2) $100,000 to Fix Up Homes in the Country
Called “The Very Low Income Housing Loans Program” and referred to as Program #10.410 in the Catalog of Federal Domestic Assistance, this program helps very low, low-income, and moderate-income households to obtain modest, decent, safe, and sanitary housing for use as a permanent residence in rural areas. Direct and guaranteed loans may be used to buy, build, or improve the applicant's permanent residence. New manufactured homes may be financed when they are on a permanent site, purchased from an approved dealer or contractor, and meet certain other requirements. Under very limited circumstances, homes may be re-financed with direct loans. Dwellings financed must be modest, decent, safe, and sanitary. The value of a home financed with a direct loan may not exceed the area limit. Direct loans are made at the interest rate specified in RD Instruction 440.1, Exhibit B (available in any Rural Development local office), and are repaid over 33 years or 38 years for applicants whose adjusted annual income does not exceed 60 percent of the area median income, if necessary to show repayment ability. Payment assistance is granted on direct loans to reduce the installment to an "effective interest rate" as low as one percent, depending on adjusted family income. Payment assistance is subject to recapture by the government when the customer no longer resides in the dwelling. There is no funding provided for deferred mortgage authority or loans for deferred mortgage assumptions. Guaranteed loans may be made to refinance either existing RHS Guaranteed Housing loans or RHS Section 502 Direct Housing loans. Guaranteed loans are amortized over 30 years. The interest rate is negotiated with the lender. Contact your local office of the U.S. Department of Agriculture Rural Housing Service at http://offices.usda.gov/scripts/ndISAPI.dll/oip_public/USA_map.

3) $300,000 for People whose Homes Were Hurt by a Disaster
Called the “Mortgage Insurance – Home For Disaster Victims Program” and referred to as Program #14.119 in the Catalog of Federal Domestic Assistance, this program helps victims of a major disaster undertake homeownership on a sound basis. Disaster victims are not required to meet the three percent minimum investment requirements. In order to qualify for assistance, the formerly occupied home must have been in an area designated by the President as a disaster area, and it must have been destroyed or damaged to such an extent that reconstruction or replacement is necessary. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

4) $100,000 to Buy or Fix Up Houses in Older Areas of a Town
Called the “Mortgage Insurance – Housing in Older, Declining Areas” and referred to as Program #14.123 in the Catalog of Federal Domestic Assistance, this program helps in the purchase or rehabilitation of housing in older, declining urban areas. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

6) $570,000,000 for Local Communities to Fix Up Your House
Called “Community Development Block Grants, Section 108 Loan Guarantees” and referred to as Program #14.248 in the Catalog of Federal Domestic Assistance, this program provides communities with a source of financing for economic development, housing rehabilitation, public facilities, and large scale physical development projects. All projects and activities must either principally benefit low and moderate-income persons, aid in the elimination or prevention of slums and blight, or meet urgent needs of the community. Eligible Applicants include: metropolitan cities and urban counties, i.e., the principal beneficiaries are low and moderate income persons. To find organizations in your area who have this funding, contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

7) Get a $100,000 Home for $1 plus Fix Up Money
Called the “Dollar Home Sales” and referred to as Program #14.313 in the Catalog of Federal Domestic Assistance, this program expands HUD's partnership with local governments in helping to foster housing opportunities for low- to moderate-income families and address specific community needs. Single family homes that are acquired in foreclosure actions by the Federal Housing Administration (FHA) will be eligible for sale to local governments across the nation for $1 plus closing costs when the properties have been listed for at least six months and remain unsold. Local governments buying HUD properties for $1 plus closing costs may sell or rent them to low- and moderate-income families, to first-time homebuyers, or to groups that will use the properties to provide services such as child- care centers, domestic abuse shelters, job training centers, etc. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

8) $450,000 to Make an Apartment Building Assisted Living
Called the “Assisted Living Conversion For Eligible Multifamily Housing Projects” and referred to as Program #14.314 in the Catalog of Federal Domestic Assistance, this program provides financial assistance to private nonprofit owners of eligible developments designed for the elderly with a grant to allow the conversion of some or all of the dwelling units in the project into Assisted Living Facilities (ALF's) serving frail elderly, as defined in Section 232(B)(6) of the National Housing Act. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

9) Local Colleges Get Money to Fix Up Your Home
Called the “Historically Black Colleges and Universities Program” and referred to as Program #14.520 in the Catalog of Federal Domestic Assistance, this program assists Historically Black Colleges and Universities (HBCUs) expand their role and effectiveness in addressing community development needs in their localities, including neighborhood revitalization, housing, and economic development consistent with the purposes of Title I of the Housing and Community Development Act of 1974. The HBCU program also encourages greater citizen participation in the local/neighborhood planning process and, ultimately, in development of their localities' and States' Consolidated Plan for submission to HUD. Contact: Ophelia Wilson, Office of University Partnerships, Office of Policy Development and Research, Dept. of Housing and Urban Development, 451 7th Street, SW., Washington, DC 20410. Telephone: (202) 708-3061, extension 4390. FAX (202) 708-0309. E-mail OPHELIA_WILSON@hud.gov.

10) Money for Native Americans to Fix Up a Home
Called the “Indian Housing Block Grants” and referred to as Program #14.867 in the Catalog of Federal Domestic Assistance, this program provides Federal assistance for Indian tribes in a manner that recognizes the right of tribal self-governance, and for other purposes. Primarily low-income families and in limited cases, over-income families may be eligible. Contact: Office of Native American Programs, Denver Program Office, 1999 Broadway, Suite 3390, Denver, CO 80202. Telephone: (800)561-5913.

12) $150,000 to Help Veterans and Unmarried Spouses of Veterans to Buy or Fix Up a Home
Called “Veterans Housing – Guaranteed and Insured Loans” and referred to as Program #64.114 in the Catalog of Federal Domestic Assistance, this programs assists veterans, certain service personnel, and certain unmarried surviving spouses of veterans, in obtaining credit for the purchase, construction or improvement of homes on more liberal terms than are generally available to non-veterans. Contact your local Veterans Administration office at Department of Veterans Affairs, Washington, DC 20420, 202-273-7390, http://www.homeloans.va.gov/eligmap.htm.

13) $33,000 for Disabled Veterans to Fix Up a Home
Called the “Veterans Housing Direct Loans For Certain Disabled Veterans” and referred to as Program #64.118 in the Catalog of Federal Domestic Assistance, it provides veterans who are eligible for a Specially Adapted Housing grant with loan directly from the VA in certain circumstances. VA may make loans up to $33,000 to eligible applicants if (a) the veteran is eligible for a VA Specially Adapted Housing grant, and (b) a loan is necessary to supplement the grant, and (c) home loans from a private lender are not available in the area where the property involved is located.
Contact you local Veterans Administration office at Department of Veterans Affairs, Washington, DC 20420, 202-273-7390, http://www.homeloans.va.gov/eligmap.htm.

14) $1,000,000 to Purchase or Fix Up Rental Housing in Small Towns
Called the “Rural Rental Housing Loans Programs and referred to as Program #10.415 in the Catalog of Federal Domestic Assistance, it provides economically designed and constructed rental and cooperative housing and related facilities suited for rural residents. Loans can be used to construct, or to purchase and substantially rehabilitate rental or cooperative housing or to develop manufactured housing projects. Housing as a general rule will consist of multi-units with two or more family units and any appropriately related facilities. Funds may also be used to provide approved recreational and service facilities appropriate for use in connection with the housing and to buy and improve the land on which the buildings are to be located. Loans may not be made for nursing, special care, or institutional-type homes).Contact your local office of the U.S. Department of Agriculture Rural Housing Service at http://offices.usda.gov/scripts/ndISAPI.dll/oip_public/USA_map.

15) $27,500 in Grants and Loans to Fix Up Your Home
Called the “Very Low Income Housing Repair Loans and Grants Programs” and referred to as Program #10.417 in the Catalog of Federal Domestic Assistance it provides loans and grants to very low-income homeowners in rural areas to repair, improve, or modernize their dwellings or to remove health and safety hazards. Grant funds are only available to homeowners aged 62 or older who cannot repay a Section 504 Loan. This includes repairs or replacement of heating, plumbing or electrical services, roof or basic structure as well as water and waste disposal systems, and weatherization. Loans bear an interest rate of one percent and are repaid over a period up to 20 years. In addition to the above purpose, loan funds may be used to modernize the dwelling. Maximum loan amount cannot exceed a cumulative total of $20,000 to any eligible person and a maximum lifetime grant assistance is $7,500 to any eligible person Contact your local office of the U.S. Department of Agriculture Rural Housing Service at http://offices.usda.gov/scripts/ndISAPI.dll/oip_public/USA_map.

16) $15,000 Grant for Owners or Developers in Small Towns to Fix Up Their Home
Called the “Rural Housing Preservation Grants Program” and referred to as Program 10.433 in the Catalog of Federal Domestic Assistance, it provides money to very low- and low-income rural residents individual homeowners, rental property owners (single/multi-unit) or by providing the consumer cooperative housing projects (co-ops) the necessary assistance to repair or rehabilitate their dwellings. These objectives will be accomplished through the establishment of repair/rehabilitation, projects run by eligible applicants. This program is intended to make use of and leverage any other available housing programs which provide resources to very low and low-income rural residents to bring their dwellings up to development standards. Contact your local office of the U.S. Department of Agriculture Rural Housing Service at http://offices.usda.gov/scripts/ndISAPI.dll/oip_public/USA_map.

18) $2,000,000 to Build or Rehabilitate Condominiums, Program # 14.112
Called “Mortgage Insurance for Construction for Substantial Rehabilitation of Condominium Projects” and referred to as Program #14.112 in the Catalog of Federal Domestic Assistance, this program enables sponsors to develop condominium projects in which individual units will be sold to home buyers. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

19) $60,000 for Renters, Homeowners or Investors to Improve Their Property
Called ‘Property Improvement Loan Insurance for Improving All existing Structures and Building of New Nonresidential Structures Program” and referred to as Program #14.142 in the Catalog of Federal Domestic Assistance, this program provides financing of improvements to homes and other existing structures and the building of new nonresidential structures. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator.

20) $2,000,000 to Fix Up Multifamily Units
Called the “Supplemental Loan Insurance Multifamily Rental Housing Program” and referred to as Program #14.151 in the Catalog of Federal Domestic Assistance, it can be used to finance repairs, additions and improvements to multifamily projects, group practice facilities, hospitals, or nursing homes already insured by HUD or held by HUD. Major movable equipment for insured nursing homes, group practice facilities or hospitals may be covered by a mortgage under this program. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

21) $4,000,000 to Build or Fix Up Housing for Seniors
Called the “Supportive Housing for the Elderly Program” and referred to as Program #14.157 in the Catalog of Federal Domestic Assistance, it can be used to finance the construction or rehabilitation of a structure or portion thereof, or the acquisition of a structure to provide supportive housing for the elderly, which may include the cost of real property acquisition, site improvement, conversion, demolition, relocation and other expenses of supportive housing for the elderly. Project rental assistance is used to cover the difference between the HUD-approved operating cost per unit and the amount the tenant pays.Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

22) $1,000,000 to Build or Fix Up Housing for People with Disabilities
Called the “Supportive Housing for Persons with Disabilities Program” and referred to as Program #14.181 in the Catalog of Federal Domestic Assistance, this program provides for supportive housing for persons with disabilities. Capital advances may be used to construct, rehabilitate or acquire structures to be used as supportive housing for persons with disabilities. Project rental assistance is used to cover the difference between the HUD-approved operating costs of the project and the tenants' contributions toward rent (30 percent of adjusted income). To identify if there are programs in your area, contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/. If the local office does not know what you are talking about, contact the main office at: Office of Housing Assistants and Grants Administration, Department of Housing and Urban Development, Washington, DC 20410, 202-708-3000.

23) $3 Billion in Grants to Fix Up Homes in Cities
Called “Community Development Block Grants/Entitlement Grants” and referred to as Program #14.218 in the Catalog of Federal Domestic Assistance, this money can be used to develop viable urban communities, by providing decent housing and a suitable living environment, and by expanding economic opportunities, principally for persons of low and moderate income. To find organizations in your area who have received this funding, contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

24) $5 Million in Grants to Fix Up Homes in Small Towns
Called the “Community Development Block Grants/Small Cities Program” and referred to as Program #14.219 in the Catalog of Federal Domestic Assistance, this program’s primary objective is the development of viable urban communities by providing decent housing, a suitable living environment, and expanding economic opportunities, principally for persons of low and moderate income. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

25) $55,000 to Fix Up a Home for Native Americans
Called “Indian Housing Assistance” and referred to as Program #15.141 in the Catalog of Federal Domestic Assistance, this program is primarily devoted to providing decent, safe, and sanitary housing through renovations, repairs, or additions to existing homes. The program will build an entire house in situations where no other program can meet the need in the immediate or near future. Technical assistance is provided to Indian tribes to establish housing plans and determine the extent and use of the Bureau's Housing Improvement Program. The program is restricted to use within reservations and approved tribal service areas. Contact the Office of Tribal Services, Human Services, Bureau of Indian Affairs, MS 4660 MIB, 1849 C St., NW, Washington, DC 20240, 202-208-3667.

26) $48,000 Grant for Veterans to Adapt Their Home for a Disability
Called the “Specially Adapted Housing for Disabled Veterans Programs” and referred to as Program #64.106 in the Catalog of Federal Domestic Assistance, this program provides grants to certain severely disabled veterans acquire a home which is suitably adapted to meet the special needs of their disabilities. Contact your local Veterans Administration office at Department of Veterans Affairs, Washington, DC 20420, 202-273-7390, http://www.homeloans.va.gov/eligmap.htm.

28) Money to Build or Renovate Single Room Occupancy Units
Called “Mortgage Insurance for Single Room Occupancy Projects” and referred to as Program #14.184 in the Catalog of Federal Domestic Assistance, this program provides mortgage insurance for multifamily properties consisting of single-room units. There are no Federal rent subsidies involved with this SRO Program. It is aimed at those tenants who have a source of income but are priced out of the rental apartment market. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

29) Money to Buy or Fix Up Houses in The Pacific Islands or The Virgin Islands
Called the Community Development Block Grants/Special Purpose Grants/Insular Areas” and referred to as Program #14.255 in the Catalog of Federal Domestic Assistance, this program provides grants that can be used for housing and community development in the Pacific Islands of American Samoa, Guam, the Northern Mariana Islands, and the Virgin Islands in the Caribbean. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

30) Grants to Local Communities to Provide Money to Buy or Fix Up Homes or to Pay for Rent
Called the “Home Investment Partnership Program” and referred to as Program #14.239 in the Catalog of Federal Domestic Assistance, this program expands the supply of affordable housing, particularly rental housing, for low and very low income Americans; (2) to strengthen the abilities of State and local governments to design and implement strategies for achieving adequate supplies of decent, affordable housing; (3) to provide both financial and technical assistance to participating jurisdictions, including the development of model programs for developing affordable low income housing; and (4) to extend and strengthen partnerships among all levels of government and the private sector, including for-profit and nonprofit organizations, in the production and operation of affordable housing. To identify if there are programs in your area, contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

31) Grants to Native American Communities to Fix Up Homes
Called the “Indian Community Development Block Grant Program” and referred to ca Program #14.862 in the Catalog of Federal Domestic Assistance, this program provides grants to improve the housing stock, provide community facilities, make infrastructure improvements, and expand job opportunities by supporting the economic development of their communities. To identify if there are programs in your area, contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

32) Money to Rehabilitate a Trailer Home Park
Called “Mortgage Insurance- Manufactured Home Parks” and referred to as Program #14.127 in the Catalog of Federal Domestic Assistance, this program makes it possible to finance the rehabilitation of manufactured home parks. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

33) Money for Teens to Learn to Fix Up Houses
Called “Opportunities for Youth-Youth Build Program” and referred to ca Program #14.243 in the Catalog of Federal Domestic Assistance, this program provides funding assistance for a wide range of multi-disciplinary activities and services to assist economically disadvantaged youth. The opportunities are designed to help disadvantaged young adults who have dropped out of high school to obtain the education and employment skills necessary to achieve economic self-efficiency and develop leadership skills and a commitment to community development in low income communities. Another important objective of the Youth Build program is to expand the supply of permanent affordable housing for homeless persons and members of low income and very low income families. By giving disadvantaged young adults participating in the program meaningful on-site training experiences constructing or rehabilitating housing as a community service, they are helping to meet the housing needs of homeless and low income families in their community. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

34) $5,000 to Get Rid of Lead Paint in Your Home
Called the “Lead-based Paint Hazard Control in Privately-Owned Housing Program” and referred to as Program #14.900 in the Catalog of Federal Domestic Assistance, this program provides grants to identify and control lead-based paint hazards in privately- owned housing that is owned by or rented to low- or very-low income families. Specific objectives include: (1) building the capacity necessary to eliminate lead-based paint hazards in all housing; (2) preventing childhood lead poisoning; (3) involving cooperation among all levels of government, the private sector, faith-based organizations, and community-based organizations; (4) integrating comprehensive community approaches to address lead hazards in housing; (5) integration of lead- safe practices into other programs which will continue beyond the life of the grant; (6) establishment of a public registry of lead-safe housing; and (7) promoting job training, employment, and other economic lift opportunities for low-income residents of project neighborhoods. . Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.

35) $50,000 to Fix Up Your Home After a Natural Disaster
Called “Direct Housing-Natural Disaster Loans and Grants” and referred to as Program #10.444 in the Catalog of Federal Domestic Assistance, this program provides grants to assist very-low income owner- occupants to repair or replace damaged property as a direct result of a natural disaster. Loans are made in counties named by the Federal Management Agency as being eligible for Federal assistance under an emergency declaration by the President. Contact your local office of the U.S. Department of Agriculture Rural Housing Service at
http://offices.usda.gov/scripts/ndISAPI.dll/oip_public/USA_map.

37) $2,500 to Make Your Home Energy Efficient
Called the “Weatherization Assistance for Low-Income Persons Program” and referred to as Program #81.042 in the Catalog of Federal Domestic Assistance, this program provides grants to insulate the dwellings of low-income persons, particularly the elderly, persons with disabilities, families with children, high residential energy users, and households with a high energy burden, in order to conserve needed energy and to aid those persons least able to afford higher utility costs. To locate your local office, contact Director, Office of Building Technology Assistance, Mail Stop EE-42, Office of Energy Efficiency and Renewable Energy, Department of Energy, Forrestal Building, Washington, DC 20585, 202-586-4074, http://www.eren.doe.gov/buildings/weatherization_assistance.

38) Money to Fix Up Your Home After a Disaster
Called “Federal Housing Assistance to Individuals and Households” and referred to as Program #96.048 in the Catalog of Federal Domestic Assistance, this program provides grants to individuals and households affected by a disaster to enable them to address their disaster-related housing needs. The money can be used for the following: 1) Temporary Housing, 2) Repair, 3) Replacement, and 4) Permanent Housing Construction. Assistance not used for the specified purpose will be required to be returned. Contact Department of Homeland Security 245 Murray Drive, SW., Washington, DC 20528, 202- 282-8000, www.dhs.gov.

39) Money to Fix Up Apartment Buildings
Called “The Multifamily Assisted Housing Reform and Affordability Act” and referred to as Program #14.197 in the Catalog of Federal Domestic Assistance, it provides grants to retain critical affordable housing resources represented by the supply of FHA-insured Section 8 assisted housing and maintain it in good physical and financial condition while, at the same time, reducing the cost of the ongoing Federal subsidy. In carrying out the Program, HUD works with willing participating administrative entities (PAEs), owners and lenders to reduce Section 8 rents and operating expenses to true market levels and also provide for the project's capital improvement needs. Contact your local office of the U.S. Department of Housing and Urban Development at http://www5.hud.gov:63001/po/i/netlocator/.