Programs of HUD: Major Mortgage, Grant, Assistance, and Regulatory Programs 2018
Inactive programs are defined as those programs that received funding since 2009, but as of FY 2018, are receiving no new funds or funds only for renewal of existing grants or commitments.
Community Planning and Development
Brownfields Economic Development Initiative (BEDI). Competitive grant program was designed to assist cities with the redevelopment of abandoned and underused industrial and commercial facilities, where expansion and redevelopment is burdened by real or potential environmental contamination. The last appropriations were in FY 2010, and the expenditure deadline for those funds was September 30, 2016.
Capacity Building for Sustainable Communities. Grants through a cross-agency collaboration between HUD, the U.S. Department of Transportation (DOT), and the U.S. Environmental Protection Agency (EPA) to improve regional and local planning efforts that integrate housing and transportation decisions, and increase the capacity to improve land use and zoning to support market investments that support sustainable communities. No new money has been appropriated since FY 2010.
Community Challenge Grants. Grants administered in partnership with the U.S. Department of Transportation (DOT) and the U.S. Environmental Protection Agency (EPA) to enable the development of affordable, economically vital, and sustainable communities, including through the development and adoption of inclusionary zoning ordinances and other activities to support plan implementation. No new money has been appropriated since FY 2010.
Community Development Block Grants (Section 107). Grants for community development programs and related activities. Provides grants for community development and related programs as described below. Section 107 included several programs, including the HispanicServing Institutions Assisting Communities (HSIAC), Historically Black Colleges and Universities (HBCUs), Alaska Native/Native Hawaiian Institutions Assisting Communities (AN/NHIAC), and Tribal Colleges and Universities (TCUs) programs. No new funds have been appropriated since FY 2010.
Economic Development Initiative ("Competitive EDI") Grants. Grants to directly enhance the security of Section 108 guaranteed loans or to improve the viability of the same Section 108 assisted project.
Empowerment Zones. Tax incentives for renewal of economically disadvantaged areas. Authority for the tax credits expired on December 31, 2011.
Homelessness Prevention and Rapid Re-Housing Program (HPRP). The Recovery Act funded the Homelessness Prevention and Rapid Re-Housing Program (HPRP). The program provided formula grants to states, U.S. territories, metropolitan cities, and urban counties to provide temporary rental assistance and housing relocation and stabilization services to homeless families and individuals and low-income families and individuals at risk of homelessness. The three-year expenditure period for grantees ended in 2012.
HOPE for Homeowners. HERA established the HOPE for Homeowners program, under a new section 257 of the National Housing Act. HOPE for Homeowners was a voluntary program to help borrowers having difficulty paying their mortgages to refinance into FHA-insured mortgages they could afford. The HOPE for Homeowners program ended on September 30, 2011.
Neighborhood Stabilization Program (NSP1). NSP1 grants were awarded on a formula basis to state, local, and territorial governments and could be used to: establish financing mechanisms for purchase and redevelopment of foreclosed homes and residential properties; purchase and
rehabilitate abandoned or foreclosed homes and residential properties; establish land banks for foreclosed homes; demolish blighted structures; and redevelop demolished or vacant properties. No new funds have been provided for NSP1.
Neighborhood Stabilization Program (NSP2). The Recovery Act included an additional $2 billion appropriation for NSP2 for the redevelopment of abandoned and foreclosed homes and residential properties. The Recovery Act also authorized the establishment of the NSP Technical Assistance (NSP-TA) program to improve the capacities of NSP grantees and the implementation of their programs.
Neighborhood Stabilization Program (NSP3). The Dodd-Frank Act authorized $1 billion for NSP3 for formula grant awards to states and units of general local government to undertake eligible activities as provided under HERA, and HUD may make available up to 2 percent of the funds for technical assistance grants.
Rural Innovation Fund. Grants to build state and local capacity for rural housing and economic development. No new funds have been appropriated since FY 2010.
Sustainable Communities Regional Planning Grants. Issued in coordination with the U.S. Department of Transportation (DOT) and the U.S. Environmental Protection Agency (EPA), grants provide support to metropolitan and multijurisdictional planning efforts to consider
challenges of economics, energy use, public health, and the environment. No new money has been appropriated since FY 2010.
Tax Credit Assistance Program (TCAP). The Recovery Act appropriated funds for the Tax Credit Assistance Program (TCAP), a grant program that provided funds for capital investments in stalled Low-Income Housing Tax Credit (LIHTC) projects, via a formula-based allocation to 52 state housing credit agencies (the 50 states plus the District of Columbia and the Commonwealth of Puerto Rico). The housing credit agencies in each state distributed these funds competitively and according to their qualified allocation plan. No new funds have since been provided for TCAP.
Housing/Federal Housing Administration
Single Family Housing Programs
Emergency Homeowners Loan Program. The Dodd-Frank Act reauthorized the emergency homeowners assistance program provided by the Emergency Housing Act of 1975 (12 U.S.C. 2701 et seq.). The program provided FHA the authority for 24-months to insure or make loans to, or emergency mortgage payments on behalf of, homeowners to defray mortgage expenses so as to prevent widespread mortgage foreclosures and distress sales of homes due to a substantial reduction of income resulting from a number of qualifying events.
FHA-Home Affordable Modification Program (FHA-HAMP). FHA-HAMP was an enhanced loss mitigation option that combined a loan modification with a partial claim, allowing homeowners to reduce monthly mortgage payment options and avoid foreclosure. Please note that FHA also uses this term to describe one of its current loss mitigation waterfall options.
Mortgage Insurance for Older, Declining Areas (Section 223(e)). Mortgage insurance to purchase or rehabilitate housing in older, declining urban areas. The insurance is still available, but there has been little activity in recent years.
Mortgage Insurance for Condominium Units (Section 234(c)). This provides mortgage insurance for the purchase only of individual condominium units constructed under a blanket mortgage under section 234(d). Almost all FHA mortgage insurance for individual condominiums is now provided under section 203(b).
Housing in Military Impacted Areas (Section 238). Federal mortgage insurance for housing in areas affected by military installations. A final rule published on February 16, 2012 at 77 FR 9177, suspended the section 238(c) Single-Family Mortgage Insurance program. Borrowers that would have been served under the program are served equally well under the section 203(b) of the National Housing Act (12 U.S.C. 1709(b)).
Multifamily Housing Programs
Congregate Housing Services Program (CHSP). Federal grants to eligible housing projects for the elderly and disabled. HUD has neither solicited nor funded application for new grants under CHSP since 1995, but Congress has provided funds to extend expiring grants on an annual basis.
Energy Innovation Fund. The FY 2010 appropriations act included an appropriation of $25 million for the Multifamily Energy Pilot Program, directed at the multifamily housing market. The goal of the program was to support innovations in financing and conducting applied research to address primary barriers to the retrofitting of certain multifamily residential properties to be more energy efficient on a cost-effective basis.
Flexible Subsidy Fund (Section 201). Federal aid for troubled multifamily housing projects, as well as capital improvement funds for both troubled and stable subsidized projects. No new commitments are being made.
Emergency Capital Repairs Program. Grants for substantial capital repairs to eligible multifamily projects that are owned by private nonprofit entities. No new funding since FY 2010.
Green Retrofit Program for Multifamily Housing. The Recovery Act included a $250 million appropriation for the Assisted Housing Energy & Green Retrofit Program. Grants and loans were made available to eligible property owners to make energy and green retrofit investments in property and to maintain energy efficient technologies.
Multifamily Rental Housing (Section 207). Federal mortgage insurance to finance construction or rehabilitation of a broad cross section of rental housing. In fiscal year 2011, FHA did not insure any mortgages under this section. Privately owned new construction and substantial rehabilitation of multifamily rental projects are generally insured under Section 221(d)(4), because it is more advantageous to the developer.
Mortgage Insurance for Single Room Occupancy Projects (Section 221(d)). Mortgage insurance for the new construction or substantial rehabilitation of single room occupancy (SRO) facilities. The SRO program without subsidies has not been used in recent years because funding is no longer available for new commitments beyond renewing expiring contracts. The more active program is Section 8 Moderate Rehabilitation Single Room Occupancy
Public and Indian Housing
HOPE VI. The program allows HUD to provide competitive grants to PHAs to carry out HOPE VI-eligible activities, encouraging public housing agencies (PHAs) to seek new partnerships with private entities to create mixed-finance and mixed-income affordable housing. PHAs provide matching contributions in amounts at least equal to five percent of the grant amount. The activities permitted under HOPE VI include, but are not limited to: the capital costs of demolition, major reconstruction, rehabilitation, and other physical improvements; the provision of replacement housing; management improvements; planning and technical assistance; and the provision of supportive services (including the funding, beginning in FY 2000, of an endowment trust for supportive services). No new funding has been appropriated since FY 2010. HUD is currently administering existing grants.
Section 8 Moderate Rehabilitation Program. The Moderate Rehabilitation (Mod Rehab) program provides project-based rental assistance to low-income families. No new rehabilitation commitments are authorized for this program.
Public Housing Capital Fund (Formula and Competitive). The Recovery Act included funds for the Public Housing Capital Fund, to be used for capital and management activities for public housing agencies (PHAs), as authorized under Section 9 of the United States Housing Act of 1937. The Recovery Act requires that funds be distributed by both formula grants and competition. The use of funds varies based on each PHA’s specific needs and its assessment of priorities. Funds could be used to rehabilitate, develop, and retrofit public housing units and provide employment for construction workers and skilled laborers. Both formula and competitive funds have all been obligated as of September 30, 2009.
Office of Lead Hazard Control and Healthy Homes
Healthy Homes Demonstration Grant Program Studies Grants (Recovery Act). The Recovery Act appropriated funds for the Healthy Homes Demonstration Grant Program and the Healthy Homes Technical Studies Grants. The demonstration program provided funding for developing, demonstrating, and evaluating cost-effective, preventative measures to correct multiple residential safety and health hazards that produce diseases and injuries in children and other sensitive subgroups, such as the elderly. The technical studies grant provided funds for research to gain knowledge on improving the efficacy and cost-effectiveness of methods for evaluation and control of residential lead-based paint hazards. The Recovery Act funds were obligated as of September 30, 2009; grants awarded under those funds have all been completed and closed.
Lead-Based Paint Hazard Control Grant Program and Lead Hazard Reduction Demonstration Grant Program (Recovery Act). The Recovery Act appropriated funds for the Lead-Based Paint Hazard Control Grant Program and the Lead Hazard Reduction Demonstration Grant Program. The programs funded inspections, risk assessments, temporary relocations, workforce training, abatement, and interim control of lead-based paint hazards in eligible privately owned, single family housing units, and multifamily buildings that are occupied by low-income families. The Lead Hazard Demonstration Grant Program assisted areas with the highest lead paint abatement needs. The Recovery Act funds were obligated as of September 30, 2009; grants awarded under those funds have all been completed and closed.