Housing Support Programs Across the Federal Government

INTRODUCTION

hether you are an individual looking to

build/buy a house or renovate your cur-

rent home or a tribal housing authority searching

for additional support for tribal elder housing,

this guide introduces almost every Federal re-

source available to support housing opportuni-

ties in Indian Country. Tribes, tribal citizens and

organizations have utilized all of these resources

to expand housing access and improve current

housing stock. This guide was developed by the

White House Council for Native American Aairs

(WHCNAA) Economic Development and Infra-

structure subgroup.

A copy of this document will be made available

online at www.usda.gov/otr

Annually–Request For

Applications Once a Year

Annually*–Request For

Applications Dependent

On Available Funding

NC–Non-competitive

N/A–Not Applicable

Year-Round–Applications

Accepted At Any Time

Housing Support Programs

Across the Federal Government

Program

Application Timeline Agency

Eligible Typical Amount Rates and Terms

Applicants Eligibility Requirements Authorized Purposes of Assistance Subject to Change

Community Facilities Rural

Guaranteed Loan Development,

(CF Guarantee) USDA

YEAR-ROUND

Organizations, Cities, towns, unincorporated areas with less than The loans can be used for real estate and equip- $100,000 - $10 million Up to 90% loan guarantee

Tribes 20,000 population. ment-type projects, including but not limited to No maximum loan limit with rates negotiated between

public homeless shelters and senior care facilities. borrower and lender—ﬁxed or

variable rates

Community Facilities Rural

Direct Loan Development,

(CF Direct) USDA

YEAR-ROUND

Organizations, Cities, towns, unincorporated areas with less than The loans can be used for real estate and equip- $100,000 - $5 million Market rates ﬁxed; 40 years

Tribes 20,000 in population. ment-type projects, including but not limited to No maximum loan limit maximum

public homeless shelters and senior care facilities.

Community Facilities Rural

Grants (CF Grant) Development,

YEAR-ROUND USDA

Organizations, Cities, towns, unincorporated areas with less than The grants can be used for real estate and equip- $15,000 - $50,000 Grant

Tribes 20,000 population. ment-type projects, including but not limited to

public homeless shelters and senior care centers.

Indian Housing Block HUD

Grant (IHBG)

Tribes Federally recognized tribe/villages as well as one of HUD provides block-grant funds to tribe or tribally $650 million Varies (distributed according

5 state recognized tribes. designated housing authority supporting housing for to formula)

low-to-moderate income residents on tribal lands.

Title VI Loan Oce of Native

Leveraging Program American

YEAR-ROUND Programs,

HUD

Tribes Federally recognized tribe/villages as well as one of Tribes leverage their IHBG funds for larger scale $2 million for entire program Varies

5 state recognized tribes. projects to provide housing for low-to-moderate

income residents on tribal lands.

JEC ST

Indian Community Oce of Native

Development Block American

Grant (ICDBG) Programs,

ANNUALLY HUD

Tribes Federally recognized tribe/villages and a few state Infrastructure and other activities related to housing $60 million Varies

recognized tribes. and community development.

HOUSING PRO

CDFI Bond Community

Guarantee Program Development

Financial

ANNUALLY* Institutions Fund

(CDFI Fund),

Treasury

Organization Certiﬁed CDFIs and entities designated by Certiﬁed Provides a source of long-term debt to CDFIs and Min. Bond Issue size of $100 Negotiated between borrower

CDFIs (i.e., Qualiﬁed Issuers). the CDFIs use the debt capital to lend in Low-In- million that includes a max. of and the CDFI Fund. Maximum

come or Undeserved Rural Areas to spur economic 10 Bond Loans of $10 million Bond and Bond Loan maturities

development. each. of 29.5 years. Fixed interest rates

based on the Federal Financ-

Guaranteed bonds may be used to provide long-term FY 2016 budget requests ing Bank rates. The Bonds are

capital to ﬁnance small businesses, rental housing, Guarantee Authority not to non-recourse obligations of the

rural infrastructure, healthcare facilities, senior living exceed $1 billion annually. Qualiﬁed Issuers and the Bond

facilities, charter schools, and other asset classes. Loans are secured and general

recourse obligations of the

Eligible CDFIs.

OMMUNITY

New Markets Tax Community

Credit Program Development

ANNUALLY* Financial

Institutions Fund

(CDFI Fund),

Treasury

Organization Community Development Entities (CDEs) certi- CDEs use funds raised through NMTCs to oer Average tax credit allocation N/A

ﬁed by CDFI Fund receive, through a competitive loans, equity investments and ﬁnancial counseling authority of approximately

process, authority to issue New Market Tax Credits and related services to Qualiﬁed Active Low Income $50 million per CDE.

(NMTCs). All Native CDFIs are eligible to be certiﬁed Community Businesses located in Low-Income

as CDEs. Communities.

Capital Magnet Fund Community

ANNUALLY* Development

Financial

Institutions Fund

(CDFI Fund),

Treasury

Organizations Certiﬁed CDFIs and qualiﬁed nonproﬁt housing CMF awards grants to CDFIs and qualiﬁed non-proﬁt Grants N/A

organizations. housing organizations. Funds can be used to ﬁnance

aordable housing activities as well as related eco-

nomic development activities and community

service facilities.

Native American Community

CDFI Assistance Development

Program (NACA Financial

Program) - Financial Institutions Fund

Assistance (CDFI Fund),

ANNUALLY Treasury

Organizations Certiﬁed CDFIs that primarily serve Native Com- To build Native CDFIs’ ﬁnancial capacity to lend to $12 million for FY 2015 Fund- NACA awards can be in the form

munities (Native CDFIs) and have a track record of support access to capital and credit in Native com- ing Round in total. of loans, grants, Equity Invest-

serving Native Communities. munities. The funds can be used in ﬁve categories: ments, and deposits and credit

•Financial Products; union shares. The form of the FA

Applicant income limits apply. •Financial Services; award is based on the form of

•Loan Loss Reserves; the matching funds.

•Development Services; and

•Capital Reserves.

Native American Community

CDFI Assistance Development

Program (NACA Financial

Program) - Technical Institutions Fund

Assistance (CDFI Fund),

ANNUALLY Treasury

Organizations Native CDFIS, organizations that propose to create a To build Certiﬁed, Certiﬁable, and Emerging CDFIs’ $3 million for FY 2015 Funding Grant

Native CDFI, and emerging Native CDFIs . organizational capacity to serve their groups’ Target Round in total.

Market, and Sponsoring Entities’ ability to create

Applicant income limits apply. Certiﬁed CDFIs that serve Native Communities.

ANCE

Single Family Rural

Housing Direct Loan Development,

(502 Direct) USDA

YEAR-ROUND

Tribal Generally, rural areas with a population less than Buy, build, improve, repair, or rehabilitate a rural Up to 100% of the market val- Fixed rate; can be subsidized

Members 35,000 are eligible. Applicant income limits apply. home as the applicant’s primary and permanent ue of the home. Closing costs depending on income; standard

See http://eligibility.sc.egov.usda.gov/eligibility/” residence. and repairs may be included. loan term of 33 years; can be

USDA Income and Property eligibility website for extended to 38 in some instances

complete details.

SINGLE AM YF

HOUSING ASSIST

Single Family Rural

Housing Guarantee Development,

Loan USDA

(502 Guarantee)

YEAR-ROUND

Tribal Generally, rural areas with a population less than Buy, build, improve, repair, or rehabilitate a rural Up to 100% of the market Fixed 30-year mortgage rate is

Members 35,000 are eligible. Applicant income limits apply. home as the applicant’s primary and permanent value of the home. Guarantee negotiated with the lender.

See http://eligibility.sc.egov.usda.gov/eligibility/ residence. fee and closing costs may be

USDA Income and Property eligibility website for included.

complete details.

Self Help Technical Rural

Assistance Grant Development

USDA

Organizations Generally, rural areas with a population less than Technical assistance to help small groups of families Grants in excess of $300,000 Technical assistance grant with a

Tribes 35,000 are eligible. Visit the USDA Income and Prop- build each other’s homes. require headquarters ap- two year grant agreement.

erty eligibility website for complete details. proval.

White House Council for Native American Aairs September 2016

Program Eligible Typical Amount Rates and Terms

Application Timeline Agency Applicants Eligibility Requirements Authorized Purposes of Assistance Subject to Change

RESOURCES

Single Family Rural Tribal Income must be at or below 50% of the county median Loans may be used to repair, improve, or modernize $20,000 maximum Interest rate is 1% ﬁxed

Housing Repair Loan Development, Members income level for each family size Applicants must currently homes or remove health and safety hazards. outstanding loan at any time rate with a maximum

(504) loan Program USDA own and occupy the home. loan term of 20 years

YEAR-ROUND Generally, rural areas with a population less than 35,000 determined by repayment

are eligible. Applicant income limits apply. ability

See http://eligibility.sc.egov.usda.gov/eligibility/

TION

Single Family Rural Tribal Applicants with income at or below 50% of the median Grants must be used to correct health and safety $7,500 lifetime maximum Grant recipient must

Housing Repair Grant Development, Members income limit for the county in which they reside, that own hazards or to provide accessibility to households live in dwelling 3 years

(504 Grant) USDA their home, and are at least 62 years of age or older. with disabilities. after the grant is made or

YEAR-ROUND Generally, rural areas with a population less than 35,000 repay the grant funds

are eligible. Applicant income limits apply.

See http://eligibility.sc.egov.usda.gov/eligibility/

AIR/R VAENO

Housing Rural Organizations, Generally, rural areas with a population less than 35,000 Any program that oers aordable assistance (loans, $20,000 - $50,000 Grant

Preservation Grant Development, Tribes are eligible. Applicant income limits apply. grants, subsidies, technical assistance, etc.) to repair

(HPG 533 Grant) USDA See http://eligibility.sc.egov.usda.gov/eligibility/ low income housing.

ANNUALLY

REP

Multi-family Housing Rural Organizations Section 514, 515, and 516 borrowers. •Preserve and improve existing Rural Rental Hous- Limited funding Varies

Preservation and Development, ing and O-Farm Labor Housing projects in order

Revitalization Loans USDA to extend their aordable use without displacing

and Grants (MPR) tenants through increased rents

ANNUALLY* •A third party Capital Needs Assessment (CNA) will

help identify project needs.

Weatherization DOE Tribes Section 514, 515, and 516 borrowers in States, Territories, Provides grants to states, territories, and some Indian Approximately $6,500 per

Assistance Program and Some Indian Tribes. tribes to improve the energy eciency of the homes home

of low-income families.

TION

Farm Labor Housing Rural Organizations, Nonproﬁt limited partnerships with NP GP, nonproﬁts, Construction of new o-farm farm labor housing $3 million maximum (total loan Loan: 1% ﬁxed; 33 years //

(514/516 Loan and Development, Tribes tribes, public agencies. units and related facilities for year-round and migrant and grant). Limited partner- Grant: 33 years

Grant) USDA domestic farm laborers. ships with NP GP are not eligi-

ANNUALLY ble for Section 516 Grants

TRUC

Rural Housing Site Rural Organizations Generally, rural areas with a population less than 35,000 Purchase sites for construction of self help homes; Annual Allocation 3% for 2 years

Loans Section 523 Development, are eligible. Private or public nonproﬁt organizations. loan is repaid as lots are sold.

YEAR-ROUND USDA See “http://eligibility.sc.egov.usda.gov/eligibility/

ONC S

Rural Housing Site Rural Organizations Generally, rural areas with a population less than 35,000 Purchase sites for construction of home; loan is Annual Allocation Market rate at time of

Loans Section 524 Development, are eligible. See http://eligibility.sc.egov.usda.gov/eligibility/ repaid as lots are sold. loan approval or closing

YEAR-ROUND USDA Private or public nonproﬁt organizations. for 2 years

Rural Rental Housing Rural Organizations, Rural Areas of 35,000 people or less. Develop new rental housing. $1 million maximum. In recent 1% ﬁxed (using interest

Direct Loan (515 Development, Tribal Mem- years there has been no fund- credit); 30 years with

Loan)

ANNUALLY USDA bers, Tribes ing available to ﬁnance new 50-year

construction. amortization

Guaranteed Rural Rural Organizations, Rural Areas of 35,000 people or less. Loans for new construction, purchase and No maximum or minimum Negotiated between bor-

Rental Housing Loan Development, Tribal rehabilitation/renovation of existing apartments. amount rower and lender. (USDA

(GRRH 538 Loan) USDA Members, may provide interest

YEAR-ROUND Tribes credit to reduce the eec-

tive interest rate)

ANT

Rental Assistance Rural Tribal Property: Section 514 and 515 borrowers; AND Tenants: USDA provides subsidy to multi-family housing Makes up the dierence be- N/A

Program Development, Members Persons with disabilities or income less than 80% of area complex owner for rental assistance. tween the tenant’s contribution

YEAR-ROUND USDA median income, and unable to pay the basic monthly rent (30% of adjusted income) and

may petition the 514 or 515 borrower to apply for RA. the monthly rental rate

Indian Loan Oce of Native Tribal Provide access to loan ﬁnancing for Native American $6 million Varies

Guarantee Program American Members (or AIAN) families and tribes, guaranteeing the mort-

(Section 184) Programs, gage of a prospective mortgage applicant.

YEAR-ROUND HUD

GE & REN AL ASSISMORTGA T

Making Home Oce of Financial Tribal Homeowners may be eligible for MHA programs if: Assist homeowners struggling with their monthly

Aordable (MHA) Stability , Members •Due to ﬁnancial hardship, they are struggling to make mortgage payments by lowering their mortgage

/ Home Aordable Treasury their mortgage payments. payments, reﬁnancing at lower interest rates, getting

Modiﬁcation Program •They are behind or in danger of falling behind on their help if mortgage balance exceeds property value, or

(HAMP) mortgage. helping the applicant to transition to more aordable

YEAR-ROUND •They owned the home before January 2009 and the housing through a short sale or deed-in-lieu.

property has not been condemned.

•They owe up to $729,750 on their primary residence or

one-to-four unit rental property (loan limits are higher for

two- to four-unit properties).

•They have not been convicted within the last 10 years

of a crime in connection with a mortgage or real estate

transaction.

Making Home Federal Housing Tribal Homeowners (1) whose loan-to-value (LTV) ratio exceeds Assist homeowners whose home values have Program is extended until the

Aordable (MHA) Finance Agency Members 80%, (2) whose mortgage loans are owned by Freddie declined, and who are unable to reﬁnance their mort- end of 2016.

/ Home Aordable Mac or Fannie Mae, (3) who owned the home before May gage loans at current low interest rates because they

Reﬁnance Program 31, 2009, (4) who made no late mortgage payments in the have little, no or negative home equity.

(HARP) past 6 months and no more than one late payment in the

past year, and (5) whose home is a primary residence, a

1-unit second home, or a 1- to 4-unit investment property.

Veteran Aairs Health Care Organizations; Only programs with supportive housing (up to 24 months) Purpose is to promote the development and Grants: limit is 65% of costs of

Homeless Providers for Homeless Tribes or service centers are eligible for these funds. provision of supportive housing and/or supportive construction, renovation, or

Grant and Per Diem Veterans Program services with the goal of helping homeless Veterans acquisition of a building for use

(GPD) Program (HCHV), achieve residential stability, increase their skills as service centers or traditional

ANNUALLY VA levels and/or income, and obtain greater self- housing for homeless Veterans

determination. Per Diem: maximum of

$43.32/day

CES

Special housing Veterans Beneﬁts Tribal Blindness in both eyes with 20/200 visual acuity or less, To help Veterans or their family members with Maximum dollar amount Maximum of 3 grants, up

Adaptation (SHA) Administration, Members OR loss of or loss of use of both hands OR, certain severe certain service-connected disabilities adapt or allowable in FY15 is $14,093. to the maximum dollar

Grant VA burn injuries, OR certain severe respiratory injuries. purchase a home to accommodate the disability. Temporary grant for $5,523 allowable

TERANS RESOUR

Specially Adapted Veterans Beneﬁts Tribal Loss of or loss of use of both legs OR, loss of or loss of Help Veterans with certain service-connected Maximum dollar amount for FY Maximum of 3 grants, up

Housing (SAH) Grant Administration, Members use of both arms OR, blindness in both eyes having only disabilities to 15 is $70,465; temporary grant to the maximum dollar

VA light perception, plus loss of or loss of use of one leg OR, •construct a specially adapted home on land to be         for $30,934 allowable

the loss of or loss of use of one lower leg together with acquired;

residuals of organic disease or injury OR, the loss of or loss •build a home on land already owned if it is suitable          

of use of one leg together with the loss of or loss of use for specially adapted housing

of one arm OR, certain severe burns OR, the loss or loss of •remodel an existing home if it can be suitable for         

use of one or more lower extremities due to service on or specially adapted housing

after September 11, 2001, which so aects the functions of •apply the grant against the unpaid principal mort       -

balance or propulsion as to preclude ambulating without gage balance of an adapted home already acquired

the aid of braces, crutches, canes, or a wheelchair. without the assistance of a VA grant.

Native American VA Tribal Must have available entitlement, tribal government must Provides direct home loans from VA to eligible Loans 4.0% ; subject to change

Veterans Direct Members have signed an MOU with the Secretary of Veterans Aairs, Native American Veterans to ﬁnance the purchase, due to market ﬂuctua-

Home Loans loan must be to purchase, construct, or improve a home construction, or improvement of homes on Federal tions

on Federally-recognized trust or allotted land, Veteran Trust land, or to reﬁnance a prior NADL to reduce the

must occupy the property as his or her home, must be a interest rates.

satisfactory credit risk, income of Veteran and Spouse must

be shown to be stable and sucient to meet mortgage

payments, cover costs of other home expenses, take care

of other obligations and expenses, and have enough left-

over to support the family.