Housing Resource Compendium

1

Federal Housing and Sheltering

Resource Timeline and Compendium

Purpose:

These graphics are intended as a resource for housing and emergency management agencies at the State, Local,

Tribal, and Territorial (SLTT) levels. Taken together, these graphics provide a visual overview of when federal programs

for housing and sheltering become available during the disaster lifecycle.

How to Use:

recovery stages. However, because it is rst made available during the response phase, it is listed in the

response section on the timeline.)

• Many of the programs listed in the steady state or mitigation columns can be used throughout the other phases.

• The program and department titles in graphics two, three, and four are hyperlinked to their compendium entry.

• The compendium is intended as a starting point to additional research on whether the program matches the SLTT

governments needs.

○ The compendium provides a description of program recipients, beneciaries and activities, as well as links to

additional information on the program.

○ The programs documented in the compendium are continually updated and users should refer to the programs

department responsible for administering the program for the latest guidance.

lifecycle: Steady State, Mitigation, Response, Short-Term Recovery, and Long-Term Recovery.

A note about the timeline: Across the nation, disasters are occurring more frequently, often impacting communities

still recovering from a previous disaster. For the ease of the reader, this timeline lays out the phases of disasters in a

linear format. However, disasters are cyclical, and the ve phases often overlap without clearly dened transitions.

Graphic Two: Overview of Federal Housing and Sheltering Programs

This graph breaks down the number of housing and sheltering programs across Federal agencies and the disaster

lifecycle phases.

Graphic Three: Timeline of Federal Housing and Sheltering by Organization

Shows a complete list of Federal housing and sheltering programs broken out by the department or agency that

administers it.

2

MITIGATION

RECOVERY

STEADY

STATE

3

Graphic Three: Timeline of Federal Housing and Sheltering by Organization

U.S. DEPARTMENT OF HOUSING AND

URBAN DEVELOPMENT (HUD)

Alaskan Native Villages 12

Community Development Block Grant (CDBG) - States and Small Cities 12

Comprehensive Housing Counseling Grant Program 13

Continuum of Care Program 14

Distressed Cities and Persistent Poverty Technical Assistance 15

Home Equity Conversion Mortgage 15

HOME Investments Partnerships 16

Homeless Emergency Solutions Grants (ESG) 16

Housing Choice Vouchers 17

Housing Opportunities for Persons with AIDS (HOPWA) Program 17

Pathways to Removing Obstacles to Housing (PRO Housing) 21

Public Housing Capital Fund 21

Rural Capacity Building for Community Development and Affordable

Housing Program 22

Section 108 Loan Guarantee Program 22

Section 184 Indian Home Loan Guarantee Program 23

Section 202 Supportive Housing for the Elderly 23

Section 203(B) - Purchase or Renance a Principle Residence

(Mortgage Insurance) 24

Section 221(d)(4) - New Construction or Substantial Rehabilitation 24

Veterans Supportive Housing (HUD-VASH) 28

Graphic Three: Timeline of Federal Housing and Sheltering by Organization

4

U.S. DEPARTMENT OF HOUSING AND

URBAN DEVELOPMENT (HUD) (CONTINUED)

HUD Capital Fund: Emergency/Natural Disaster Funding 30

Section 203(H) - Disaster Victims (Mortgage Insurance) 31

Section 203(K) - Rehabilitation (Mortgage Insurance) 31

Emergency Food and Shelter National Board Grant Program (EFSP) 32

National Flood Insurance Program 32

Shelter and Services Grant Program 33

Building Resilient Infrastructure and Communities (BRIC) Grant Program 33

FEMA Hazard Mitigation Acquisition Program 34

Flood Mitigation Assistance (FMA) Grant Program 34

Hazard Mitigation Grant Program (HMGP) 35

5

6

7

U.S. Department of Housing and Urban Development (HUD) Community Development Block Grant (CDBG) Entitlement

Communities

Community Development Block Grant (CDBG) - Insular Areas

(CDBG-IA)

Community Development Block Grant (CDBG) for Indian Tribes and

Alaskan Native Villages

Community Development Block Grant (CDBG) - States and Small

Cities

Comprehensive Housing Counseling Grant Program

Continuum of Care Program

Housing Trust Fund (HTF)

Housing Resource Compendium

8

U.S. Department of Housing and Urban Development (HUD)

continued

Indian Housing Block Grant (IHBG): Competitive Grant Program

Indian Housing Block Grant (IHBG): Formula Grant Program

Loss Mitigation Services for FHA Homeowners

Mortgage Insurance / Multifamily Housing (Section 241(a)

Older Adults Home Modication Grant Program (OAHMP)

Pathways to Removing Obstacles to Housing (PRO Housing)

Section 203(B) - Purchase or Renance a Principle Residence

(Mortgage Insurance)

Section 221(d)(4) - New Construction or Substantial Rehabilitation

Section 223(F) - Purchase or Renance of Existing Multifamily

Home

Section 232 Mortgage Insurance for Residential Care Facilities

Section 242 Mortgage Insurance for Hospitals

Section 811 Supportive Housing for Persons with Disabilities

Veterans Housing Rehabilitation and Modication Pilot Program

(VHRMP)

U.S. Economic Development Administration (EDA)

Economic Adjustment Assistance

Indigenous Communities (ARPA Program)

MITIGATION

Federal Emergency Management Agency (FEMA)

Building Resilient Infrastructure and Communities (BRIC) Grant

Program

FEMA Hazard Mitigation Acquisition Program

Flood Mitigation Assistance (FMA) Grant Program

Hazard Mitigation Grant Program (HMGP)

Housing Resource Compendium

9

General Services Administration Disaster Purchasing Program

Federal Emergency Management Agency (FEMA)

U.S. Department of Housing and Urban Development (HUD) Mortgage Payment Forbearance / Foreclosure Moratorium / FHA

U.S. Department of Veterans Affairs VA Home Loans

U.S. Department of Agriculture - Rural Development Farm Labor Housing Direct Loans and Grant Programs

Local agencies that help build, buy, or rehabilitate

affordable housing for rent or homeownership, or provide

direct rental assistance to low- and very-low income

households.

This grant may be used for tenant-based rental assistance,

housing rehabilitation, assistance to homebuyers,

acquisition, and new construction of affordable housing.

HUD Awards and Allocations (hudexchange.info)

HUD Grantee Contact Information (hudexchange.info)

Units of local government, nonprot organizations, public

housing agencies and local redevelopment authorities that

provide support for unhoused populations in emergency/

transitional shelters or assist people in quickly regaining

stability in permanent housing after experiencing a housing

Eligible activities include:

• Engaging homeless individuals and families living on the

street;

• Improving the number and quality of emergency shelters

for homeless individuals and families;

• Helping operate these shelters;

• Providing essential services to shelter residents;

• Rapid re-homing homeless individuals and families; and

• Preventing families and individuals from becoming

administrative activities.

Unspecied.

Reference: Emergency Solutions Grants Program | HUD.

gov / U.S. Department of Housing and Urban Development

(HUD)

HUD Grantee Contact Information (hudexchange.info)

HOUSING OPPORTUNITIES FOR

Grants for housing assistance and related supportive

services

States, local governments, and nonprot organizations

Local community resources for low-income persons living

with HIV/AIDS and their families.

services, program planning, development costs.

HOPWA funds also may be used for services including

(but not limited to) assessment and case management,

substance abuse treatment, mental health treatment,

nutritional services, job training and placement assistance,

and assistance with daily living.

The annual HOPWA appropriation is divided between the

two programs – 90% for formula program grants and 10%

for competitive program grants.

Opportunity Through Modernization Act.

applications, with priority given to the renewal of expiring

permanent supportive housing project grants. Then,

awards typically go to Special Projects of National

Signicance (SPNS) to target assistance to underserved

populations, or New Long-Term Projects, which provide

housing and services for eligible persons in areas not

qualifying for HOPWA Formula Program Allocations

Reference: HOPWA Eligibility Requirements - HUD Exchange

Building, preserving, rehabilitating, and operating rental

each grant), reasonable administrative and planning costs.

FHA mortgage insurance for HUD-approved lenders.

HUD-approved lenders

Owners of a multifamily project or facility already subject to

a mortgage insured or held by HUD.

requirements.)

Steady State

Qualied beneciaries such as a state, unit of local

government, or Native American Tribe that increase

Implementing low-cost, high-impact home modications,

such as installing grab bars, railings, adaptive equipment

like temporary ramps and tub/shower transfer benches.

These repairs and renovations allow allows this vulnerable

population to “age in place”.

Fiscal yearly funding varies year-to-year. In 2022 there was

approximately $15 million allocated to this grant program.

Reference: FY 2023 Older Adult Home Modication Grant

Program | HUD.gov / U.S. Department of Housing and

Grant

State, county and city governments, metropolitan planning

Communities actively taking steps to remove barriers to

affordable housing.

Support for communities actively taking steps to remove

• Barriers caused by outdated zoning, land use policies, or

• Inefcient procedures;

• Gaps in available resources for development;

• Deteriorating or inadequate infrastructure;

• Lack of neighborhood amenities; or

• Challenges to preserving existing housing stock such as

2022) (Appropriations Act), which appropriates $85 million

Reference: Pathways to Removing Obstacles to Housing

(PRO Housing) | HUD.gov / U.S. Department of Housing

and Urban Development (HUD)

Public Housing Agencies who own/operate low-income

Makes improvements that benet public housing residents

who are predominantly families and elderly people with

incomes under 50% of the HUD-adjusted AMI.

Fiscal year funding varies year-to-year. FY 2023 awarded a

total of $3,161,849,406 allocated across a range of public

housing authorities.

Grant

Primary grantees use the funding over a four-year period to

provide technical support and nancial assistance to rural

community development organizations, local governments,

$6 million in RCB funds for FY 2023 (P.L. 117-328,

Housing and Urban Development, and Related Agencies

through FY 2022.

Development and Affordable Housing (RCB) Program

(congress.gov)

All projects and activities must principally benet low-

and moderate-income persons, aid in the elimination or

prevention of slums and blight, or meet urgent needs of

the community.

Activities eligible under Section 108 include:

• Housing rehabilitation eligible under CDBG;

facilities (including street, sidewalk, and other site

improvements);

• Loan to for-prot businesses for economic development

• Payment of interest on the guaranteed loan and

issuance costs of public offerings;

• Debt service reserves;

• Finance fees;

• Public works and site improvements in colonias; and

construction.

Loan volume varies year-to-year.

Borrowers must be American Indian/Alaska Native families,

Alaska villages, tribes, or tribally-designated housing

entities.

rate loans for 30 years or less. Maximum loan limits vary.

Section 184 loans can be used, both on and off tribal trust

lands, for new construction, rehabilitation, purchase of an

Reference: Section 184 Indian Home Loan Guarantee

Private non-prot organizations that build supportive

housing for very low-income elderly persons aged 62 and

older.

housing for the elderly.

between the HUD-approved operating cost for the project

and the tenants’ contribution towards rent.

Fiscal year funding varies from year-to-year. In FY2023,

$110 million was allocated for Section 202 Capital

Advance grants.

Reference: Section 202 Supportive Housing For The Elderly

Program (hud.gov)

Section 202 Supportive Housing For The Elderly Program

Mortgage insurance to purchase or renance

Borrowers that own 1-4 unit structures and use it as their

residence.

company, bank, savings and loan association and the

mortgage is insured by HUD.

FHA-insured loan volume varies year-to-year.

Steady State

Insurance

The program is used by nonprot organizations,

limited-distribution entities, prot-motivated rms,

mortgages. The program encourages construction or

substantial rehabilitation of single-room apartment

buildings with nancing insured by HUD, thus enabling

people with very limited incomes to nd clean and safe

housing. Section 221(d)(4) program insures mortgage

loans for multifamily properties consisting of single-room

occupancy (SRO) apartments. There are no Federal rental

Unspecied.

Reference: HUD Mortgage Insurance For Single Room

Occupancy Projects (SRO): Section 221(D)(4) (hud.gov)

For-prot and non-prot borrowers

Properties that have at least ve residential units (w/

complete kitchens, baths, completed/substantially

rehabbed for at least three years prior to date of

and permits more favorable interest rates.

Unspecied.

Reference: Mortgage Insurance For Purchase Or

Renancing Of Existing Multifamily Rental Housing:

Sections 207/223(F) (hud.gov)

Steady State

Residential care facilities with mortgage loans.

Finance the purchase, renance, new construction, or

rehabilitation of a project; a combination of these uses is

Supplemental Grant

Communities with individuals, families, and households

who are experiencing, or at risk of experiencing, hunger

and/or homelessness may be eligible beneciaries.

Eligible activities with this funding include provisions

Fiscal year funding varies year-to-year.

Individuals are eligible beneciaries if they are part of

a community required to adopt and enforce oodplain

management regulations that will help mitigate ooding

effects. Flood insurance is available to anyone living in

while homes and businesses in high-risk ood areas with

mortgages from government-backed lenders are required

damage or loss of buildings and/or contents due to a ood.

The NFIP is funded from (1) premiums, fees, and

appropriations for ood-hazard mapping and risk analysis;

the NFIP’s obligations (e.g., insurance claims); and (4)

Non-citizen migrants who have been encountered by the

Department of Homeland Security and released from

custody while awaiting the outcome of their immigration

proceedings.

outcome of their immigration proceedings. The intent is

citizen migrants from short-term holding facilities.

Total funding available for scal year 2023:

Tranche 2: $77.3 million

Total: $363.8 million

Residential or business properties located in a state that

received a Presidential Disaster Declaration; the state and

community must have an approved hazard mitigation plan.

Communities must develop a scope of work, a work

activities help a community to build back better, safer,

hazards.

scope of work, and number of community applications.

Reference: FEMA Hazard Mitigation Acquisition Program

(97.039) (fema.gov)

NFIP-insured homes, businesses, and municipalities.

assistance in developing/facilitating viable projects &

community ood mitigation projects.

Reference: Flood Mitigation Assistance Grant Program

(fema.gov)

States, local, tribal, and territorial governments are eligible

beneciaries.

and helping to break the cycle of disaster damage,

the COVID-19 global pandemic.

Reference: Hazard Mitigation Grant Program (HMGP)

(fema.gov)

at least 20 units, consists of predominately low- and

tornado-appropriate safety and construction standards, be

large enough to accommodate all members of the park/

neighborhood, and be located in a park/neighborhood that

Fiscal year funding varies year-to-year. Funding comes from

A facility (must be a building, public works system,

equipment, or improved and maintained natural feature).

Public Assistance provides grant funding to reimburse

also reimburse repair or restoration of Public and Indian

capital repair (e.g., Puerto Rico) as Permanent Work (to

water control facilities, public buildings/equipment, public

Response

Displaced disaster survivors. There is no individual

application process required for survivors.

FEMA Mass Care and Emergency Assistance deploys

equipment, materials, supplies, and personnel to support

coordinates support to survivors sheltering in place, people

with disabilities and others with access and functional

needs, dietary restrictions, household pets, and service

animals, and in some instances, may be requested to

assist with routine sheltering activities in support of

survivors at medical shelters.

Funded through the Disaster Relief Fund.

Reference: Emergency Support Function #6 – Mass Care,

Emergency Assistance, Temporary Housing, and Human

Displaced disaster survivors taking refuge in emergency

sheltering locations are eligible as beneciaries.

sheltering assistance for displaced disaster survivors

taking refuge in emergency shelter locations other than

their pre-disaster primary residence. FEMA may provide

government. This is based on the documented need

approve TSA for not less than 30 days and up to 180 days

funds from the Disaster Relief Fund.

Individuals and families with disaster-caused unmet needs

Partnership between a case manager and disaster survivor

survivors.

funds.

Individuals and households that don’t have ood insurance

(particularly those who did not have previous requirements

to maintain ood insurance) and have experienced ood

damage resulting from a Presidentially declared major

disaster.

in a Special Flood Hazard Area, yet the property owner

insurance on their damaged property.

declaration; individual coverage begins 30 days following

tribal government agency.

individuals, households, and SLTT governments to support

Financial assistance, sheltering services/support, disaster

eligible activities.

Reference: Individual Assistance Resource Library (fema.

HOUSING UNITS (TTHU) / DIRECT

LEASE

Short-Term Recovery

Lease or housing provision

Eligible beneciaries must live in communities damaged

lack of available housing resources will make it impossible

into lease agreements with owners of multi-family rental

eligible applicants.

fabricated dwelling (i.e., a Recreation Vehicle or a

housing for a limited period of time.

for use as temporary housing.

Funding is provided through the Disaster Relief Fund (DRF).

Reference: Individuals and Households Program (fema.gov)

under-insured necessary expenses and serious needs

Eligible US citizens, non-citizen nationals, or qualied

non-citizens with insurance (or other forms of disaster

assistance) received that does not meet their disaster

reimburse hotel, motel, or other short-term lodging while

displaced from disaster-damaged primary residence.

Home Repair Assistance: provides funds to repair owner-

occupied, disaster-damaged primary residence, utilities,

and/or structure, including privately-owned access routes

to a safe, sanitary living space.

Replacement Assistance: provides funds to help

homeowners replace owner-occupied primary residence

when destroyed by a disaster.

Serious Needs Assistance: provides funds for such

homes as a result of a major disaster and have short-term

lodging needs addressed through hotels, motels, friends

and family, or other available options. Displacement

Assistance is a one-time, lump-sum award amount.

Funding is provided through the Disaster Relief Fund (DRF).

Reference: Individuals and Households Program (fema.gov)

Individuals and households whose primary residence

was damaged by a disaster may receive funding if lack

of available housing resources makes rental assistance

Funding is provided through the Disaster Relief Fund (DRF).

such as disaster-related home repair and rebuilding,

services that alleviate human suffering and promote the

Rural areas including cities, villages, townships, towns

including federally recognized tribal lands with no more

than 20,000 residents (based on US Census Data).

Purchase, construct, and/or improve essential community

health care facilities, public facilities like town halls,

re departments, police stations, educational services like

museums, libraries, private schools, utility services like

Steady State

Low- and very-low-income applicants in eligible rural areas

can apply (the amount of assistance is determined by the

Funds can be used to help low-income individuals/

households purchase homes in rural areas. Funding can

also be used to build, repair, renovate, or relocate a home,

or purchase/prepare a site (includes providing water/

sewage facilities).

Fiscal funding varies year-to-year. The budget for FY 2020

and FY 2021 was $1 billion, but in FY 2022, the budget

was increased to $1.5 billion.

Reference: Rural Home Loans (Direct Program) Factsheet