PROGRAMS OF HUD

Major Mortgage, Grant, Assistance, and Regulatory Programs

the Department of Housing and Urban Development has expanded homeownership, increased access to affordable housing, strengthened communities through economic development, fought housing discrimination, and tackled chronic homelessness. HUD has implemented innovative solutions to address our nation’s housing needs and has achieved great results.
Despite its many accomplishments, HUD recognizes that challenges remain to be addressed. Despite achieving the highest homeownership rate in American history, minorities are still less likely than non-Hispanic whites to own their homes. Opening doors to homeownership is a core aspect of HUD’s mission. The most significant barriers to homeownership are downpayment and closing costs. To overcome this barrier, HUD’s American Dream Downpayment Initiative (ADDI) provides low- and moderate-income individuals with funds needed to purchase their first home. In this respect, since its inception in Fiscal Year 2004, ADDI has already helped thousands of Americans, nearly half of whom were minority families.
While increasing homeownership is a top priority, HUD knows it is not a viable option for everyone. Therefore, providing decent affordable rental housing is a central part of HUD’s mission. HUD’s largest program, the Housing Choice Voucher program, promotes affordable rental housing for families and individuals. The program currently provides rental assistance to more than four million households through public and assisted housing programs.
The mission of HUD also includes strengthening communities. The Community Development Block Grant (CDBG) program is HUD’s most important community development program and it is one of the most flexible programs provided to localities by the federal government. A significant portion of CDBG funds supports improving conditions in lower income and distressed communities.
Programs of HUD describes the major mortgage, grant, other assistance, and regulatory programs of the Department. It is through these programs that HUD works to fulfill its mission of increasing homeownership opportunities, promoting access to decent affordable housing, strengthening communities through economic development, ensuring equal opportunity in housing and promoting participation of faith-based and community organizations.
Programs of HUD is designed to be an informative resource for HUD’s congressional partners, participants in HUD programs, and interested members of the public.


Community Planning and Development
6 Community Development Block Grants (CDBG) (Entitlement)
8 Community Development Block Grants (Non-Entitlement) for States and Small Cities
10 Community Development Block Grants (Section 108 Loan Guarantee)
11 Community Development Block Grants (Disaster Recovery Assistance)
13 Community Development Block Grants (Section 107)
15Community Development Block Grants (CDBG) for Insular Areas
16 The HOME Program: HOME Investment Partnerships
18 Shelter Plus Care (S+C)
19 Emergency Shelter Grants (ESG) Program
20 Surplus Property for Use to Assist the Homeless (Title V)
21 Supportive Housing Program
22 Section 8 Moderate Rehabilitation Single Room Occupancy (SRO) Program
23 Brownfields Economic Development Initiative (BEDI)
24 Economic Development Initiative ("Competitive EDI") Grants
25 Renewal Communities
26 Empowerment Zones
28 Youthbuild
29 Rural Housing and Economic Development Program
30 Self-Help Homeownership Opportunity Program (SHOP)
31 Capacity Building for Community Development and Affordable Housing
32 Housing Opportunities for Persons With AIDS (HOPWA)
34 Loan Guarantee Recovery Fund for Church Arson and Other Acts of Terrorism(Section 4)
Housing/Federal Housing Administration (FHA)
35Secretary’s Regulation of Fannie Mae and Freddie Mac
Single Family Housing Programs
37 One- to Four-Family Home Mortgage Insurance (Section 203(b))
38 Mortgage Insurance for Disaster Victims (Section 203(h))
39 Rehabilitation Loan Insurance (Section 203(k))
40 Single Family Property Disposition Program (204(g))
41 Loss Mitigation
42 Mortgage Insurance for Older, Declining Areas (Section 223(e))
43 Mortgage Insurance for Condominium Units (Section 234(c))
44 Graduated Payment Mortgage (GPM) (Section 245(a))
45 Adjustable Rate Mortgages (ARMs) (Section 251)
46 Home Equity Conversion Mortgage (HECM) Program (Section 255)
47 Manufactured Homes Loan Insurance (Title I)
48 Property Improvement Loan Insurance (Title 1)

49 Counseling for Homebuyers, Homeowners, and Tenants (Section 106)
50 Good Neighbor Next Door
51 Energy Efficient Mortgage Insurance
52 Insured Mortgages on Hawaiian Home Lands (Section 247)
53 Insured Mortgages on Indian Land (Section 248)
Regulatory Affairs and Manufactured Housing
54 Real Estate Settlement Procedures Act (RESPA)
55 Manufactured Home Construction and Safety Standards
56 Interstate Land Sales
Multifamily Housing Programs
57 Supportive Housing for the Elderly (Section 202)
58 Assisted-Living Conversion Program (ALCP)
59 Emergency Capital Repairs Program
60 Multifamily Housing Service Coordinators
61 Manufactured Home Parks (Section 207)
62 Cooperative Housing (Section 213)
63 Mortgage and Major Home Improvement Loan Insurance for Urban Renewal
Areas (Section 220)
64 Multifamily Rental Housing for Moderate-Income Families
(Section 221(d)(3) and (4))
65 Existing Multifamily Rental Housing (Section 207/223(f))
66 Mortgage Insurance for Housing for the Elderly (Section 231)
67 New Construction or Substantial Rehabilitation of Nursing Homes, Intermediate
Care Facilities, Board and Care Homes, and Assisted-Living Facilities
(Section 232); Purchase or Refinancing of Existing Facilities (Sections 232/223(f))
68 Supplemental Loans for Multifamily Projects (Section 241)
69 Hospitals (Section 242)
70 Supportive Housing for Persons with Disabilities (Section 811)
71 Multifamily Mortgage Risk-Sharing Program (Sections 542(b) and 542(c))
72 Mark-to-Market Program
73 Self-Help Housing Property Disposition
74 Renewal of Section 8 Project-Based Rental Assistance
Public and Indian Housing
75 Housing Choice Voucher Program
78 Homeownership Voucher Assistance
79 Project-Based Voucher Program
80 Public Housing Operating Fund
81 Public Housing Capital Fund
82 Public Housing Neighborhood Networks (NN) Program

83 Revitalization of Severely Distressed Public Housing (HOPE VI)
84 Public Housing Homeownership (Section 32)
85 Resident Opportunity and Self-Sufficiency (ROSS) Program
86 Family Self-Sufficiency Program
87 Indian Community Development Block Grant (ICDBG) Program
88 Indian Housing Block Grant (IHBG) Program
89 Federal Guarantees for Financing for Tribal Housing Activities (Title VI)
90 Loan Guarantees for Indian Housing (Section 184)
91 Native Hawaiian Housing Block Grant (NHHBG) Program
92 Loan Guarantees for Native Hawaiian Housing (Section 184A)
Fair Housing and Equal Opportunity
93 Fair Housing (Title VIII)
96 Fair Housing Assistance Program (FHAP) (State and Local Agencies Program)
97 Certification of Substantially Equivalent Agencies
98 Fair Housing Initiatives Program (FHIP)
99 Equal Opportunity in HUD-Assisted Programs (Title VI, Section 504, Americans
with Disabilities Act, Section 109, Age Discrimination Act, and Title IX)
101 Section 3 Program
102 Voluntary Compliance
Policy Development and Research
103 Policy Development and Research Initiatives
104 American Housing Survey
105 Partnership for Advancing Technologies in Housing Initiative (PATH)
Government National Mortgage Association (Ginnie Mae)
106 Ginnie Mae I Mortgage-Backed Securities
108 Ginnie Mae II Mortgage-Backed Securities
109 Ginnie Mae Multiclass Securities Program
111 Ginnie Mae Platinum Securities Program
Healthy Homes and Lead Hazard Control
112 Healthy Homes and Lead Hazard Control

114Office of Federal Housing Enterprise Oversight
115 U.S.Interagency Council on Homelessness