Housing Assistance Council

Housing Assistance Council

A GUIDE TO FEDERAL HOUSING AND COMMUNITY DEVELOPMENT

PROGRAMS FOR SMALL TOWNS AND RURAL AREAS

$7.00 February 2003 Housing Assistance Council 1025 Vermont Avenue, N.W. Suite 606 Washington, DC 20005 202-842-8600 (voice) 202-347-3441 (fax) hac@ (e-mail)

ISBN 1-58064-126-1

This report was updated by Art Collings, Sarah Davidson, Mary Stover, Jennifer Pinder, Adrienne Smith, Leslie R. Strauss, and other staff of the Housing Assistance Council (HAC). The work that provided the basis for this publication was supported by funding under cooperative agreements H-21132 and H-21292 with the U.S. Department of Housing and Urban Development (HUD). Ndeye Jackson served as Government Technical Representative. The substance and funding of that work are dedicated to the public. HAC is solely responsible for the accuracy of the statements and interpretations contained in this publication and such interpretations do not necessarily reflect the views of the United States Government.

HAC, founded in 1971, is a nonprofit corporation that supports the development of rural lowincome housing nationwide. HAC provides technical housing services, loans from a revolving fund, housing program and policy assistance, research and demonstration projects, and training and information services. HAC is an equal opportunity lender.

TABLE OF CONTENTS

Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

U.S. Department of Agriculture Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Rural Housing Service Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Homeownership Direct Loan Program (Section 502 Direct) . . . . . . . . . . . . . . . . . . . 5 Homeownership Guaranteed Loan Program (Section 502 Guaranteed) . . . . . . . . . . 8 Very Low-Income Housing Repair Loans and Grants (Section 504) . . . . . . . . . . . . . 9 Rural Housing Application Packaging Grants (Section 509(f)) . . . . . . . . . . . . . . . 11 Rural Rental and Cooperative Housing Loans (Section 515) . . . . . . . . . . . . . . . . . 11 Farm Labor Housing Loans and Grants (Sections 514/516) . . . . . . . . . . . . . . . . . 14 Rural Rental Assistance Payments (Section 521) . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Rural Self-Help Housing Technical Assistance Grants (Section 523) . . . . . . . . . . . 17 Rural Housing Site Loans (Sections 523 and 524) . . . . . . . . . . . . . . . . . . . . . . . . . 18 Rural Housing Preservation Grants (Section 533) . . . . . . . . . . . . . . . . . . . . . . . . . 19 Guaranteed Rural Rental Housing Program (Section 538) . . . . . . . . . . . . . . . . . . . 20 Direct Housing Natural Disaster Loans and Grants (Section 504 Disaster Loans and Grants) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Direct Housing Natural Disaster (Section 502 Disaster Loans) . . . . . . . . . . . . . . . . 23 Rural Capacity Development Initiative . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Empowerment Zones Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25

Rural Development Community Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Water and Waste Disposal Systems for Rural Communities . . . . . . . . . . . . . . . . . . 26 Water and Waste Disposal Loans and Grants (Section 306C) . . . . . . . . . . . . . . . . 27 Community Facilities Loans and Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 Business and Industry Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Rural Business Enterprise Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Rural Business Opportunity Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Smaller Rural Development Community Programs . . . . . . . . . . . . . . . . . . . . . . . . 32

Department of Housing and Urban Development Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35

Public, Indian, and Assisted Housing Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 350 Public Housing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 Public Housing Capital Fund Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 Section 8 Housing Choice Vouchers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Family Self-Sufficiency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Resident Opportunity and Supportive Services . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 Public and Indian Housing Drug Elimination Program . . . . . . . . . . . . . . . . . . . . . . 41 Indian Housing Block Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 Indian Community Development Block Grant Program . . . . . . . . . . . . . . . . . . . . . 43

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Loan Guarantees for Indian Housing (Section 184) . . . . . . . . . . . . . . . . . . . . . . . . 44 Title VI Federal Guarantees for Financing Tribal Housing Activities . . . . . . . . . . . . 45

Community Development Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 Community Development Block Grants/Small Cities Program . . . . . . . . . . . . . . . . 46 Community Development Block Grants/Special Purpose Grants/ Insular Areas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 Community Development Block Grants/Special Purpose Grants/ Technical Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 Opportunities for Youth ? Youthbuild Program . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 Rural Housing and Economic Development Program . . . . . . . . . . . . . . . . . . . . . . . 50 HOME Investment Partnerships Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51 Self-Help Homeownership Opportunity Program . . . . . . . . . . . . . . . . . . . . . . . . . 52 Housing Opportunities for Persons with AIDS . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53

FHA/Housing Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 Mortgage Insurance ? Homes (Section 203(b)) . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 Interest Reduction Payments ? Rental and Cooperative Housing for Lower Income Families . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55 Manufactured Home Loan Insurance ? Financing Purchase of Manufactured Homes as Principal Residences of Borrowers . . . . . . . . . . . . . . . . . . . . . . 56 Mortgage Insurance - Homes in Outlying Areas (Section 203(i)) . . . . . . . . . . . . . . 57 Mortgage Insurance - Manufactured Home Parks . . . . . . . . . . . . . . . . . . . . . . . . . 58 Property Improvement Loan Insurance for Improving All Existing Structures and Building of New Nonresidential Structures . . . . . . . . . . . . . 59 Mortgage Insurance ? Combination and Manufactured Home Lot Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59 Housing Counseling Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 Housing for the Elderly (Section 202) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61 Supportive Housing for Persons with Disabilities (Section 811) . . . . . . . . . . . . . . 62 Demolition and Revitalization of Severely Distressed Public Housing (HOPE VI) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63

Homeless Assistance Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65

General Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65 Emergency Food and Shelter National Board Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 Emergency Shelter Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67 Projects for Assistance in Transition from Homelessness . . . . . . . . . . . . . . . . . . . . . . . . . . 69 Runaway and Homeless Youth . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70 Section 8 Moderate Rehabilitation Single Room Occupancy Component . . . . . . . . . . . . . 71 Shelter Plus Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 72 Surplus Federal Property to Assist the Homeless . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74 Supportive Housing Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75

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Other Federal Agencies' Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77

Economic Development Administration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77 Economic Development ? Grants for Public Works and Economic Development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77 Economic Adjustment Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78

Department of the Interior . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79 National Parks Service ? Historic Preservation Fund Grants-in-Aid . . . . . . . . . . . . . 79 Indian Child Welfare Act Title II Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80 Indian Housing Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80 Indian Loans ? Economic Development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81

Department of Energy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82 Weatherization Assistance for Low-Income Persons . . . . . . . . . . . . . . . . . . . . . . . . 82

Environmental Protection Agency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83 Construction Grants for Wastewater Treatment Works . . . . . . . . . . . . . . . . . . . . . 83

Department of Labor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84 Migrant and Seasonal Farmworkers (Section 402) . . . . . . . . . . . . . . . . . . . . . . . . 84

Department of Health and Human Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85 Low-Income Home Energy Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85 Social Services Block Grant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85 Community Services Block Grant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86 Community Services Block Grant ? Discretionary Awards . . . . . . . . . . . . . . . . . . . 87

Department of Veterans Affairs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 88 Veterans Homeless Providers Grant and Per Diem Program . . . . . . . . . . . . . . . . . . 88

Department of the Treasury . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 89 Community Development Financial Institutions Fund . . . . . . . . . . . . . . . . . . . . . . 89 New Markets Tax Credit Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90

Private Investment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 92

Community Reinvestment Act . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 92

Federal Home Loan Banks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 93 Additional Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 94 Affordable Housing Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 94 Community Investment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 95 Community Investment Cash Advance Program . . . . . . . . . . . . . . . . . . . . . . . . . . 95 Standby Letters of Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 96

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