Opportunity Information: Apply for FR 6900 N 33
Apply for FR 6900 N 33
- The Department of Housing and Urban Development in the housing sector is offering a public funding opportunity titled "Comprehensive Housing Counseling (CHC) and the Housing Counseling Training (HCT) NOFO (FY2025)" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 14.169, 14.316.
- This funding opportunity was created on 2026-03-26.
- Applicants must submit their applications by 2026-05-26. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- Each selected applicant is eligible to receive up to $3,000,000.00 in funding.
- The number of recipients for this funding is limited to 175 candidate(s).
- Eligible applicants include: State governments, Nonprofits having a 501 (c) (3) status with the IRS, other than institutions of higher education, Others.
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Opportunity Summary:
The Comprehensive Housing Counseling (CHC) and Housing Counseling Training (HCT) NOFO (FY2025) is a discretionary grant opportunity from the U.S. Department of Housing and Urban Development (HUD) designed to strengthen housing stability for renters and homeowners by funding HUD-approved counseling services and the training infrastructure that supports those services. The program’s core aim is to help individuals and families obtain housing, keep housing, and navigate common housing and financial challenges through reliable, standardized counseling. HUD positions housing counseling agencies as a practical frontline resource for households facing issues like budgeting and debt, understanding mortgage or lease obligations, avoiding foreclosure or eviction risks, and maintaining safe, sustainable housing over time. The NOFO also recognizes counseling agencies as a protective layer against housing scams and discrimination, while serving as a referral gateway to local, state, federal, and private housing assistance programs and community resources.
This funding opportunity includes two primary award tracks. The CHC component focuses on direct housing counseling capacity and service delivery, supporting HUD-approved housing counseling agencies that provide advice and counseling to tenants and homeowners on property maintenance, financial management and literacy, and other relevant topics tied to responsible tenancy and homeownership. The HCT component focuses on building the field’s professional capacity by funding organizations that provide training services to housing counselors nationwide, ensuring that counselors working within HUD’s Housing Counseling Program can access consistent, high-quality training and professional development.
Eligibility rules differ depending on the award track. For CHC awards, applicants must already be approved to participate in HUD’s Housing Counseling Program before the NOFO issue date, meaning the grant is not intended to bring brand-new agencies into the HUD system but rather to strengthen those already recognized and operating under HUD standards. In addition to HUD-approved counseling agencies, State Housing Finance Agencies (SHFAs) can be eligible under this NOFO when they have statutory authority to provide housing counseling across their entire state and agree to follow HUD program requirements, including those in 24 CFR Part 214, HUD Handbook 7610.1, and any other governing policies or requirements HUD applies to the program. For HCT awards, eligible applicants must be nonprofit organizations (specifically, nonprofits other than institutions of higher education) with at least two years of experience providing housing counseling training services on a nationwide basis to housing counselors employed by HUD-participating housing counseling agencies. In other words, the HCT track is aimed at established national training providers with a demonstrated track record, not local training efforts or newer organizations still building experience.
The NOFO also includes important restrictions intended to prevent overlapping awards and duplicative funding. Applicants and subgrantees are prohibited from receiving FY 2025 Housing Counseling Program grant funding from multiple sources at the same time. A key example HUD provides is that an organization cannot receive funding under this NOFO both as a direct grantee (such as a local housing counseling agency) and also as a subgrantee through an Intermediary or SHFA. Similarly, an organization cannot receive subgrants from two different Intermediaries or SHFAs under this NOFO. These limitations matter for agencies that operate in networks or coalitions, because they require applicants to choose a single funding path and avoid stacking awards across overlapping channels.
Related to that, the NOFO sets rules about affiliations for subgrantees. Subgrantees must maintain the same network affiliation for all awards under this NOFO. HUD’s example clarifies that if a subgrantee receives a subgrant from an Intermediary, SHFA, or MSO for the FY 2025 Comprehensive Housing Counseling NOFO, it cannot receive a subgrant from a different Intermediary, SHFA, or MSO for the FY 2025 MSI Initiative. HUD notes that exceptions may be approved on a case-by-case basis, but the default expectation is consistency in network relationships to keep oversight, accountability, and funding flows clear.
There is also a specific additional eligibility requirement tied to the CHC MSI Initiative Award: applicants who want to compete for that MSI-focused award must also submit an application for the Comprehensive Housing Counseling NOFO. This effectively makes the CHC application a prerequisite for that initiative, ensuring that MSI-related requests are grounded in the broader comprehensive counseling framework and that applicants are participating in the main CHC competition as part of their overall proposal strategy.
Several applicant types are explicitly ineligible. Individuals, foreign entities, and sole proprietorship organizations cannot compete for or receive awards under this announcement. The published eligibility categories for this opportunity include state governments and nonprofits with 501(c)(3) status (other than institutions of higher education), along with other eligible entities as defined by HUD for specific tracks (for example, SHFAs for CHC and qualifying national training nonprofits for HCT). The opportunity is listed under CFDA numbers 14.169 and 14.316 and is categorized under housing, reflecting its focus on housing stability and related consumer support services.
From an administrative and planning standpoint, the NOFO is identified as Funding Opportunity Number FR 6900 N 33, with an original closing date of 2026-05-26. HUD indicates an award ceiling of $3,000,000 and anticipates making around 175 awards, suggesting a relatively large national competition with multiple funded recipients rather than a small number of large awards. Overall, the opportunity is structured to reinforce HUD’s national housing counseling system by funding both front-end client counseling capacity (CHC) and back-end workforce development and training capacity (HCT), while using strict anti-duplication and affiliation rules to keep funding transparent and prevent double-dipping across networks.
FAQs: Comprehensive Housing Counseling (CHC) and Housing Counseling Training (HCT) NOFO (FY2025)
1) What is this funding opportunity?
The Comprehensive Housing Counseling (CHC) and Housing Counseling Training (HCT) NOFO (FY2025) is a discretionary grant opportunity from the U.S. Department of Housing and Urban Development (HUD). It is designed to strengthen housing stability for renters and homeowners by funding (1) HUD-approved housing counseling services and (2) the training infrastructure that supports those services.
2) What is the main goal of the CHC and HCT NOFO?
The core aim is to help individuals and families obtain housing, keep housing, and work through common housing and financial challenges by promoting reliable, standardized housing counseling. HUD frames housing counseling agencies as a frontline resource for issues like budgeting and debt, understanding mortgage or lease obligations, avoiding foreclosure or eviction risks, and maintaining safe, sustainable housing over time.
3) What kinds of problems is HUD housing counseling meant to address?
Based on the NOFO description, counseling may help households with budgeting and debt, understanding mortgage or lease obligations, reducing foreclosure or eviction risk, and supporting long-term housing sustainability. The NOFO also highlights counseling as a protective layer against housing scams and discrimination and as a referral gateway to local, state, federal, private housing assistance programs, and other community resources.
4) What are the two primary award tracks in this NOFO?
This opportunity includes two primary award tracks:
- CHC (Comprehensive Housing Counseling): Focused on direct housing counseling capacity and service delivery.
- HCT (Housing Counseling Training): Focused on strengthening the training and professional development infrastructure for housing counselors nationwide.
5) What does the CHC component fund?
The CHC component supports direct housing counseling capacity and service delivery by HUD-approved housing counseling agencies. It supports counseling services for tenants and homeowners on topics such as property maintenance, financial management and literacy, and other topics tied to responsible tenancy and homeownership.
6) What does the HCT component fund?
The HCT component funds organizations that provide training services to housing counselors nationwide. The goal is to ensure counselors working within HUD's Housing Counseling Program can access consistent, high-quality training and professional development.
7) Who is eligible to apply for CHC awards?
For CHC awards, applicants must already be approved to participate in HUD's Housing Counseling Program before the NOFO issue date. In addition, State Housing Finance Agencies (SHFAs) may be eligible when they have statutory authority to provide housing counseling across their entire state and agree to follow HUD program requirements (including 24 CFR Part 214, HUD Handbook 7610.1, and other HUD policies/requirements applicable to the program).
8) Can a brand-new housing counseling agency apply for CHC funding?
Not under the eligibility rule described in the NOFO summary provided. CHC applicants must already be HUD-approved to participate in HUD's Housing Counseling Program before the NOFO issue date, so the CHC funding is positioned to strengthen existing HUD-recognized agencies rather than bring new agencies into the HUD system.
9) Are State Housing Finance Agencies (SHFAs) eligible under this NOFO?
Yes, SHFAs can be eligible under the CHC track when they have statutory authority to provide housing counseling across their entire state and agree to comply with HUD program requirements, including 24 CFR Part 214, HUD Handbook 7610.1, and any other governing policies or requirements HUD applies to the program.
10) Who is eligible to apply for HCT awards?
For HCT awards, eligible applicants must be nonprofit organizations (nonprofits other than institutions of higher education) with at least two years of experience providing housing counseling training services on a nationwide basis to housing counselors employed by HUD-participating housing counseling agencies.
11) Does HCT funding support local or new training providers?
The eligibility requirement described indicates HCT is aimed at established national training providers. Applicants must have at least two years of nationwide experience delivering housing counseling training services to housing counselors employed by HUD-participating agencies.
12) Are institutions of higher education eligible to apply under the nonprofit category for HCT?
The NOFO summary provided specifies that eligible HCT applicants are nonprofits other than institutions of higher education. That indicates institutions of higher education are excluded from that nonprofit eligibility category for HCT.
13) Are individuals eligible to apply?
No. Individuals are explicitly listed as ineligible under this announcement.
14) Are foreign entities eligible to apply?
No. Foreign entities are explicitly listed as ineligible under this announcement.
15) Are sole proprietorships eligible to apply?
No. Sole proprietorship organizations are explicitly listed as ineligible under this announcement.
16) What eligibility categories are mentioned for this opportunity?
The published eligibility categories described include state governments and nonprofits with 501(c)(3) status (other than institutions of higher education), along with other eligible entities as defined by HUD for specific tracks (for example, SHFAs for CHC and qualifying national training nonprofits for HCT).
17) What rules prevent overlapping or duplicative FY2025 Housing Counseling Program funding?
The NOFO includes restrictions that prohibit applicants and subgrantees from receiving FY 2025 Housing Counseling Program grant funding from multiple sources at the same time. HUD's example states an organization cannot receive funding under this NOFO both as a direct grantee and as a subgrantee through an Intermediary or SHFA. It also states an organization cannot receive subgrants from two different Intermediaries or SHFAs under this NOFO.
18) Can an organization be both a direct grantee and a subgrantee under this NOFO?
No. The NOFO summary states organizations are prohibited from receiving FY 2025 Housing Counseling Program grant funding from multiple sources at the same time, including being funded as both a direct grantee and a subgrantee through an Intermediary or SHFA.
19) Can an organization receive subgrants from more than one Intermediary or SHFA?
No. The NOFO summary indicates an organization cannot receive subgrants from two different Intermediaries or SHFAs under this NOFO.
20) What affiliation rules apply to subgrantees?
The NOFO states that subgrantees must maintain the same network affiliation for all awards under this NOFO. HUD's example explains that if a subgrantee receives a subgrant from an Intermediary, SHFA, or MSO for the FY 2025 Comprehensive Housing Counseling NOFO, it cannot receive a subgrant from a different Intermediary, SHFA, or MSO for the FY 2025 MSI Initiative.
21) Are exceptions to the network affiliation rule possible?
Yes. The NOFO summary notes exceptions may be approved on a case-by-case basis, but the default expectation is consistent network relationships to keep oversight, accountability, and funding flows clear.
22) What is the CHC MSI Initiative Award prerequisite mentioned in the NOFO?
The NOFO includes an additional eligibility requirement tied to the CHC MSI Initiative Award: applicants who want to compete for the MSI-focused award must also submit an application for the Comprehensive Housing Counseling NOFO. In other words, submitting a CHC application is described as a prerequisite for the MSI initiative competition.
23) What is the Funding Opportunity Number for this NOFO?
The NOFO is identified as Funding Opportunity Number FR 6900 N 33.
24) What is the closing date for this opportunity?
The NOFO summary provided lists an original closing date of 2026-05-26.
25) What is the maximum (ceiling) award amount mentioned?
HUD indicates an award ceiling of $3,000,000.
26) How many awards does HUD anticipate making?
HUD anticipates making around 175 awards, suggesting a national competition with multiple funded recipients.
27) What CFDA numbers are associated with this opportunity?
The opportunity is listed under CFDA numbers 14.169 and 14.316.
28) What is the general topic/category of this funding opportunity?
The opportunity is categorized under housing, reflecting its focus on housing stability and related consumer support services.
29) How does HUD describe the role of housing counseling agencies in this NOFO?
HUD positions housing counseling agencies as practical frontline resources that help households navigate housing and financial challenges. The NOFO also emphasizes their role in helping protect consumers from scams and discrimination and connecting clients to other assistance programs and community resources.
30) How do CHC and HCT work together in HUD's overall approach?
The structure described supports both sides of the system: CHC strengthens front-end client counseling capacity and service delivery, while HCT strengthens back-end workforce development by supporting high-quality training and professional development for housing counselors nationwide. The NOFO also uses anti-duplication and affiliation rules to keep funding transparent and prevent overlapping awards across networks.
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