Prompt 2: “List 100 government programs and incentives for home improvement and affordable housing development

Here is a comprehensive list of 100 government programs and incentives for home improvement and affordable housing development across various levels of government (federal, state, and local) in the United States:

Federal Programs and Incentives for Home Improvement and Affordable Housing Development

1. Low-Income Housing Tax Credit (LIHTC): Federal tax credits to encourage the development of affordable rental housing.
2. Section 8 Housing Choice Voucher Program: Provides rental assistance for low-income renters to afford decent housing.
3. HOME Investment Partnerships Program: Provides federal grants to state and local governments to create affordable housing for low-income individuals.
4. Community Development Block Grant (CDBG): Provides funding to local governments to support community development projects, including affordable housing.
5. FHA 203(k) Rehabilitation Mortgage Insurance: Allows homeowners to finance both the purchase and renovation of a home in one loan.
6. Section 504 Home Repair Program: Offers low-interest loans or grants to very low-income homeowners for home repairs and improvements.
7. Energy Efficiency and Conservation Block Grant Program (EECBG): Provides funding to local governments for energy efficiency improvements, including those in housing.
8. Weatherization Assistance Program (WAP): Offers energy efficiency upgrades to low-income households to reduce energy costs.
9. Housing Trust Fund (HTF): A federal program that provides grants to develop, rehabilitate, and operate rental housing for extremely low-income households.
10. Federal Housing Administration (FHA) Loans: Provides mortgage insurance to encourage affordable home ownership and home improvement.
11. Section 811 Supportive Housing for Persons with Disabilities Program: Provides funding to nonprofit developers for the creation of rental housing for low-income individuals with disabilities.
12. Section 202 Supportive Housing for the Elderly Program: Provides grants to nonprofit organizations for the construction of rental housing for elderly low-income persons.
13. U.S. Department of Agriculture (USDA) Rural Development Home Repair Loans and Grants: Provides financial assistance for home repairs in rural areas.
14. Federal Home Loan Bank Affordable Housing Program: Offers competitive grants to support affordable housing initiatives.
15. Tax-Exempt Multifamily Housing Bonds: Provides tax-exempt financing for affordable multifamily housing construction or rehabilitation.
16. Federal Housing Finance Agency (FHFA) Housing Goals: Sets annual goals for affordable housing production through the Federal Home Loan Banks.
17. Veterans Affairs (VA) Home Loan Program: Provides home loans and refinancing options to veterans with favorable terms, including home improvement financing.
18. Homelessness Prevention and Rapid Rehousing Program (HPRP): Offers funding to prevent homelessness and assist homeless individuals in securing stable housing.
19. Indian Housing Block Grant (IHBG): Provides funds to American Indian and Alaska Native tribes to support affordable housing and community development.
20. New Markets Tax Credit Program (NMTC): Encourages investment in low-income communities by offering tax credits to investors in affordable housing and other projects.
21. National Housing Trust Fund (NHTF): Provides funding to build, rehabilitate, and operate rental housing for extremely low-income households.
22. Section 8 Project-Based Rental Assistance: Provides funding to maintain and develop affordable rental housing for low-income individuals.
23. Emergency Solutions Grant (ESG) Program: Provides funding for homeless prevention, rapid re-housing, and emergency shelter services.
24. Community Reinvestment Act (CRA): Encourages financial institutions to provide loans, investments, and services that support affordable housing and community development.
25. Property Assessed Clean Energy (PACE) Program: Allows property owners to finance energy-efficient home improvements through property tax assessments.
26. Affordable Housing Program (AHP): Provides funding to support affordable housing initiatives through the Federal Home Loan Bank System.
27. U.S. Department of Energy’s Solar Energy Technologies Office: Offers funding for solar projects that promote energy efficiency in affordable housing.
28. HUD Homeownership Voucher Program: Provides vouchers to low-income individuals and families to help them buy homes.
29. Section 108 Loan Guarantee Program: Allows local governments to borrow funds to invest in community development, including affordable housing.
30. Housing and Urban Development (HUD) Grants for Home Improvement: A variety of grants to improve housing conditions for low-income families.
31. National Renewable Energy Laboratory (NREL) Programs: Funds and supports energy efficiency improvements, including in affordable housing.
32. FHA Title I Property Improvement Loan Program: Provides loans for home repairs and improvements.
33. Affordable Housing Development Incentives: Incentives through the HUD to stimulate affordable housing production and preservation.
34. Rural Rental Housing Loans (Section 515): Provides loans to developers to construct or improve rental housing in rural areas.
35. HUD Neighborhood Stabilization Program (NSP): Provides funding to local governments to stabilize neighborhoods affected by foreclosures.
36. HUD Supportive Housing for Persons with Disabilities: Provides grants for housing development for individuals with disabilities.
37. FHA Section 251 Adjustable Rate Mortgages: Provides support for homeowners with adjustable-rate mortgages for home repairs.
38. Disaster Housing Assistance Program: Provides temporary housing assistance in the aftermath of natural disasters.

State Programs and Incentives

39. California Affordable Housing and Sustainable Communities Program: Provides grants for projects that integrate affordable housing with transportation and sustainable communities.
40. New York State Energy Research and Development Authority (NYSERDA): Provides incentives for energy efficiency improvements in homes, including for low-income households.
41. Florida Housing Finance Corporation (FHFC): Offers funding and tax credits for affordable housing development.
42. Illinois Housing Development Authority (IHDA): Offers grants and loans for affordable housing projects in Illinois.
43. Texas Department of Housing and Community Affairs (TDHCA): Provides affordable housing development grants, loans, and tax credits.
44. Oregon Housing and Community Services (OHCS): Funds affordable housing development and rehabilitation in Oregon.
45. Massachusetts Affordable Housing Trust Fund (AHTF): Provides funding to support affordable housing in Massachusetts.
46. Michigan State Housing Development Authority (MSHDA): Offers financing and incentives for affordable housing projects.
47. Pennsylvania Housing Finance Agency (PHFA): Offers loans, grants, and tax credits for affordable housing in Pennsylvania.
48. Washington State Housing Finance Commission: Supports affordable housing development through financing programs.
49. Ohio Housing Finance Agency (OHFA): Offers tax credits and financing for affordable housing initiatives in Ohio.
50. Hawaii Housing Finance and Development Corporation: Provides low-interest loans and grants for affordable housing development.
51. Arizona Department of Housing: Provides funding for affordable housing development and rehabilitation.
52. Minnesota Housing Finance Agency: Provides loans and tax credits for affordable housing development.
53. Nevada Housing Division: Supports affordable housing development through loans and grants.
54. Colorado Housing and Finance Authority (CHFA): Provides financing options for affordable housing development.
55. North Carolina Housing Finance Agency: Offers various affordable housing incentives and financing options.
56. Georgia Department of Community Affairs: Supports affordable housing projects and home improvement programs.
57. South Carolina State Housing Finance and Development Authority: Offers financing and grants for affordable housing development.
58. Virginia Housing Development Authority (VHDA): Offers programs to support affordable housing initiatives in Virginia.
59. Tennessee Housing Development Agency (THDA): Provides financing and grants for affordable housing development in Tennessee.
60. South Dakota Housing Development Authority: Provides home improvement financing and affordable housing development support.
61. Alabama Housing Finance Authority (AHFA): Offers affordable housing loans and tax credits for developers and homeowners.
62. Kentucky Housing Corporation (KHC): Provides financing options for affordable housing and home improvements in Kentucky.
63. Connecticut Housing Finance Authority (CHFA): Offers programs to assist with affordable housing development and home repairs.
64. Maryland Department of Housing and Community Development (DHCD): Provides grants and loans to support affordable housing development.
65. Maine State Housing Authority (MHSHA): Provides financing and support for affordable housing and home improvement projects.
66. Idaho Housing and Finance Association: Offers home improvement loans and affordable housing development financing.
67. North Dakota Housing Finance Agency (NDHFA): Provides loans and grants for affordable housing initiatives.
68. Utah Housing Corporation (UHC): Supports affordable housing development through loans and financing programs.
69. Montana Department of Commerce: Provides funding for affordable housing development and rehabilitation.
70. Rhode Island Housing: Offers tax credits and grants for affordable housing projects.
71. Wyoming Community Development Authority (WCDA): Provides affordable housing funding and home repair financing.
72. Delaware State Housing Authority (DSHA): Provides home improvement financing and affordable housing support.
73. New Jersey Housing and Mortgage Finance Agency: Provides tax credits and affordable housing financing.
74. Missouri Housing Development Commission (MHDC): Offers financing options for affordable housing projects in Missouri.
75. Nebraska Investment Finance Authority (NIFA): Supports affordable housing and home repair initiatives in Nebraska.

Local Programs and Incentives

76. Los Angeles Housing + Community Investment Department: Offers home improvement loans and affordable housing support in Los Angeles.
77. Chicago Housing Authority: Provides funding for affordable housing development and home repairs in Chicago.
78. San Francisco Housing Authority: Offers grants and low-interest loans for home repairs and affordable housing development.
79. Philadelphia Housing Development Corporation (PHDC): Provides affordable housing financing and home improvement assistance in Philadelphia.
80. New York City Department of Housing Preservation and Development (HPD): Offers home improvement loans, grants, and affordable housing development programs.
81. Boston Housing Authority: Provides home repair financing and affordable housing grants in Boston.
82. Seattle Office of Housing: Offers funding and financing for affordable housing projects in Seattle.
83. San Diego Housing Commission: Provides loans, grants, and financing for affordable housing in San Diego.
84. Portland Housing Bureau: Provides funding for affordable housing development and home improvement projects.
85. Cleveland Housing Network: Offers affordable housing financing and home improvement loans in Cleveland.
86. Indianapolis Housing Agency: Provides affordable housing grants and home repair loans for low-income households.
87. Miami-Dade County Housing Finance Authority: Supports affordable housing development and home repairs in Miami.
88. Baltimore Housing Authority: Offers grants and low-interest loans for affordable housing and home repairs.
89. Kansas City Housing Authority: Provides funding for affordable housing and home repair initiatives.
90. Detroit Housing & Revitalization Department: Supports affordable housing and neighborhood revitalization efforts in Detroit.
91. Minneapolis Housing and Redevelopment Authority: Offers affordable housing loans and funding for home improvements in Minneapolis.
92. Austin Housing and Planning Department: Provides affordable housing and home repair programs in Austin.
93. Washington D.C. Department of Housing and Community Development: Offers affordable housing financing and support for home repairs.
94. Phoenix Housing Department: Provides funding for affordable housing and home repairs in Phoenix.
95. Las Vegas Housing Authority: Supports affordable housing development and home repairs in Las Vegas.
96. Denver Housing Authority: Provides funding for affordable housing projects and home repairs in Denver.
97. Los Angeles Department of Public Works: Offers energy efficiency grants for home improvements in Los Angeles.
98. Charlotte-Mecklenburg Housing Partnership: Offers affordable housing financing and home repair support in Charlotte.
99. Tampa Housing Authority: Provides affordable housing funding and home improvement assistance in Tampa.
100. Boulder Housing Partners: Offers home improvement loans and affordable housing support in Boulder.

These programs and incentives are designed to support the development, preservation, and rehabilitation of affordable housing across the United States. Each program has its own eligibility requirements, funding criteria, and scope of impact.