basis. Eligible activities include legal representation (including negotiation/mediation); legal information hotlines and legal advice; education and outreach and “know your rights” campaigns; fair housing defense related to eviction; housing court navigation; service provider referrals and benefits assistance; collaboration with courts, judges, and others to create and promote eviction diversion programs; and other eligible legal assistance services as defined by the program notice of funding opportunity.

Applicant Eligibility: Eligible applicants include nonprofit organizations, governmental entities, tribal governments, and institutions of higher education with experience providing legal services. Legal Authority: Authorized by Annual Appropriations Acts, most recently by the Consolidated

Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

Website: Information Source: https://www.huduser.gov/portal/eviction-protection-grant.html

Field Policy and Management (FPM)

Field Policy and Management (FPM)

Davis-Bacon and Labor Standards

programs. Oversight of administration and enforcement of Federal labor standards provisions in HUD Nature of Program: The Davis-Bacon and related acts (DBRA) require contractors 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, public housing, Native American and Native Hawaiian housing, and community development programs. HUD also oversees Federal prevailing wage requirements applicable to maintenance employees on public housing and Native American and

Applicability: Native Hawaiian housing. This program does not provide any funding. The DBRA applies to users of HUD funds and mortgage insurance to build

housing and other public-use buildings constructed by developers, contractors, and State, Tribal, 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.); Contract Work Hours and Safety Standards Act (40 U.S.C. 3701, et

seq.); Copeland Anti-Kickback Act (18 U.S.C. 874; 40 U.S.C. 3145).

Website: Information Sources: HUD field offices.

https://www.hud.gov/program_offices/davis_bacon_and_labor_standards

Field Policy and Management (FPM)

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 jobs or contracts are created as a result of the usage of certain HUD funds (including many Public and Indian Housing and Community Planning and Development 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 meet Section 3 reporting requirements. Pursuant to the regulation, HUD not only reviews this information for compliance but also conducts periodic contractors. monitoring, which includes Section 3 and may include compliance reviews of recipients and Eligibility: Recipients of HUD financial assistance, such as public housing agencies, nonprofit organizations, and State and local governments, are eligible.

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

24 CFR part 75.

Website: Information Sources: Office of Field Policy Management.

https://www.hud.gov/section3

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.

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

24 CFR part 320.

Website: Information Sources: Ginnie Mae Office of Issuer & Portfolio Management.

https://www.ginniemae.gov/about_us/what_we_do/Pages/programs_products.aspx 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, prices, and interest rate sensitivities. The assets underlying REMIC securities are Ginnie Mae 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 the following: 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

Platinum Program, guaranteed the timely payment of principal and interest pursuant to the Ginnie Mae

• 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 eligibility requirements established in the Multiclass Securities Guide.

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

24 CFR part 330.

Information Sources: Ginnie Mae Office of Capital Markets. Multiclass Securities Guide:

guide.aspx https://www.ginniemae.gov/investors/multiclass_resources/Pages/multiclass-securities-

Lead Hazard Control and Healthy Homes Program

Lead Hazard Control and Healthy Homes Program

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 elevated levels of allergens, vermin, dust, and other substances that contribute to diseases, such as asthma, and to 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 hazards 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 unassisted 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 most

housing built before 1978 under all HUD programs, and enforcement of the Rule for

programs. Multifamily Housing programs, the Single Family Asset Management program, and PIH

• Enforcement of lead-based paint and lead-based paint hazard disclosure requirements (24

CFR part 35, subpart A) upon rental or sale of most housing built before 1978.

• Conducting outreach activities, on its own and, when appropriate, with interagency,

intergovernmental, and private sector partners, to promote public awareness and

encourage stakeholder engagement in the Office’s program, as described above. Applicant Eligibility: For lead hazard control grant programs, State, Tribal, and local governments are eligible; for other programs, these governments, nonprofit entities, for-profit entities that waive their fees, and universities are eligible. Lead Hazard Control and Healthy Homes Program

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.

Website: Information Sources: Director of the Office of Lead Hazard Control and Healthy Homes.

https://www.hud.gov/program_offices/healthy_homes

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 redundant reviews. ensure faster and more efficient processing for low-risk, LIHTC transactions by eliminating 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 (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 and 811 Project Rental Assistance Contract (202 PRAC and 811 PRAC) programs, 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 allows conversion of a maximum number of 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 conversions are administered by public housing agencies and other qualified entities.

Temporary Programs

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.

Website: https://www.hud.gov/rad https://www.hudexchange.info/programs/rad/

For technical assistance, see

( Consolidated Appropriations Act, 2014

Public Law 113-76, approved January 17, 2014)

Supportive Services Demonstration (IWISH)

The Supportive Services Demonstration for Elderly Households in HUD-Assisted Multifamily Housing tests the Integrated Wellness in Supportive Housing (IWISH) model, which funds onsite staff (Resident Wellness Director and a Wellness nurse) at HUD-assisted housing developments that either predominantly or exclusively serve households aged 62 and over. The onsite staff coordinate health and social services for residents aged 62 or over to better address their needs and help them age in place.

Applicants must be owners of an existing HUD-assisted development with at least 50 assisted housing units. The development must be occupied by households composed of one or more persons at least one of whom is 62 years of age or older at the time of initial occupancy. Eligible

Act of 1959 ( assisted housing includes the following: (1) housing assisted under section 202 of the Housing

section existed before the enactment of the National Affordable Housing Act (

625 12 U.S.C. 1701q), including housing that is assisted under section 202 as such Public Law 101-

); (2) housing for which project-based assistance is provided under section 8 of the United

States Housing Act of 1937 (42 U.S.C. 1437f), including Section 515 rural housing projects, as

authorized by section 515 of the Housing Act of 1949 (42 U.S.C. 1485), receiving Section 8 rental assistance; (3) housing financed by a loan or mortgage insured under section 221(d)(3) of

the National Housing Act (12 U.S.C. 1715) that bears interest at a rate determined under section 221(d)(5) of such Act; or (4) housing insured, assisted or held by the Secretary, a State, or a State

agency under section 236 of the National Housing Act (12 U.S.C. 1715z-1).

Websites: Notice of Funding Availability:

https://www.hud.gov/sites/documents/2015ssdemo-nofa.pdf

For information on the IWISH evaluation, see

https://www.huduser.gov/portal/IWISH_Evaluation.html

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 Temporary Programs

risk of homelessness living on or near a reservation or other Indian areas. HUD provides grants to eligible Tribes and Tribally Designated Housing Entities, which partner with the U.S. Department of Veterans Affairs to provide case management and services to eligible Native American Veterans Housing assistance is either tenant-based or project-based and is made available by grants to Tribes and TDHEs that are eligible to receive Indian Housing Block Grant funding under the Native American Housing Assistance and Self-Determination Act of 1996. This program is funded through annual appropriations acts, most recently through the

Consolidated Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

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 , approved December 19, 2014)

Public Law 113-291

Veterans Housing Rehabilitation and Modification Pilot Program (VHRMP)

Section 1079 of the Fiscal Year 2015 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 in consultation with the Secretary of Veterans Affairs to meet the needs of veterans. Grant funds can be used to modify or rehabilitate the home of a veteran who is low-income and lives with a disability, including to make the home accessible, make repairs, or install energy efficient funds. features or equipment. Organizations receiving funds must match at least 50 percent of the grant The program was funded in 2016 and subsequent appropriations acts, most recently the

Consolidated Appropriations Act, 2023 (Public Law 117-328, approved December 29, 2022).

Website: https://www.hud.gov/program_offices/comm_planning/vhrmp

( Consolidated Appropriations Act, 2016

Public Law 114-113, approved December 18, 2015)

Youth Homelessness Demonstration Program

The Youth Homelessness Demonstration Program (YHDP) aims to both 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, townships, and nonprofits on a competitive basis through a notice of funding opportunity (NOFO) in which HUD selects communities for participation. Recipients are to serve youth experiencing homelessness, age 24 and under, including unaccompanied and pregnant or homelessness. parenting youth, by developing and implementing a community plan to prevent and end youth Temporary Programs

through the Consolidated Appropriations Act, 2023 (Public Law 117-328

29, 2022). This program is funded through annual and supplemental appropriations acts, most recently , approved December

Websites: For official HUD information, see:

https://www.hud.gov/program_offices/comm_planning/yhdp

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

The SUPPORT for Patients and Communities Act (SUPPORT Act)

(Public Law 115-271, approved October 24, 2018)

Recovery Housing Program (RHP)

The Recovery Housing Program (RHP) is a pilot program, authorized by section 8071 of the SUPPORT for Patients and Communities Act (SUPPORT Act), that provides stable, temporary housing to individuals in recovery from a substance use disorder. The assistance is limited, per individual, to a period of not more than 2 years or until the individual secures permanent housing, whichever is earlier. The SUPPORT Act requires amounts appropriated or amounts otherwise made available to RHP grantees (States and the District of Columbia) be treated as Community Development Block Grant (CDBG) funds under Title I of the Housing and

Community Development Act of 1974 (42 U.S.C. 5301, et seq.) (the “HCD Act”), unless published otherwise provided in section 8071 or modified by waivers and alternative requirements by notice.

Websites: For official HUD information, see: https://www.hud.gov/program_offices/comm_planning/rhp

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

( Consolidated Appropriations Act, 2019

Public Law 116-6, approved February 15, 2019)

Mobility Demonstration (Community Choice Demonstration)

The Community Choice Demonstration (CCD), formerly known as the HCV Mobility Demonstration, builds upon recent research that shows growing up in neighborhoods with lower levels of poverty improves children’s academic achievement and long-term chances of success and reduces intergenerational poverty. The CCD supports selected PHAs in addressing barriers to accessing housing choices by offering housing mobility-related services to increase the number of voucher families with children living in opportunity areas. In addition to offering housing mobility-related services, participating PHAs work together in their regions to adopt administrative policies that further enable housing mobility, increase landlord participation, and reduce barriers for families to move across PHA jurisdictions through portability. The CCD includes a rigorous, independent evaluation to determine what services are most effective at helping families move to opportunity areas. HUD also intends to make materials developed for the Demonstration available to all PHAs for use in their own communities. Temporary Programs

(providing initial funding), and the Further Consolidated Appropriations Act, 2020 (

116-94 The Consolidated Appropriations Act, 2019 (Public Law 116-6, approved February 15, 2019) Public Law

) (expanding CCD).

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

( American Rescue Plan Act of 2021

Public Law 117-2, approved March 11, 2021)

The American Rescue Plan Act of 2021 (the “ARP Act”) includes supplemental appropriations to numerous HUD programs to address the continued impact of COVID-19. The ARP Act provided the following funds to HUD and HUD programs:

• Section 3202 provides Fiscal Year 2021 funding ($5 billion) to HUD for emergency

rental assistance vouchers for families or individuals who are (1) experiencing

homelessness; (2) at risk of homelessness; (3) fleeing or attempting to flee domestic

violence and other dangerous situations; or (4) recently experienced homelessness.

• Section 3205 provides Fiscal Year 2021 ($5 billion) funding under HUD’s HOME

Investment Partnerships Program, for tenant-based rental assistance, development and

support of affordable housing, supportive services, and the acquisition and development

of non-congregate shelter units. Eligible recipients include qualifying individuals or

families who are (1) homeless; (2) at risk of homelessness; (3) fleeing, or attempting to

flee, domestic violence and other dangerous situations; (4) in other populations where

providing assistance would prevent homelessness or would serve those with the greatest

risk of housing instability; or (5) veterans and families that include a veteran that meets

one of the qualifying criteria.

• Section 3208 provides Fiscal Year 2021 funding ($20 million) for HUD’s Fair Housing

Initiatives Program for fair housing organizations to address fair housing inquiries,

complaints, investigations, outreach services, and the costs of delivering or adapting

services related to the COVID-19 pandemic.

• Section 11003 provides additional Fiscal Year 2021 funding ($750 million) to Tribal

communities for Federal housing assistance through the Native American Housing Block

Grant, Native Hawaiian Housing Block Grant, and Indian Community Development

Block Grant programs.

The ARP Act also includes supplemental appropriations to other agencies’ housing-related programs that affect HUD and HUD programs, including the Department of Treasury’s Emergency Rental Assistance Program and Homeowner Assistance Fund, several USDA assistance programs for rural housing, and the Neighborhood Reinvestment Corporation.

( Inflation Reduction Act (IRA) approved August 16, 2022)

Public Law 117-169 ,

Related Agencies

Green and Resilient Retrofit Program (GRRP)

GRRP provides owners of HUD-assisted multifamily housing with capital resources to reduce carbon emissions, make utility efficiency improvements, incorporate renewable energy sources, and make properties more resilient against the effects of climate hazards. HUD has three paths (cohorts) of funding available to meet the needs of properties at all stages of redevelopment. The first funding path, Elements awards, provides funding for owners to include proven and meaningful climate resilience and utility efficiency measures in projects that are already in the process of a recapitalization transaction. The second path, Leading Edge awards, provides funding for ambitious retrofit activities to achieve an advanced green certification. This is geared toward properties in the planning stages of a recapitalization effort. The final funding path, Comprehensive awards, provides funding to properties with the highest need for climate resilience and utility efficiency upgrades, regardless of prior development or environmental retrofit experience.

Website: https://www.hud.gov/GRRP

Consolidated Appropriations Act, 2023

(Public Law 117-328, approved December 29, 2022)

Preservation And Reinvestment Initiative for Community Enhancement (PRICE)

The Consolidated Appropriations Act, 2023, created competitive grants to “preserve and revitalize manufactured housing and eligible manufactured housing communities.” The Appropriations Act limited grant recipients to States, units of general local government, resident-owned manufactured housing communities, cooperatives, nonprofit entities including consortia of nonprofit entities, community development financial institutions, Indian Tribes, or other entities approved by the Secretary.

Pathways to Removing Obstacles to Housing (PRO Housing)

The Consolidated Appropriations Act, 2023, created competitive grants to State and local governments, metropolitan planning organizations, and multijurisdictional entities for the identification and removal of barriers to affordable housing production and preservation through activities intended to further develop, evaluate, and implement housing policy plans, improve housing strategies, and facilitate affordable housing production and preservation.

Website: https://www.hud.gov/program_offices/comm_planning/pro_housing 3 Related Agencies

NeighborWorks America

3 The agencies included under this section are paired with HUD as “related agencies” in appropriations bills. Related Agencies

efforts. Provides financial support, technical assistance, and training for community-based revitalization 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’ 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 of HUD (or the Secretary’s designee) is a member of

Act ( Legal Authority: NeighborWorks’ board of directors. Title VI of the Housing and Community Development Amendments of 1978 Information Source:

NeighborWorks America, 999 North Capitol St. NE, Suite 900, Washington, DC 20002-4684.

Website: 42 U.S.C. 8101, et seq.). Neighborhood Reinvestment Corporation, doing business as

https://www.neighborworks.org/home

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

Council members. agency heads. The chairperson and vice chairperson are elected annually from among the 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 organizations. technical assistance to States, local governments, and other public and private nonprofit

et seq.). Legal Authority: Title II of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11311, Location: U.S. Interagency Council on Homelessness, 1275 First St. NE, Suite 227, Washington, DC 20552. Telephone: (202) 708-4663.

Website: Information Sources: Office of U.S. Interagency Council on Homelessness.

https://www.usich.gov/

Inactive Programs

Inactive Programs

Inactive programs are defined as those programs that received new, appropriated funding since 2013, but as of Fiscal Year 2023, are currently receiving no new funds or funds only for renewal of existing grants or commitments. Inactive programs also include programs that do not currently receive appropriated funds but still have significant activity due to program income, and loan guarantee or insurance products that have not issued guarantees or insurance in the last 10 years. Office of the Secretary

EnVision Center Demonstration. A pilot program for public-private collaboration to improve educational and employment opportunities, health outcomes, and community participation of January 2021. HUD-assisted households. HUD has not accepted new applications under this program since Community Planning and Development

Economic Development Initiative (“Competitive EDI”) Grants. Grants to directly enhance

assisted project. the security of Section 108 guaranteed loans or to improve the viability of the same Section 108 Resident Opportunity and Self-Sufficiency (ROSS) for Education Program. The ROSS for Education Program, also known as Project SOAR (Students + Opportunities + Achievements = Results) was a demonstration program reflecting HUD’s commitment to expand educational services to youth living in HUD-assisted housing. Project SOAR provided grant funding to public housing authorities to deploy education navigators to provide individualized assistance to public housing youth between the ages of 15 and 20 and their families in Free Application for Federal Student Aid (FAFSA) completion, financial literacy and college readiness, post-secondary program applications and post-acceptance assistance. HUD awarded approximately

Website: $2 million to nine PHAs in 2016 to hire education navigators.

https://archives.hud.gov/offices/pih/projectsoar/index.cfm

Rural Housing Stability Assistance Program. 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. While funds are appropriated, HUD exercises its discretion to allocate the funds to the Continuum of Care program.

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 Inactive Programs

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

Single Family Housing Programs

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 Manufactured Home Parks (Section 207). Provided mortgage insurance to help finance the construction or rehabilitation of manufactured home parks. HUD

has not endorsed a loan under this program since 2013. 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

Website: place. A NOFO was last published for Fiscal Year 2013.

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 persons with disabilities. HUD has neither solicited nor funded applications for new grants under CHSP since 1995, but Congress has provided funds to extend expiring grants on an annual basis.

Finding Aids

Finding Aids

The following names table and index are intended to assist readers in finding programs that are statutes. often referred to using the shorthand of their statutory designation, both in this document and in Commonly Used Program Names Table

Title Program Name Community Development Block Grants Statute Housing and Community Development I

I Property Improvement Loans and Act of 1974 National Housing Act

Manufactured Home Loans

II Non-Discrimination on the Basis of Americans with Disabilities Act

Disability by Public Entities in Housing-

VI Related Programs, Services, and Activities Civil Rights Act of 1964

VI Programs Equal Opportunity in HUD-Assisted

Title VI Loan Guarantee Program Native American Housing Assistance and

Self-Determination Act of 1996

VIII Fair Housing Act Lead Hazard Control

Civil Rights Act of 1968

X

Act of 1992 Housing and Community Development

Section Program Name Economic Opportunities for Low- and Statute Housing and Urban Development Act of

8 3 Very Low-Income Persons 1968 United States Housing Act of 1937 Low-Income Rental Assistance

108 Section 108 Loan Guarantees Housing and Community Development

Act of 1974

109 Nondiscrimination in Programs and Housing and Community Development

Activities Receiving Assistance Under Act of 1974

Title I of the Housing and Community

Development Act of 1974

184 Indian Home Loan Guarantees Housing and Community Development

Act of 1992

202 Supportive Housing for the Elderly Housing Act of 1959

203(b) One- to Four-Family Home Mortgage National Housing Act

Insurance

203(k) Rehabilitation Mortgage Insurance National Housing Act

213 207 Multifamily Rental Housing National Housing Act Cooperative Housing

National Housing Act

221(d)(2) Homeownership Assistance for Low- and National Housing Act

Moderate-Income Families

Finding Aids

Section Program Name

221(d)(3) Multifamily Rental Housing for Moderate- Statute National Housing Act

Income Families

223(f) Existing Multifamily Rental Housing National Housing Act

232 Elderly 231 Mortgage Insurance for Housing for the National Housing Act Nursing Homes, Intermediate Care National Housing Act

234 Facilities, and Board and Care Homes National Housing Act Condominium Housing

National Housing Act

504 (HECM) 242 Hospitals 255 Home Equity Conversion Mortgage National Housing Act Non-Discrimination on the Basis of Rehabilitation Act of 1973

811 Disability in HUD-Assisted Programs Housing Act of 1959

Disabilities Supportive Housing for Persons with

Finding Aids

Program Index

American Rescue Plan Act ....................... 97 Fair Housing Act ....................................... 76 Appropriations, 2012 RAD ...................................................... 93 Fair Housing Assistance (FHAP).............. 78 Appropriations, 2014 IWISH .................................................. 94 Fair Housing Initiatives (FHIP) ................ 79 Family Self-Sufficiency ............................ 55

Appropriations, 2015 Tribal HUD-VASH .............................. 94 FHA-Home Affordable Modification Appropriations, 2016 Resident Opportunity and Self- Ginnie Mae Program ............................................... 102

Mortgage-Backed Securities I .............. 88

Sufficiency (ROSS) for Education Multiclass Securities ............................. 89

Program .......................................... 101 Good Neighbor Next Door........................ 22

HECM ....................................................... 23

Appropriations, 2019 Youth Homelessness Demo .................. 95 Healthy Homes and Lead Hazard Control 91

Mobility Demonstration (Community HERA ........................................................ 93

Mobility Choice Demonstration ...... 96 Tax Credit Pilot .................................... 93

Appropriations, 2023 ................................ 98 HOME Investment Partnerships ............... 15

PRICE ................................................... 98 Housing Choice Voucher Program ........... 56

PRO Housing ........................................ 98 Housing Counseling Program ................... 51

Assisted-Living Conversion Program ..... 102 Housing Opportunities for Persons With Book-Rich Environments Initiative .......... 52 AIDS ..................................................... 17 Capacity Building for Community Housing Trust Fund .................................. 18

Development and Affordable Housing ... 3 Indian Housing Block Grants.................... 67

Choice Neighborhoods.............................. 53 Inflation Reduction Act............................. 98 CHSP....................................................... 102 Green and Resilient Retrofit Program Community Compass Technical Assistance (GRRP) ............................................ 98

and Capacity Building Program ............ 82 Interagency Council on Homelessness ... 100

Community Development Block Grants Jobs Plus.................................................... 59

(CDBG) Disaster Recovery Assistance ................ 4 Juvenile Reentry Assistance Program ..... 101 Loss Mitigation ......................................... 26

Entitlement ............................................. 5 MAHRA .................................................... 45

For Insular Areas .................................... 7 Manufactured Home Construction and

Indian .................................................... 66 Safety Standards.................................... 35

Non-Entitlement for States and Small Mark-to-Market Program .......................... 36

Cities .................................................. 8 Moving to Work ........................................ 60

Section 108 Loan Guarantee ................ 10 Multifamily Housing Service Coordinators

Competitive EDI Grants ......................... 101 ............................................................... 42 ConnectHomeUSA ................................... 54 Native Hawaiian Housing Block Grants ... 70 Continuum of Care Program ..................... 12 Neighborhood Reinvestment Corporation 99 Davis-Bacon and Labor Standards ............ 86 Policy Development and Research ........... 81 Project-Based Vouchers ............................ 61

Defense Authorization, 2015

Veteran Home Repair Demo ................ 95 Public Housing Capital Fund .................... 62

Emergency Solutions Grants (ESG) ......... 13 Public Housing Operating Fund................ 64 Energy Efficient Mortgage Program ......... 21 ROSS......................................................... 65 Equal Opportunity ..................................... 72 Rural Capacity Building ........................... 19 Rural Housing Stability Assistance ........ 101

Finding Aids

Section 184................................................ 68 Section 242................................................ 49 Section 184A ............................................. 69 Section 247................................................ 25 Section 202................................................ 46 Section 248................................................ 30 Section 203................................................ 29 Section 251................................................ 24 Section 203(h) ........................................... 28 Section 3.................................................... 87 Section 203(k) ........................................... 32 Section 32.................................................. 63 Section 204(g) ........................................... 33 Section 542(b) and (c) ............................... 43 Section 207.............................................. 102 Section 811................................................ 47 Section 207/223(f) .................................... 38 SHOP ........................................................ 20 Section 213................................................ 37 SUPPORT Act Recovery Housing Program (RHP) ...... 96 Section 220................................................ 40 Title I Manufactured Homes Loan Insurance . 27 Section 221(d)(3) and (4) .......................... 44

Section 231................................................ 39 Property Improvement Loan Insurance 31 Section 232................................................ 50 Title V ....................................................... 14 Section 232/223(f) .................................... 50 Title VI ...................................................... 71 Section 241................................................ 41

Table of Contents

Offices of the Secretary & Deputy Secretary ........................................................

Self-Help Housing Property Disposition Program .....................................................

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

Community Development Block Grant Disaster Recovery (CDBG-DR) Assistance .........4

Community Development Block Grants (CDBG) (Entitlement).........................................5

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

Community Development Block Grants (Non-Entitlement) for States and Small Cities ...8

Community Development Block Grants (Section 108 Loan Guarantee) ..........................10

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

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

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

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

Housing Opportunities for Persons with AIDS (HOPWA) ...............................................1

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

Rural Capacity Building for Community Development and Affordable Housing Grants

Self-Help Homeownership Opportunity Program (SHOP) ...............................................20

Office of Housing...................................................................................

Good Neighbor Next Door Sales Program (GNND) .......................................................

Home Equity Conversion Mortgage (HECM) (Section 255) ............................................23

Insurance for Adjustable Rate Mortgages (ARMs) (Section 251).....................................24

Insured Mortgages on Hawaiian Home Lands (Section 247) ............................................2

Loss Mitigation ....................................................................................

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

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

Mortgage Insurance for One- to Four-Family Homes (Section 203) ................................29

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 Loan Sale Program (SFLS) .............................................................

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

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

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

Mortgage Insurance for Purchase or Refinance of Existing Healthcare and Multifamily

Mortgage Insurance for Rental Housing for the Elderly (Section 231) .............................39

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)) ..................43

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) ...................................................

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 .......................................................................

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

Choice Neighborhoods................................................................................

ConnectHomeUSA .....................................................................................

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