Tag Archive for: capacity building

Rural Recap – Expertise

David’s Line: HAC’s 2025 Annual Report is Now Live

Hello and welcome to another edition of Rural Recap. I am pleased to announce the release of HAC’s 2025 annual report. The theme for this year’s edition is “HAC Expertise.” As you read through the stories we highlight from the past year, my hope is that you recognize both the importance of having strong, capable experts on staff, and the know how we bring from 55 years of working in small towns and rural places.

Whether it is preserving affordable rental housing properties around the country, analyzing the latest policy proposals in D.C., producing cutting edge research for a small community, or assembling the nation’s industry leaders for our biennial housing conference, HAC’s wide-ranging expertise makes it possible. Our experts are among the best in the business. They bring an array of skills and experience to focus on the future of rural communities. And bonus, they bring an energy to the work that is a joy to be around.

I invite you to read our annual report and see for yourself. The year 2025 posed a lot of questions about housing affordability in America, and 2026 is no different. HAC has what it takes to help address those questions head-on. The work continues, and I thank you for being here for it.

HACtivities

National Community Reinvestment Coalition’s Just Economy Conference

The National Community Reinvestment Coalition’s 2026 Just Economy Conference was held from April 14-15 in Washington, DC. HAC Board Chair Dr. Karama Neal and HAC Research Associate Meagan Mitchell Davis spoke on a panel entitled, “Heirs’ Property: Collaboration, Innovations, and Investments for Generational Wealth Preservation.” The discussion focused on research that suggests heirs’ property and title issues have contributed to land and property loss, particularly for Black and Indigenous households, and in low-income communities. The session also addressed successful solutions and further proposed innovations to shore up property inheritance processes for communities currently facing heirs’ property challenges. Learn more about Heirs’ Property issues at HAC’s new Heirs’ Property Central website.

Opportunity Zones

The IRS recently released guidance for governors to nominate places for designation as Opportunity Zones. HAC, in conjunction with Partners for Rural Transformation and Hope Enterprise, Inc. developed a guide of recommendations to help states make their Opportunity Zone designations in a way that will drive investments into rural communities facing persistent poverty. In addition to the guide, the partnering organizations also recorded a webinar for state policymakers, regional development hubs, and local non-profits to review these recommendations. You can access the guide of recommendations here, and watch the full webinar here.

Recaps

  • In the rural town of Bowling Green, Florida, affordable rental housing is both scarce and critically important to the stability of the community. So when it looked like the Azalea Apartments in Bowling Green faced an uncertain future, Florida Non-Profit Housing, Inc. (FNPH) reached out to HAC to help them preserve the property. Read the full Azalea Apartment success story on HAC’s website.
  • HAC proudly presents our 2025 Loan Fund Impact Report. In fiscal year 2025 (October 2024-September 2025), our Loan Fund provided $20.8 million in financing through 45 loans to build, rehabilitate, or preserve 1,253 affordable homes across 24 states and territories. That total includes 579 preserved rental homes, 224 new construction rental homes, and 450 for-sale homes. Read the full report here.
  • The House Appropriations Committee released its proposed FY27 funding bills for HUD and USDA in April. HAC conducted a full analysis of both proposals as they were released, including funding level tables that will be updated as the proposals move through the appropriations processes. Read the full analysis for HUD and USDA on HAC’s website.
  • HAC is hiring! Do you know someone who is passionate about serving the needs of rural communities in America? Perhaps that person is you? HAC is currently hiring in a number of different positions that advance the goals of affordable housing in rural America. Visit our Careers page, see what positions are available, and apply today!

Partnership With The Home Depot Foundation Continues to Expand Housing Support for Rural Veterans and Nonprofits

Contacts: AHRV Team, ahrv@ruralhome.org
(202) 842-8600

Washington, DC, May 26, 2026 – Veterans and their families in seventeen rural communities will have better lives, thanks to The Home Depot Foundation and the Housing Assistance Council (HAC). The Foundation is awarding grants totaling $453,850 to seventeen local nonprofit housing agencies around the country to preserve housing for veterans across rural America.

The grants are part of the Foundation’s mission to provide affordable and accessible housing solutions to U.S. veterans and invest $750 million in veteran causes by 2030. Many veterans and their families face major housing challenges, often exacerbated by issues related to unemployment, age, and service-related disabilities. The Foundation and HAC are dedicated to giving back to those who have answered the highest call of service to our nation.

As part of its Affordable Housing for Rural Veterans (AHRV) Initiative, HAC works with the Foundation to administer grants that bolster and support the work of rural nonprofit housing agencies to deliver critical housing support to veterans. “The value of HAC’s partnership with The Home Depot Foundation is immeasurable,” said David Lipsetz, HAC’s President and CEO. “Over time it has increasingly enabled HAC to show up for rural veterans by supporting the efforts of local nonprofits who provide safe, affordable housing and greater stability in the communities they call home.” As rural America is home to a disproportionately high number of service women and men, HAC remains deeply committed to supporting our nation’s service women and men by uplifting local nonprofits and their work to house veterans and ensure the habitability of their homes and rural communities.

The grantee organizations, described below, provide a range of programs. With the grants, veterans who own homes in California, Georgia, Maryland, Massachusetts, Minnesota, Mississippi, Nebraska, New York, South Carolina, South Dakota, Oklahoma, Oregon, Texas, Virginia, Washington, and Wisconsin, will obtain critical repair assistance. Altogether, 82 veterans and their families will benefit from these grants.

About The Home Depot Foundation 

The Home Depot FoundationThe Home Depot Foundation, a nonprofit supported by The Home Depot, works to improve the homes and lives of U.S. veterans, support communities impacted by natural disasters and train skilled tradespeople to fill the labor gap. Since 2011, the Foundation has invested more than $650 million in veteran causes and improved more than 70,000 veteran homes and facilities. The Foundation has pledged to invest $750 million in veteran causes by 2030 and $50 million in training the next generation of skilled tradespeople through the Path to Pro program. To learn more about The Home Depot Foundation visit HomeDepotFoundation.org and follow us on LinkedIn @TheHomeDepotFoundation, X @HomeDepotFound and on Facebook and Instagram @HomeDepotFoundation.

About the Housing Assistance Council

The Housing Assistance Council (HAC) is a national nonprofit that supports affordable housing efforts throughout rural America. Since 1971, HAC has provided below-market financing for affordable housing and community development, technical assistance and training, research and information, and policy formulation to enable solutions for rural communities. To learn more about the Housing Assistance Council, visit www.ruralhome.org and follow us on LinkedIn and Facebook.

About the Grantees


  • Appalachian Agency for Senior Citizens, Cedar Bluff, VA, will utilize $30,000 to provide housing rehabilitation and modifications to sixteen (16) veteran homes. For additional information on Appalachian Agency for Senior Citizens visit their website at https://aasc.org/
  • Austin Habitat for Humanity, Austin, TX, will utilize $30,000 to provide critical repairs to two (2) low-income veteranhomes. For additional information on Austin Habitat for Humanity visit their website at https://austinhabitat.org/
  • Bishop Sheen Ecumenical Housing Foundation, Fairport, NY, will utilize $30,000 to provide critical repairs to nine (9) disabled veteranhomes. For additional information on Bishop Sheen Ecumenical Housing Foundation visit their website at https://sheenhousing.org/
  • GROW South Dakota, Sisseton, SD, will utilize $30,000 to provide essential rehabilitation to three (3) veteran homes. For additional information on GROW South Dakota visit their website at https://www.growsd.org/
  • Habitat for Humanity North Central Massachusetts, Acton, MA, will utilize $11,500 to provide critical repairs to two (2) veteran homes. For additional information on Habitat for Humanity North Central Massachusetts visit their website at https://ncmhabitat.org/
  • Habitat for Humanity of Butte County, Chico, CA, will utilize $30,000 to support the construction of one (1) home for a low-income veteran. For additional information on Habitat for Humanity of Butte County visit their website at https://www.buttehabitat.org/
  • Habitat for Humanity of Columbus Nebraska, Columbus, NE, will utilize $30,000 to provide critical repairs to four (4) veteran homes. For additional information on Habitat for Humanity of Columbus Nebraska visit their website at https://www.hfhcolumbusne.org/
  • Habitat for Humanity of Wicomico County, Fruitland, MD, will utilize $30,000 to provide critical repairs to three (3) low-income veteran homes. For additional information on Habitat for Humanity of Wicomico County visit their website at https://wicomicohabitat.org/
  • Habitat for Humanity of York County, Rock Hill, SC, will utilize $12,500 to provide critical repairs to one (1) veteran home. For additional information on Habitat for Humanity of York County visit their website at https://yorkcountyhabitat.org/
  • Houston County Habitat for Humanity, Warner Robins, GA, will utilize $15,000 to provide critical repairs to two (2) veteran homes. For additional information on Houston County Habitat for Humanity visit their website at https://www.hocohabitat.org/
  • Neighborhood Housing Services Oklahoma City, Inc., Oklahoma City, OK, will utilize $30,000 to provide critical repairs to eight (8) low-income veteran homes. For additional information on Neighborhood Housing Services Oklahoma City Inc. visit their website at https://www.nhsokla.org/
  • NeighborWorks Umpqua, Roseburg, OR, will utilize $30,000 to provide critical repairs to ten (10) low-income veteran-owned homes. For additional information on NeighborWorks Umpqua visit their website at http://www.nwumpqua.org/
  • Rebuilding Together Minnesota, Minneapolis, MN, will utilize $30,000 to provide critical repairs to four (4) low-income veteran homes. For additional information on Rebuilding Together Minnesota visit their website at http://www.rtmn.org/
  • Rebuilding Together Platte Valley East, Fremont, NE, will utilize $25,850 to provide critical repairs to one (1) veteran home. For additional information on Rebuilding Together Platte Valley East visit their website at https://rebuildingtogetherpve.org/
  • Rebuilding Together Saratoga County, Ballston Spa, NY, will utilize $30,000 to provide critical repairs to four (4) low-income veteran homes. For additional information on Rebuilding Together Saratoga County visit their website at https://rtsaratoga.org/
  • Tacoma Pierce County Habitat for Humanity, Tacoma, WA, will utilize $29,000 to provide critical repairs to two (2) veteran homes. For additional information on Tacoma Pierce County Habitat for Humanity visit their website at https://www.tpc-habitat.org/
  • Wild Rivers Habitat for Humanity, Spooner, WI, will utilize $30,000 to provide critical repairs to two (2) veteran homes. For additional information on Wild Rivers Habitat for Humanity visit their website at https://wildrivershabitat.org/

From Fragmented Processes to Scalable Systems: Rebuilding Operational Capacity at NeighborWorks Umpqua

NeighborWorks Umpqua, based in Roseburg, Oregon, is a long-standing housing organization serving Coos, Curry, and Douglas counties. With multiple departments spanning real estate development, property management, resident services, and financial coaching, the organization has historically played a significant role in delivering housing solutions across its region. In recent years, Umpqua CDC began expanding into new areas of work, including the creation of a Climate Resiliency Department focused on homeowner rehabilitation and energy efficiency improvements such as heat pump installations. While the organization brought strong institutional experience and reputation, this newer line of work introduced operational complexity that existing systems were not designed to support.

Despite strong commitment and effort, the absence of clearly documented processes created inefficiencies across the workflow. Key operational steps—such as intake, bidding, construction management, and project closeout—were either inconsistently defined or embedded in outdated policy manuals that did not reflect actual practice. Departments operated in silos, limiting coordination and making it difficult to align the new Climate Resiliency work with existing organizational systems.

In the spring of 2024, Umpqua applied to the Housing Assistance Council’s (HAC) OneRural direct technical assistance program and was officially onboarded into the program that summer. Through OneRural, HAC provides customized, one-on-one support to rural organizations working in affordable housing and community development, with a goal of supporting long-term growth and helping organizations expand their impact in their communities.

“On my first site visit with the organization, I realized the Division of Climate Resiliency was newly formed, with a new director and a team struggling to find its place within the organization,” said HAC Housing Specialist Shreya Shrestha. “The department was operating in a silent way, with limited visibility across the organization, and other departments were not fully aware of their work or impact.”

The implementation of a flowchart-based process mapping system designed by Shreya was a turning point. What began as a tool for one department within Umpqua evolved into a shared resource used across teams that spanned the entire corporation.

“The division staff had a lot of information, but it was siloed and not being shared across the team,” Shreya said. “Their work was more reactionary than proactive, and everyone was overwhelmed by the complexity of the process, struggling to document in their procedure manual. I realized the core need was transparency—something that visualized the complex process in a simple diagram, and the whole team could understand and participate without feeling overwhelmed.”

As workflows became clearer, the organization began addressing specific inefficiencies. Intake processes were streamlined, template documents were developed to reduce repetitive work, and timelines for each phase of the project were defined.

“Developing a flowchart system was the right technical assistance solution because it created transparency, broke down information silos, and supported cross-team collaboration by giving everyone a shared view of how work actually moves through the department,” Shreya said.

These system-level changes introduced by Shreya and the HAC team produced measurable results. Within a year of implementing these improvements, NeighborWorks Umpqua more than doubled its homeowner rehabilitation output, increasing from approximately 22–30 projects annually to over 56 completed projects, while serving roughly 70 households.

This engagement demonstrates that capacity building within established organizations often requires rebuilding the systems that support day-to-day work. For NeighborWorks Umpqua, technical assistance helped move the organization from fragmented, siloed operations to a more integrated and scalable model. With durable systems now in place, the organization is better positioned to expand its homeowner rehabilitation work, adapt to new funding opportunities, and sustain its impact across rural Oregon.

Rural Recap – Welcome Anjanette

David’s Take

We do a lot of important, transformative work here at HAC, and the care and attention that goes into every step of this work is something that I hope is evident when you read Rural Recap. We have a great set of community partners, and our team is truly special.
Take for example Anjanette Brown, HAC’s new Chief Financial Officer. Anjanette first got to know our organization while Vice President of Accounting at longtime HAC partner Community Housing Partners (CHP) in Christiansburg, Virginia. She went from CHP to leadership roles at YWCA Metropolitan Chicago, Neighborhood Housing Services of Chicago, and The Resurrection Project. We are excited Anjanette returned to our world of rural housing, and we are thrilled she is doing so at HAC. Her financial management experience is extraordinary, and her commitment to helping rural people all over the country could not be clearer.
Once again, Rural Recap provides an update on the work HAC does to carry out its mission helping rural people achieve safe and affordable housing. Here are some highlights of the impact our partners and staff have made working together.

HACtivities

National Congress of American Indians Executive Council Winter Session

On February 10th, HAC CEO David Lipsetz attended the National Congress of American Indians (NCAI) Executive Council Winter Session in Washington, DC. Sitting on a panel focused on Indian Housing, David talked about HAC’s 54-year history of lending in rural communities, touting stories of success in Native lands despite the challenges posed by limited resources and capacity. He provided the specific example of the White Mountain Apache Housing Authority (WMAHA), and how together with the Home Depot Foundation, HAC was able to award a $30,000 grant to WMAHA to help rehabilitate veteran houses on the Fort Apache Indian Reservation in eastern central Arizona. HAC would like to thank the National Congress of American Indians for allowing us to share what works and is looking forward to making more lasting partnerships in Tribal communities.

2025 National Rural Housing Conference

Last November, HAC hosted its biennial National Rural Housing Conference in Washington, DC. The conference brought together experts in housing, finance, nonprofit advocacy, and government, to engage in robust learning opportunities, meaningful networking, and discussions focused on strengthening rural housing nationwide. The conference plenaries addressed the issues faced by rural housing organizations, including a panel on the challenges of building affordable housing in rural America moderated by HAC Director of Research and Information Lance George, with panelists from the National Community Reinvestment Corporation and the National Association of Home Builders, as well as a, “Voices from The Hill” session that featured a speech from Sen. Amy Klobuchar (D-MN) and videos from Sen. Elizabeth Warren (D-MA) and Rep. Zach Nunn (R-IA) highlighting housing’s role as a bipartisan unifier in America. We invite you to watch these plenary recordings on our YouTube channel, and to keep an eye out for information about the National Rural Housing Conference when it returns in 2027.

Recaps

In February, HAC launched Heirs’ Property Central, a new online hub connecting researchers, advocates, and practitioners to trusted resources on heirs’ property issues. Made possible with support from the Robert Wood Johnson Foundation and JP Morgan Chase, Heirs’ Property Central brings together resources, research, and partner expertise to help communities, service providers, and professionals protect landowners’ agency and advance their housing goals. Read our reports, utilize our partners directory, check out our resources, and more at the Heirs’ Property Central website.

In January, HAC published our 2026 Policy Priorities. Based around the five key pillars of improving housing supply, building capacity, expanding access to credit, preserving rural multifamily housing, and bolstering federal housing programs, the policy priorities expound on topics that span from heirs’ property, to rural homelessness, to high-needs rural regions in America, to disaster resiliency, and much more. Go in-depth with HAC’s 2026 Policy Priorities at the link above, or at our website at www.ruralhome.org.

Rural America is home to a rapidly aging and increasingly disabled population—but many rural residents are navigating these challenges alone. In this piece entitled, “Expanding Service Coordination in Rural 515 Housing” HAC explores why service coordination is so critical in USDA Section 515 housing, and why it remains underused. Drawing on research, and HAC’s partnership with the AARP Foundation, the article demonstrates how service coordinators can help rural people stay housed while also strengthening operations. Read the full article to learn how this work is unfolding.

HAC is hiring! Do you know someone who is passionate about serving the needs of rural communities in America? Perhaps that person is you? HAC is currently hiring in a number of different positions that advance the goals of affordable housing in rural America. Visit our Careers page, see what positions are available, and apply today!

Rural Veterans and Nonprofits Gain Critical Housing Support Through Partnership with The Home Depot Foundation

Contacts: AHRV Team, ahrv@ruralhome.org
(202) 842-8600

Washington, DC, May 27, 2025 – Veterans and their families in fifteen rural communities will have better lives, thanks to The Home Depot Foundation and the Housing Assistance Council (HAC). The Foundation is awarding grants totaling $450,000 to fifteen local nonprofit housing agencies around the country to preserve housing for veterans in rural America.

The grants are part of The Home Depot Foundation’s mission to provide affordable and accessible housing solutions to U.S. veterans and invest $750 million in veteran causes by 2030. Many veterans and their families face major housing challenges, often exacerbated by issues related to unemployment, age, and service-related disabilities. The Home Depot Foundation and HAC are dedicated to giving back to those who have answered the highest call of service to our nation.

As part of its Affordable Housing for Rural Veterans (AHRV) Initiative, HAC works with The Home Depot Foundation to administer grants that bolster and support the work of rural nonprofit housing agencies to deliver critical housing support to veterans. “The Home Depot Foundation’s support is crucial to HAC’s efforts to ensure rural veterans aren’t left behind. It fuels local action to combat housing insecurity and deliver the safe, affordable homes they deserve,” said David Lipsetz, HAC’s President and CEO. As rural America is home to a disproportionately high number of service women and men, HAC remains deeply committed to supporting our nation’s service women and men by uplifting local nonprofits and their work to house veterans and ensure the habitability of their homes and rural communities.

The grantee organizations – described below – provide a range of programs. With the grants, veterans who own homes in California, Florida, Illinois, Iowa, Kansas, Maryland, Maine, Michigan, New Mexico, New York, North Carolina, and South Carolina will obtain critical repair assistance. Altogether, 98 veterans and their families will benefit from these grants.

About The Home Depot Foundation 

The Home Depot FoundationThe Home Depot Foundation, a nonprofit supported by The Home Depot (NYSE: HD), works to improve the homes and lives of U.S. veterans, support communities impacted by natural disasters and train skilled tradespeople to fill the labor gap. Since 2011, the Foundation has invested more than $550 million in veteran causes and improved more than 65,000 veteran homes and facilities. The Foundation has pledged to invest $750 million in veteran causes by 2030 and $50 million in training the next generation of skilled tradespeople through the Path to Pro program by 2028. To learn more about The Home Depot Foundation visit HomeDepotFoundation.org and follow us

on Twitter @HomeDepotFound and on Facebook and Instagram @HomeDepotFoundation.

About the Housing Assistance Council

The Housing Assistance Council (HAC) is a national nonprofit that supports affordable housing efforts throughout rural America. Since 1971, HAC has provided below-market financing for affordable housing and community development, technical assistance and training, research and information, and policy formulation to enable solutions for rural communities. To learn more about the Housing Assistance Council, visit www.ruralhome.org and follow us on LinkedIn and Facebook.

About the Grantees


  • Anderson Interfaith Ministries, Anderson, SC, will utilize $30,000 to provide critical repairs for seven (7) low-income For additional information on Anderson Interfaith Ministries, visit their website at https://www.aimcharity.org/.
  • Chesapeake Health Education Program, Inc., Perryville, MD, will utilize $30,000 to complete repairs on two (2) transitional housing units serving eight (8) male veterans in Perry Point, MD. For additional information on Chesapeake Health Education Program, Inc., visit their website at https://chepinc.org/.
  • Embarras River Basin Agency, Inc., Greenup, IL, will utilize $30,000 to provide critical home repairs for three (3) rural, low-income veterans. For additional information on Embarras River Basin Agency, Inc., visit their website at https://erbainc.org/.
  • Goodwill Industries of Northern Michigan, Traverse City, MI, will utilize $30,000 to provide critical repairs to nine (9) group homes and one (1) single-family home assisting a combined twenty-eight (28) low-income rural veterans. For additional information on Goodwill Industries of Northern Michigan, visit their website at https://www.goodwillnmi.org/.
  • Habitat for Humanity Calaveras, Angels Camp, CA, will utilize $30,000 to assist four (4) women veteran households with critical repairs. For additional information on Habitat for Humanity Calaveras, visit their website at https://habitatcalaveras.org/.
  • Habitat for Humanity Lake Sumter, Eustis, FL, will utilize $30,000 to provide critical home repairs for three (3) rural, low-income veterans. For additional information on Habitat for Humanity Lake Sumter, visit their website at https://habitatls.org/.
  • Rebuilding Together Muscatine County, Muscatine, IA, will utilize $30,000 to assist five (5) rural low-income veterans with critical repairs and accessibility modifications. For additional information on Rebuilding Together Muscatine County, visit their website at https://rebuildingtogethermuscatine.org/.
  • Rebuilding Together Sandoval County, Bernalillo, NM, will utilize $30,000 to provide two (2) veterans with critical home repairs in rural Bernalillo County. For additional information on Rebuilding Together Sandoval County, visit their website at https://www.rebuildingtogethersandoval.org/.
  • Rebuilding Together Saratoga County, Ballston Spa, NY, will utilize $30,000 to provide critical repairs and accessibility modifications for four (4) low-income rural veterans. For additional information on Rebuilding Together Saratoga County, visit their website at https://www.rtsaratoga.org/.
  • Rebuilding Together Southwest Illinois, Edwardsville, IL, will utilize $30,000 to assist five (5) rural low-income veterans with critical repairs and accessibility modifications. For additional information on Rebuilding Together Southwest Illinois, visit their website at https://rebuildswi.org/.
  • Servants, Inc., Red Lion, PA, will utilize $30,000 to provide critical repairs and accessibility modifications for ten (10) low-income veteran homeowners. For additional information on Servants, Inc., visit their website at https://www.servants.org/.
  • Thrive Allen County, Inc., Iola, KS, will utilize $30,000 to provide critical repairs and accessibility modifications for at least seven (7) low-income rural veteran homeowners. For additional information on Thrive Allen County, Inc., visit their website at https://thriveallencounty.org.
  • Upper Peninsula Commission for Area Progress, Escanaba, MI, will utilize $30,000 to assist one (1) rural low-income veteran with major critical repairs and structural integrity modifications. For additional information on UPCAP Services, Inc., visit their website at https://upcap.org/.
  • Western Maine Community Action, East Wilton, ME, will utilize $30,000 to provide critical home repairs on six (6) low-income veteran owner-occupied homes. For additional information on Western Maine Community Action, visit their website at https://www.wmca.org/.
  • Wilmington Area Rebuilding Ministry, Inc., Wilmington, NC, will utilize $30,000 to provide critical repairs and modifications, including roof replacement and HVAC systems replacement, for five (5) low-income rural veteran homeowners. For additional information on Wilmington Area Rebuilding Ministry, Inc., visit their website at https://www.warmnc.org/.

Your Support Fuels Rural Ingenuity

See how HAC partners with local organizations like WMCDC to overcome challenges and deliver affordable housing.

Helping rural communities is what we live for at the Housing Assistance Council (HAC.) Our team loves to make loans to local organizations building affordable housing. We get excited about posting data and publishing research on rural conditions. We are relentless advocates for public- and private-sector programs that bring good-quality homes to rural families. We are inspired by the thousands of local housing providers that come to trainings and call for one-on-one technical assistance. Walker Montgomery CDC Site Visit

One of our favorite examples of the last year comes from a local partner in New Waverly, Texas (pop. 914,) Launched nearly 25 years ago, Walker Montgomery Community Development Corporation (WMCDC) builds affordable housing in several Gulf Coast counties. Like most rural groups we know, they rely on local ingenuity to get things done. For instance, WMCDC helped address a construction workforce shortage in Southeast Texas by recruiting 40 participants a year into the Gulf Coast Trades Center’s YouthBuild program. These youth learn valuable professional skills while completing an average of 2 new homes per year.

Yet, it’s hard work building affordable housing through a YouthBuild program. There will be times when you need a partner to keep you going. So, when WMCDC hit more challenges with their labor supply and getting families ready to own a home, they asked HAC for help. The first thing we did is listen to WMCDC leaders discuss the challenges. Then together we explored options and planned how they could maintain production. With contacts around Walker and Montgomery counties, the CDC engaged a general contractor to fill in for the YouthBuild crews and HAC provided training in homebuyer recruitment to keep the pipeline of families ready and strong.

Through projects big and small, HAC brings to local partners the capacity they need to keep going. With your support, we can continue to help WMCDC and hundreds of other rural housing groups. Please join in this work that we love by making HAC a part of your year-end giving. Together, we will help rural communities build good homes and prosper.

We wish you—and everyone in #rural America—a safe, healthy, and affordable place to call home. Happy Holidays from HAC!


Donate to HAC

Enhance Your Organization’s Impact with HAC’s Upcoming Capacity Building Opportunities

We are thrilled to present the following exciting opportunities for your organization to expand its impact in rural communities through specialized training and technical assistance. Whether you are looking to enhance your capabilities or dive into homeowner rehabilitation, the Housing Assistance Council (HAC) has a program for you!


We are thrilled to present two exciting opportunities for your organization to expand its impact in rural communities through specialized training and technical assistance. Whether you are looking to enhance your capabilities or dive into homeowner rehabilitation, the Housing Assistance Council (HAC) has a program for you!

OneRural Capacity Building Program – Apply Now

Kickstart your organization’s growth with HAC’s OneRural Capacity Building Program. This initiative is specifically designed for nonprofit organizations and Tribally Designated Housing Entities (TDHEs) eager to advance their mission.

Why Participate?

  • Tailored Assistance: Benefit from customized technical support.
  • Exclusive Resources: Access a wealth of training materials and informational guides.
  • Scholarship Opportunities: Enjoy reimbursable scholarships for HAC-sponsored training events.

Act quickly! Applications are reviewed on a rolling basis to ensure timely support for your projects. Apply Now!



Empowering Organizations for Successful Homeowner Rehabilitation – Join Our Learning Cohort

Strengthen your team with our targeted learning series, aimed at nonprofits undertaking homeowner rehabilitation efforts. Supported by HUD’s Rural Capacity Building Program, this cohort will guide you through every step of the rehabilitation process.

Program Features:

  • End-to-End Training: From strategic marketing to project completion.
  • Skill Building: Enhance technical capabilities and strategic approaches tailored to rural, low-income homeowners.
  • Focus Areas: Improve health and safety, increase energy efficiency, and preserve existing housing stock.

Ready to make a greater impact? This is your chance to transform your community one home at a time. Apply now for the cohort!



Let’s Build Stronger Communities Together

Don’t miss these opportunities to elevate your organization’s influence and capacity. For more information and to submit your applications, click the links above.

HAC Applauds New Farm Bill Framework

The Housing Assistance Council (HAC) celebrates the inclusion of key priorities for rural community development in the Rural Prosperity and Food Security Act, released by Senate Agriculture Committee Chairwoman Debbie Stabenow earlier this week. Strong rural communities are a vital part of building a stronger, better future for the whole country. This bill recognizes that reality. Including robust new resources for rural community development in the Farm Bill would be a historic victory for small towns and rural places nationwide.

The framework released by Chairwoman Stabenow creates, for the first time, baseline funding for Rural Development, with $50 million per year for the Rural Partnership Program, a new capacity building program that HAC has long been supportive of. This sustained investment in rural communities would help them build the capacity to access complex federal funding streams and overcome their greatest challenges, from housing to childcare to broadband.

HAC also continues to be glad to see the bipartisan interest in Senator Tina Smith’s and Senator Mike Rounds’ Rural Housing Service Reform Act. This bill makes tested, commonsense reforms to USDA housing programs so that they can better serve rural America. Modernizing the Rural Housing Service is an important step in solving the growing crisis in rural multifamily preservation. While not under the jurisdiction of the Agriculture Committee, we hope that this bill can move through the Banking Committee and join with the Farm Bill as a floor amendment.

“Rural Development is an often-overlooked title within the Farm Bill,” notes HAC Director of Public Policy Jonathan Harwitz. “Chairwoman Stabenow’s new framework changes that narrative for Rural Development. Improving those programs and providing baseline funding would give rural communities nationwide the tools they need to build a better, stronger future. We look forward to hopefully seeing the Farm Bill move forward this year and thank Chairwoman Stabenow for her leadership.”

Old Historic Carnation, LP: A HAC Success Story

HAC’s patience and flexibility help convert a vacant Carnation milk plant into homes for seniors in Tupelo, MS

Rendering of carnation plant developmentThe Carnation Milk plant in Tupelo, Mississippi, has sat vacant since 1972. In about a year, that will change when 33 low-income senior households move into new affordable homes in this old factory. This May, Old Historic Carnation, LP broke ground on Carnation Village, a $16.8 million adaptive reuse project to convert the abandoned factory into 33 units of affordable senior housing. These units are sorely needed in Tupelo, a high-poverty community which needs over 1,500 additional senior affordable housing units. With a $325,000 loan from The Housing Assistance Council (HAC)—and two sixth-month extensions to that loan—the developer successfully navigated a predevelopment process mired in construction cost increases and unexpected funding gaps. Here’s how:

Photo of vacant Carnation plantThe original project scope called for 50 units: 25 from an adaptive re-use of the plant itself and another 25 in a second building to be constructed next door. When our loan closed in July 2021, the project budget totaled about $12.7 million, to be funded by Low Income Housing Tax Credits, Historic Tax Credits, and a $1.6 million investment. Our financing covered the predevelopment costs of the work required to get to construction financing closing including environmental testing, historic preservation approvals, tax credit application and reservation fees, a market study, and an appraisal.

In the fall of 2021, increases in construction costs left Old Historic Carnation with a $3.8 million funding gap. By the time they applied for and received more tax credits from the Mississippi Housing Corporation (MHC), added a $1 million mortgage, received approval from the National Park Service, and updated the construction bids, costs had increased by a further $4.5 million. In the space of less than a year, the construction cost for the project nearly doubled.

Because HAC can be a patient lender, we extended our loan by six months to give the developer time to solve the problem. Old Historic Carnation applied for and received another tax credit increase from the state, reduced costs with value engineering measures, and increased the deferred developer fee by almost $2 million.

Construction costs increased again in the summer of 2022, causing the investor to back out of the project. The developer went back to the drawing board once again and reduced the project’s scope to 33 units, all affordable to households making less than 80% of the area median income (AMI). Plus, 26 would also be affordable to households under 60% AMI. With an additional loan extension from HAC, Old Historic Carnation secured approval of the new scope by MHC, obtained the necessary building permits, and have now begun demolition.

HAC Loan Office Alison Duncan (center) breaks ground for Carnation Village.

HAC Loan Office Alison Duncan (center) breaks ground for Carnation Village. Photo by Adam Robison, the Daily Journal.

On March 21st, Old Historic Carnation, LP closed on construction financing and repaid our predevelopment loan in full. And on May 31st, the project broke ground. Old Historic Carnation’s persistence and creativity made this project a success. But it was HAC’s flexibility that supported them as they went through the process of raising additional funds three times to make the project work. The Carnation Village project showcases how the ingenuity of a local housing developer, solid working relationships with private, state and federal funders, and flexible and patient HAC financing all add up to bring difficult and important projects to fruition. Fifty-one years ago, Carnation Milk closed its factory in Tupelo, Mississippi. Soon, thirty-three low-income, senior households will be able to call it home.

HAC is proud to be a critical part of this project and we look forward to watching it develop.

HAC receives $6,325,000 from HUD to invest in rural communities and rural housing

Contact: Dan Stern, dan@ruralhome.org
(202) 516-6882

Washington, DC, May 15, 2023 – The Housing Assistance Council (HAC) has been awarded a total of $6,325,000 funding from the U.S. Department of Housing and Urban Development (HUD) to invest in the capacity of rural communities and help rural families achieve homeownership. HAC was awarded $4,000,000 from the Self-Help Homeownership Opportunity Program (SHOP) and $2,325,000 in Rural Capacity Building (RCB) funding. The funds represent a portion of HUD’s $22 million investment into rural communities through the SHOP and RCB programs.

The funding was announced in conjunction with an event in Russellville, AR at which HUD Deputy Secretary Adrianne Todman toured several homes that are being built using funds from HAC’s SHOP program with local partner Universal Housing Development Corporation.

HUD’s official press release announcing the award included the following statement from Secretary Marcia L. Fudge “Today, we are investing in homeownership and expanding access to affordable housing to rural communities. The SHOP program provides a unique pathway for first-time homeowners and underserved groups to buy a home. At HUD, we care about rural America and these capacity building grants are further evidence of our commitment.”

SHOP funding will allow rural homebuyers to invest their sweat equity and hard work towards the construction of their own homes in rural communities. HAC will use its RCB funding to assist a group of eligible rural organizations to undertake affordable housing and community development activities in disadvantaged and other target communities around the country.

“HAC’s decades long partnership with HUD has provided affordable homes for people and increased capacity for organizations in rural communities across the United States,” said David Lipsetz, President & CEO of the Housing Assistance Council. “These awards will improve the lives of countless rural people and highlight HUD’s commitment to rural America!”

About the SHOP Program

The Self-Help Homeownership Opportunity Program (SHOP) awards grant funds to eligible national and regional nonprofit organizations and consortia. Funds must be used for eligible expenses to develop decent, safe, and sanitary non-luxury housing for low-income persons and families who otherwise would not become homeowners. Examples are for purchasing home sites and developing or improving the infrastructure needed to set the stage for sweat equity and volunteer-based homeownership programs for low-income persons and families. Homebuyers must be willing to contribute significant amounts of their own sweat equity toward the construction or rehabilitation of their homes.

About the RCB Program

The Rural Capacity Building (RCB) program enhances the capacity and ability of rural housing development organizations, Community Development Corporations (CDCs), Community Housing Development Organizations (CHDOs), local governments, and Indian tribes to carry out affordable housing and community development activities in rural areas for the benefit of low- and moderate-income families and persons. The Rural Capacity Building program achieves this by funding national organizations with expertise in rural housing and rural community development who work directly to build the capacity of eligible beneficiaries.

About the Housing Assistance Council

The Housing Assistance Council (HAC) is a national nonprofit that supports affordable housing efforts throughout rural America. Since 1971, HAC has provided below-market financing for affordable housing and community development, technical assistance and training, research and information, and policy formulation to enable solutions for rural communities.

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