HOME Program · CDBG · Innovation Fund · LIHTC

Workforce Housing
Financing & Grants

Find grants, financing programs, and tax credits for affordable and workforce housing. Check eligibility for FHA, HOME, CDBG, Innovation Fund, and LIHTC programs.

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Filter by Income Target

Programs vary by Area Median Income (AMI) threshold

Available Grant Programs

Federal programs aligned with the 21st Century Housing Act

Housing Innovation Fund

Sec 209
Up to $500K/project

$200M annual fund for missing-middle housing. Pattern book designs get bonus points.

ADUDuplexTriplexFourplexTownhouseModular

HOME Program

HOME Modernization
Varies by jurisdiction

Federal workforce housing subsidies for projects serving households at 80% AMI or below.

All residential types20%+ affordable units required

CDBG New Construction

CDBG Expansion
Varies by entitlement

New construction now eligible under CDBG. Must benefit 51%+ low-moderate income households.

All housing typesLMI benefit required

LIHTC Credits

4% & 9% Credits
$10B+ annual

Tax credits for affordable rental housing. 9% competitive, 4% with bonds.

5+ unit multifamilyIncome restrictions apply

Financing Programs

Federal loan programs for multifamily and workforce housing

ProgramUnitsMax LTVTermDescription
FHA 203(b)1-496.5%30 yrStandard FHA mortgage
FHA 221(d)(4)5+85%40 yrNew construction multifamily
FHA 223(f)5+85%35 yrRefinance / acquisition
Fannie/Freddie5+75%5-30 yrAgency multifamily lending
USDA RuralAll100%30-40 yrRural area housing

Check Your Project's Eligibility

Enter your project details and instantly see which federal programs you qualify for — FHA, HOME, CDBG, Innovation Fund, and LIHTC.

Check Eligibility Browse Pattern Book