Opportunity Information: Apply for FR 5600 N 25
Apply for FR 5600 N 25
- The Department of Housing and Urban Development in the community development housing sector is offering a public funding opportunity titled "Housing Counseling Program" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 14.169 Housing Counseling Assistance Program.
- This funding opportunity was created on Nov 30, 2011 and posted on Dec 1, 2011.
- Applicants must submit their applications by Jan 12, 2012. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- The number of recipients for this funding is limited to 40,050,000 candidate(s).
- Eligible applicants include: Others (see text field entitled Additional Information on Eligibility for clarification).
- Eligible applicants for Comprehensive Counseling grants include HUD approved Local Housing Counseling Agencies (LHCAs) HUD approved national and regional intermediaries (Intermediaries) State Housing Finance Agencies (SHFAs) and HUD approved Multi State Organizations (MSOs). Grantees and sub grantees that were previously awarded HUD MMMSA counseling funds for FY 2012 are also eligible for FY 2012 funding through this NOFA covering the same period of performance.
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Opportunity Summary:
The Housing Counseling Program is a discretionary grant opportunity from the U.S. Department of Housing and Urban Development (HUD) designed to strengthen and expand housing counseling services nationwide. The program funds organizations that provide practical, one-on-one or group counseling and education to people at different stages of housing need, including first-time and repeat homebuyers, current homeowners, low- to moderate-income renters, and individuals and families experiencing homelessness. Its core goals are to improve financial literacy, widen sustainable homeownership opportunities, increase access to affordable housing, and help people keep their homes when they face financial hardship.
A major focus of the program is helping clients make informed housing decisions and successfully manage the responsibilities that come with renting or owning a home. Housing counselors supported through this funding help households understand budgeting, credit, and financial management as they relate to securing and maintaining stable housing. For renters, the counseling can include guidance on finding and keeping affordable housing, understanding lease terms, and meeting tenancy obligations. For homebuyers and homeowners, counselors can cover topics such as preparing for purchase, avoiding risky loan products, and maintaining a home over time.
The program also places strong emphasis on foreclosure prevention and home retention. Counselors may work with homeowners who are delinquent or at risk of delinquency to prevent default and foreclosure, with the main objective of preserving homeownership. This can include reviewing a borrower’s financial situation, explaining available options, and assisting with steps related to loan modification or refinancing. The counseling is also meant to protect consumers from harmful lending and servicing practices by helping borrowers identify inflated appraisals, excessively high interest rates, unaffordable repayment terms, and other conditions that can strip equity, increase debt burden, and lead to foreclosure. In addition, counselors can assist homeowners who have concerns about mortgage scams, including helping them understand warning signs and supporting reporting of potential scam victimization.
Another eligible service area under this program is reverse mortgage counseling for senior homeowners. Funded applicants may provide counseling to older adults who are considering using a reverse mortgage to convert home equity into income. The counseling is intended to help seniors understand how reverse mortgages work, the benefits and risks, and how proceeds might be used for needs like home improvements, medical costs, living expenses, or other household expenses.
Funding under this opportunity is distributed across four applicant categories, reflecting the different roles organizations play in delivering housing counseling at local, state, regional, and multi-state levels. The amounts listed are: Local Housing Counseling Agencies (LHCAs) at $10,250,000; Intermediaries at $25,800,000; State Housing Finance Agencies (SHFAs) at $2,800,000; and Multi-State Organizations (MSOs) at $1,200,000. The total anticipated funding shown is $40,050,000, and the program anticipates making awards within this overall funding level. The assistance is provided as a grant, and there is no cost-sharing or matching requirement.
Eligibility is limited to HUD-approved counseling entities within the comprehensive counseling framework. Eligible applicants include HUD-approved Local Housing Counseling Agencies, HUD-approved national and regional Intermediaries, State Housing Finance Agencies, and HUD-approved Multi-State Organizations. The notice also indicates that grantees and subgrantees that previously received HUD MMMSA counseling funds for FY 2012 remain eligible for FY 2012 funding through the same Notice of Funding Availability (NOFA) period of performance.
For reference and administrative details, the opportunity is identified as Funding Opportunity Number FR 5600 N 25 and is associated with CFDA 14.169 (Housing Counseling Assistance Program). The posting date listed is December 1, 2011, with an application closing date of January 12, 2012, and an archive date of January 19, 2012. Applicants were directed to access the application package and instructions using the CFDA number, and program contacts varied by applicant type, with local agencies, MSOs, and SHFAs typically routed through the appropriate HUD Homeownership Center (HOC), while intermediaries were directed to HUD Headquarters’ Program Support Division.
Housing Counseling Program (HUD) - FAQs
What is the Housing Counseling Program?
The Housing Counseling Program is a discretionary grant opportunity from the U.S. Department of Housing and Urban Development (HUD) intended to strengthen and expand housing counseling services nationwide.
What is the main purpose of this funding?
The program supports organizations that deliver housing counseling and education so people can make informed housing decisions and better manage the responsibilities of renting or owning a home. Core goals include improving financial literacy, expanding sustainable homeownership opportunities, increasing access to affordable housing, and helping people keep their homes during financial hardship.
Who does the program serve?
The funded counseling and education may serve people at different stages of housing need, including first-time and repeat homebuyers, current homeowners, low- to moderate-income renters, and individuals and families experiencing homelessness.
What types of counseling and education are supported?
The opportunity supports practical counseling and education delivered either one-on-one or in group settings. Services can address renting, buying, homeownership sustainability, financial management tied to housing stability, foreclosure prevention, home retention, and reverse mortgage counseling for seniors.
Does the program support one-on-one counseling, group sessions, or both?
Both. The program funds organizations that provide practical, one-on-one counseling as well as group counseling and education.
What financial topics can housing counselors help with under this program?
Housing counselors supported through this funding may help households understand budgeting, credit, and financial management as they relate to securing and maintaining stable housing.
What counseling help is available for renters?
For renters, counseling may include guidance on finding and keeping affordable housing, understanding lease terms, and meeting tenancy obligations.
What counseling help is available for homebuyers and homeowners?
For homebuyers and homeowners, counseling may cover preparing for purchase, avoiding risky loan products, and maintaining a home over time.
Is foreclosure prevention and home retention included?
Yes. A major emphasis of the program is foreclosure prevention and home retention, with the objective of preserving homeownership for homeowners who are delinquent or at risk of delinquency.
What kinds of foreclosure-prevention support can counselors provide?
Counselors may review a borrower’s financial situation, explain available options, and assist with steps related to loan modification or refinancing as part of efforts to prevent default and foreclosure.
How does the program help protect consumers from harmful lending or servicing practices?
The counseling is intended to help borrowers identify conditions that can strip equity, increase debt burden, and lead to foreclosure. Examples mentioned include inflated appraisals, excessively high interest rates, and unaffordable repayment terms.
Does the program address mortgage scams?
Yes. Counselors can assist homeowners who have concerns about mortgage scams by helping them understand warning signs and supporting reporting of potential scam victimization.
Is reverse mortgage counseling eligible under this opportunity?
Yes. Reverse mortgage counseling for senior homeowners is described as an eligible service area under the program.
What is the purpose of reverse mortgage counseling under this program?
The counseling is intended to help older adults understand how reverse mortgages work, the benefits and risks, and how proceeds might be used for needs such as home improvements, medical costs, living expenses, or other household expenses.
What type of funding is provided?
The assistance is provided as a grant.
Is there a cost-sharing or matching requirement?
No. The opportunity states there is no cost-sharing or matching requirement.
How is funding distributed across applicant categories?
Funding is distributed across four categories based on organizational role: Local Housing Counseling Agencies (LHCAs), Intermediaries, State Housing Finance Agencies (SHFAs), and Multi-State Organizations (MSOs).
What are the funding amounts by applicant category?
- Local Housing Counseling Agencies (LHCAs): $10,250,000
- Intermediaries: $25,800,000
- State Housing Finance Agencies (SHFAs): $2,800,000
- Multi-State Organizations (MSOs): $1,200,000
What is the total anticipated funding?
The total anticipated funding shown is $40,050,000, and the program anticipates making awards within this overall funding level.
Who is eligible to apply?
Eligibility is limited to HUD-approved counseling entities within HUD’s comprehensive counseling framework. Eligible applicants include HUD-approved Local Housing Counseling Agencies, HUD-approved national and regional Intermediaries, State Housing Finance Agencies, and HUD-approved Multi-State Organizations.
Are there any special eligibility notes regarding prior HUD MMMSA counseling funds?
Yes. The notice indicates that grantees and subgrantees that previously received HUD MMMSA counseling funds for FY 2012 remain eligible for FY 2012 funding through the same Notice of Funding Availability (NOFA) period of performance.
What is the Funding Opportunity Number for this grant?
The Funding Opportunity Number is FR 5600 N 25.
What CFDA number is associated with this program?
The opportunity is associated with CFDA 14.169 (Housing Counseling Assistance Program).
When was the opportunity posted?
The posting date listed is December 1, 2011.
What is the application closing date?
The application closing date listed is January 12, 2012.
When was the opportunity archived?
The archive date listed is January 19, 2012.
How were applicants instructed to access the application package and instructions?
Applicants were directed to access the application package and instructions using the CFDA number.
Who should applicants contact with questions?
Program contacts varied by applicant type. Local agencies, Multi-State Organizations (MSOs), and State Housing Finance Agencies (SHFAs) were typically routed through the appropriate HUD Homeownership Center (HOC), while Intermediaries were directed to HUD Headquarters’ Program Support Division.
Does this opportunity focus only on homeownership?
No. The program includes counseling and education for renters and people experiencing homelessness in addition to homebuyers and homeowners.
What outcomes is the program designed to support?
Outcomes emphasized include improved financial literacy, greater access to affordable housing, more sustainable homeownership opportunities, and stronger support for households trying to avoid foreclosure and remain in their homes.
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| Resident Opportunity and Self Sufficiency Service Coordinators Program Apply for FR 5700 N 07 Funding Number: FR 5700 N 07 Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: Case Dependent |
| Comprehensive Housing Counseling Program Apply for FR 5700 N 14 Funding Number: FR 5700 N 14 Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: Case Dependent |
| Housing Counseling Training Apply for FR 5700 N 22 Funding Number: FR 5700 N 22 Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: Case Dependent |
| HOPE VI Main Street Grant Program Apply for FR 5700 N 23 Funding Number: FR 5700 N 23 Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: $500,000 |
| Choice Neighborhoods Implementation Grant Program Apply for FR 5700 N 25 Funding Number: FR 5700 N 25 Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: $30,000,000 |
| Energy Innovation Fund PowerSaver Pilot 203(k) Program Apply for FR 5700 N 30 Funding Number: FR 5700 N 30 Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: $2,500,000 |
| Fiscal Year 2013 and Fiscal Year 2014 Continuum of Care Program Competition Apply for FR 5700 N 31B Funding Number: FR 5700 N 31B Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: Case Dependent |
| Rural Housing Preservation Grants Apply for USDA RD HCFP HPG 2015 Funding Number: USDA RD HCFP HPG 2015 Agency: Utilities Programs Category: Community Development Housing Funding Amount: $50,000 |
| HOPE VI Revitalization Grant Apply for FR 5198 N 01 Funding Number: FR 5198 N 01 Agency: Department of Housing and Urban Development Category: Community Development Housing Funding Amount: $20,000,000 |
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