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Financial Assistance Programs for Housing

Compiled on 5/31/12 as a resource for the GICH communities. Listed by funder. All information is directly from the programs' official web pages.

Department of Community Affairs

CDBG Annual Competition

The Community Development Block Grant Program (CDBG) provides funding to assist a wide range of eligible activities, including housing improvement projects, public facilities such as water and sewer lines, buildings such as local health centers or head start centers, and economic development projects. All projects must substantially benefit low and moderate income persons.


Community HOME Investment Program

The Community HOME Investment Program (CHIP) uses a portion of DCA's HOME funds to assist local governments, nonprofit organizations and public housing authorities to address the needs of affordable housing development in their communities. CHIP funds may be used to provide down payment assistance or homeowner rehabilitation funding to eligible low- and low-moderate income households.


Emergency Solutions (formerly “Shelter”) Grants Program

The Emergency Solutions Grant Program provides funds to nonprofit organizations and local governments for services to homeless persons and persons in danger of becoming homeless. Funds must be used for outreach, shelter, services, homelessness prevention, or rapid re-housing.


Georgia Dream Homeownership Program

The Georgia Dream Homeownership Program makes purchasing a home more affordable for low-to-moderate income families and individuals by offering fixed, low-interest rate mortgages loans.


HomeSafe Georgia

The Georgia Department of Community Affairs has partnered with GHFA Affordable Housing, Inc. to deliver a statewide unemployment mortgage payment assistance program to prevent foreclosures, under the name HomeSafe Georgia. HomeSafe Georgia will help by providing "bridge" mortgage assistance to many Georgians who are unemployed or have seen a dramatic decrease in their income due to national economic conditions.


Housing Opportunities for Persons with AIDS Program

The Housing Opportunities for Persons with AIDS (HOPWA) Program provides housing and supportive services to low-income persons living with HIV/AIDS. Funds may be used for rental assistance, housing operating subsidies, and housing development activities, including acquisition, new construction, and/or rehabilitation. Supportive services eligible for HOPWA funding include case management, health and mental health services, nutritional assistance, day care, and personal assistance.


Low-income Housing Tax Credit Program

The Housing Tax Credit Program allocates federal and state tax credits to owners of qualified rental properties who reserve all or a portion of their units for occupancy for low income tenants.


Shelter Plus Care Program

The Shelter Plus Care (S+C) Program provides affordable permanent housing with supportive services for individuals experiencing homelessness and their eligible family members. Generally, the persons served by this program have disabilities associated with serious mental illness, addiction disorders, and/or HIV/AIDS. Eligible applicants (grantees) are limited to states, unit of local government, and public housing authorities (PHA’s). Local projects are implemented through partnerships that include (1) a grantee, (2) a local housing “Sponsor” or (subgrantee) that owns or coordinates leasing of housing for program participants, and (3) a network of supportive service providers.


USDA Rural Development

Rural Housing 502 DirectLoans

Rural Housing Direct Loans are loans that are directly funded by the Government. These loans are available for low- and very low-income households to obtain homeownership. Applicants may obtain 100% financing to purchase an existing dwelling, purchase a site and construct a dwelling, or purchase newly constructed dwellings located in rural areas. Mortgage payments are based on the household's adjusted income. These loans are commonly referred to as Section 502 Direct Loans.


Rural Housing 502 Loan Guarantees

Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.


504 Home Repair Loans and Grants

The purpose of the 504 loan and grant program is to provide loan and grant funds to be used to pay for needed repairs and improvements to dwellings of eligible very low income families. Grant funds must be used to remove health and safety hazards.


Self-Help Housing Loans

The Section 502 Mutual Self-Help Housing Loan program is used primarily to help very low- and low-income households construct their own homes. The program is targeted to families who are unable to buy clean, safe housing through conventional methods. Families participating in a mutual self-help project perform approximately 65 percent of the construction labor on each other's homes under qualified supervision. The savings from the reduction in labor costs allows otherwise ineligible families to own their homes.


Section 515, Rural Rental Housing Loans

Rural Rental Housing Loans are direct, competitive mortgage loans made to provide affordable multifamily rental housing for very low-, low-, and moderate-income families; the elderly; and persons with disabilities. This is primarily a direct mortgage program, but its funds may also be used to buy and improve land and to provide necessary facilities such as water and waste disposal systems.


Section 533, Housing Preservation Grants

This program provides grants to repair and rehabilitate individual and multi-family occupied dwellings by very low and low income households.


Federal Home Loan Bank

Affordable Housing Program

The AHP Competitive Program is a flexible source of funding designed to help our member financial institutions and their community partners develop affordable owner-occupied and rental housing for very low- to moderate-income families and individuals.


Home Depot Foundation

Community Impact Grants Program

Grants, up to $5,000, are available to registered 501(c)(3) nonprofit organizations, public schools or tax-exempt public service agencies in the U.S. that are using the power of volunteers to improve the physical health of their community. Grants are given in the form of The Home Depot gift cards for the purchase of tools, materials, or services.


Housing Assistance Council

Self-Help Homeownership Opportunity Program (SHOP)

HAC provides loan funds through the HUD Self-Help Homeownership Opportunity Program (SHOP) to self-help housing providers for land acquisition and infrastructure improvement for the development of self-help units. The homebuyer family must contribute a significant amount of sweat-equity towards the construction of the dwelling. Loan funds are made available through a competitive application process and cannot exceed $15,000 per lot. SHOP loans are at 0% interest. Up to 90% of the SHOP loan may be forgiven when the borrower has satisfied the conditions of the loan agreement. The forgivable portion may become a grant for the group to establish its own revolving loan fund for future site acquisition and development of self-help housing or to provide direct subsidies to participating homebuyer families. SHOP funds are subject to HUD Environmental Review regulations.


U.S. Department of Housing and Urban Development

Section 202

HUD provides capital advances to finance the construction, rehabilitation or acquisition with or without rehabilitation of structures that will serve as supportive housing for very low-income elderly persons, including the frail elderly, and provides rent subsidies for the projects to help make them affordable.


Section 811

The Section 811 program allows persons with disabilities to live as independently as possible in the community by subsidizing rental housing opportunities which provide access to appropriate supportive services.


Community Foundations in Georgia

There are a number of community foundations in Georgia, offering various grants to projects that benefit their region. Several of these grant progams are listed below.

Community Foundation of Central Georgia

Community Grant Program

The Community Foundation of Central Georgia aims to further the ability of community-based charitable organizations to meet the needs of the residents of this region. Through its Community Grant Program, CFCG will consider applications for projects designed to improve the quality of life in central Georgia.


North Georgia Community Foundation

Community Impact Grants

The North Georgia Community Foundation believes in the importance of strengthening local non-profits and that a vibrant community is one with strong non-profits doing great work to address the community's most pressing needs. Through our Community Impact Grant Program, the Community Foundation will consider applications for projects designed to improve the quality of life in the north Georgia region.


The Community Foundation of Northwest Georgia

Community Grants

The Community Foundation supports a wide variety of projects. We award grants to qualified, tax-exempt nonprofit organizations for work directly benefiting residents of our affiliate communities or the Northwest Georgia region. We favor applicants who show the greatest promise of leveraging additional support from the community and/or projects that meet specific community needs and benefit a broad segment of the local population.


Community Foundation for Northeast Georgia


The Community Foundation for Northeast Georgia believes philanthropy can play an important role in improving the quality of life and in helping to build an inclusive, caring and vibrant community. Through gifts our donors make that are unrestricted or targeted to a specific field of interest, we are able to fund a variety of community initiatives each year that are helping us help you in making a difference.


The Community Foundation of West Georgia

Community Impact Grants

The Community Foundation is a public charity, providing local citizens a credible, professional, perpetual means of giving back to the community. Put simply, the foundation is a collection of funds, both designated and unrestricted. The funds provide resources to support charitable activities in the West Georgia area.


Communities of Coastal Georgia Foundation

Community Impact Grants

Currently the Communities of Coastal Georgia Foundation has identified two major areas of focus: Capacity Building and Education/Literacy. We support programs for education/literacy as well as equipment purchases, staff/board development, strategic planning, and technology upgrades, among others.


The Community Foundation for the Central Savannah River Area

Unrestricted Grants

The Community Foundation is a non-profit community fund. It is a creative, cost-effective and tax-efficient way for people to invest in their community. The Community Foundation’s resources come from gifts made by individuals, companies, foundations, and charitable organizations. These gifts are used to create charitable Funds, which provide resources for grant making and help make a positive difference in the community.


Georgia Environmental Finance Authority

Weatherization Assistance Program

The Weatherization Assistance Program (WAP) reduces energy costs, provides energy efficiency education, and addresses health and safety concerns. Household energy use reductions and the resulting energy cost savings are significant, with average savings in excess of 20 percent.


The Salvation Army

Project Share

SHARE provides emergency bill-payment assistance to individuals and families facing a temporary crisis that threatens their home. SHARE attempts to target the most urgent need, whether it is a utility bill, a part of a rent payment or an emergency prescription.


Local Electric Membership Corporations

Operation Round Up

Each month, thousands of Georgia’s local EMC consumers generously round up their electric bills to the next highest dollar amount to provide help to local charities and service organizations. From this “extra change,” EMCs have distributed millions of dollars throughout the state since the Operation Round Up program began in 1989. To apply for a grant, start by finding your local EMC using the link below.


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