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Funding Opportunities

Grants and Funding Resources

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Affordable Housing Homeownership Grant Program for Miami-Dade County - Affordable Housing Homeownership Grant Program for Miami-Dade County - purchase a home in selected communities and receive assistance to be used towarddown payment, closing costs, or reduction in the amount of the first mortgage. For more information, call Cathryn Laura with Miami-Dade Housing Agency, Development and Loan Administration Division, at 305 250 5238.

Affordable Housing Homeownership Renovation Program - City of Boca Raton Homebuyer Assistance Program - purchase a home with only 3 percent of your own funds and get a second mortgage to be used toward the downpayment or principal reduction of first mortgage, closing cost or rehab of property. For more information, call Mary Hackett at 561 393 7758.

Catalog of Federal Domestic Assistance - A one-stop searchable database of federal grants and assistance. This compendium of Federal programs, projects, services, and activities is an easy-to-use directory of financial and nonfinancial assistance programs administered by the U.S. government.

CDC Developed Housing - CDC Developed Housing. - Contact John Little at the South Florida Community Development Coalition for information houses and condos being constructed (or renovated) and financed by CDCs in Miami-Dade, Broward, and Palm Beach Counties - 305 576 0080 ext 342 (or contact the CDCs directly using the information contained in this website)

Civic Infrastructure and the Financing of Community Development - This paper examines how relationships between public, for-profit, and non-profit community development entities affect the capacity for financing urban neighborhood projects by examining networks among such groups in three cities. Cleveland, Indianapolis, and St. Louis.

Community Foundation for Palm Beach and Martin County - The Community Foundation for Palm Beach and Martin Counties is our areas' trust fund supported by a broad spectrum of individuals, families, corporations and private foundations.

Community Home Buyer's Program - Community Home Buyer's Program - mortgages that require less income to qualify and less cash for closing than traditional mortgages. In some cases downpayment assistance may be available for applicants that have saved 3 percent of the amount needed for the downpayment. Subject to funding availability, the remaining 2 percent can come from Greater Miami Neighborhoods or the Metro-Miami Action Plan; from programs in the cities of Boca Raton, Florida City, Ft. Lauderdale, Hialeah, Hollywood, Homestead, Miami, Pembroke Pines Lauderdale Lakes, Tamarac, Sunrise, Plantation or Miramar; and from programs in Broward, Miami-Dade, Monroe, or Palm Beach Counties. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

Community Reinvestment Fund - Community Reinvestment Fund (CRF) is the national leader in bringing capital to community-development lenders through the secondary market for loans. Started in 1989, CRF has injected hundreds of millions of dollars into low-income and economically disadvantaged communities across the country to help stimulate job creation and economic development, provide affordable housing and construct community facilities. CRF is a nonprofit organization, headquartered in Minneapolis, MN. It is supported primarily by its own revenue-generating activities, including loan purchasing, loan servicing and training and technical assistance. CRF gets further support from foundations, corporations and individuals that want to use their social-purpose investments in a way that maximizes their effectiveness. These dollars help CRF continue to expand its activities.

Fannie Mae's Flexible 97 Program - - Fannie Mae's Flexible 97 Program - For applicants having very good credit but no savings for downpayment. Loans are a 30-year, fixed-rate mortgage that allows borrowers to use personal savings; a gift from a family member; a loan secured by a marketable asset (such as a certificate of deposit, a 401(k), the cash value on life insurance, or other real estate; or a loan or grant from a nonprofit or government agency for the 3 percent downpayment. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

Fannie Mae's HomeStyle Community Mortgages - Fannie Mae's HomeStyle Community Mortgages -- Provides money through a single loan to buy and/or repair or renovate a home. There is a low down payment requirement. The home must be primary residence of borrower. Borrowers must meet income requirements. The amount that can be borrowed is determined by what the property will be worth after the work is done. With the HomeStyle Community Mortgage 3/2 Option, pay as little as 3 percent down and use gift, a grant, or a government or nonprofit to pay the remaining 2 percent of your down payment. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

Fannie Mae's HomeStyle FHA Title I Home Improvement Loan - Fannie Mae's HomeStyle FHA Title I Home Improvement Loan - for homeowners who need to make small but essential improvements, up to $25,00 is available for single-family homes, and up to $12,000 per unit in 2- to 12-unit properties. The loans are for people who have very good credit but minimal equity. The home may be either the borrower's primary or secondary residence but it cannot be used for investment properties. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

Fannie Mae's HomeStyle Investor Mortgage - Fannie Mae's HomeStyle Investor Mortgage - For borrowers who wish to buy and repair a one or two family property. Borrowers can sell the house within 18 months and let a buyer assume the loan. The funds can be used for homes in need of renovation. Investors can obtain the same mortgage interest rate as owner-occupant with the loan-to-value ratios based on the "as-completed" property value. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

FannieMae's "Timely Payment Rewards" - FannieMae's "Timely Payment Rewards" loan program -- For borrowers with past credit problems. Qualifying borrowers have the opportunity for a one percent rate reduction after making mortgage payments on time for 24 consecutive months without a delinquency. Loan funds can be used to refinance an existing mortgage. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

FannieMae's Home Equity Conversion Mortgage (HECM) - FannieMae's Home Equity Conversion Mortgage (HECM) - For borrowers who are 62 years of age or older who need extra cash. To qualify the borrowers must own his or her home and have little or no mortgage balance. Participants borrow against the equity in their home or condo to get cash. Repayment is not required as long as they live in the home. Call a reverse mortgage specialist at 1-800-732-6643 for more information.

FannieMae's Home Keeper for Home Purchase Mortgage - FannieMae's Home Keeper for Home Purchase Mortgage - For borrowers who are 62 years of age or older. Participating borrowers can use the loan funds to purchase a home with a down payment. No repayment due as long as they continue living there. Call a reverse mortgage specialist at 1-800-732-6643 for more information.

Florid Weatherization Assistance Program - The Weatherization Assistance Program provides grants to community action agencies, local governments, Indian tribes and non-profit agencies to fund energy saving repairs to low-income homes in all counties.

Florida City's First-Time Homebuyers Program - Florida City's First-Time Homebuyers Program - a loan to use towards the purchase price, repairs, or renovations with only 3 percent down. For more information call Matthew Price with Florida City at 305 242 0861.

Florida Main Street Program - Site for the Florida Main Street Program. Provides information on the program and how to bring it to your community. Laura Lee Corbett, Florida Main Street Coordinator Phone: 850-245-6333 or 800-847-7278 Fax: 850-245-6437 Florida Main Street Bureau of Historic Preservation R.A. Gray Building, Fourth Floor 500 South Bronough St. Tallahassee, FL 32399-0250

Homeownership Loan Assistance Program of Miami-Dade - Homeownership Loan Assistance Program for Miami-Dade County - Applicants can purchase a home for up to $112,350 with only 3 percent of their own funds and geta second mortgage toward the purchase price with only 3 percent down to be used toward the down payment, closing costs, or reduction of their first mortgage. For more information, call Cathryn Laura at the Miami-Dade Housing Agency, Development and Loan Administration Division, at 305 250 5238.

InterestFirst Mortgage - InterestFirst Mortgage: This loan is 30 year where the borrower pays only the interest for the first 15 years. The payments are adjusted for the final 15 years into a fully amortized loan. InterestFirst loans are for borrowers who want a lower monthly payment with the stability of a fixed rate mortgage. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area

Mentor Center of Palm Beach County Grant Opportunities - We are a local advocate for the expansion of youth mentoring, and a resource for mentors and mentoring programs throughout Palm Beach County. The Mentor Center is not a mentoring program. We believe that mentoring is a strategy for success for young people, and our goal is to increase the number of quality mentoring opportunities in Palm Beach County. Source of Grants

NATIONAL ASSOCIATION FOR STATE COMMUNITY SERVICES PROGRAMS - Variety of Research Papers and Reports in the area of community development. NASCSP’s mission is to assist states in responding to poverty issues. NASCSP members are state administrators of the Community Services Block Grant (CSBG) and the U.S. Department of Energy’s Weatherization Assistance Program (DOE/WAP). The CSBG, administered by the states, provides core funding to local agencies to reduce poverty, revitalize low-income communities and to empower low-income families to become self-sufficient. The DOE/WAP helps low-income families reduce their energy costs by making homes more energy-efficient. The local agencies funded by these programs provide a wide range of services such as weatherization, energy assistance, child care, job training, and housing. NASCSP keeps its members, the federal government, and other interested parties informed about issues related to CSBG and DOE/WAP through its publications. See below for examples of NASCSP’s products.

Neighborhood Infill and Stabalization Program for Miami-Dade - Neighborhood Infill and Stabilization Program for Miami-Dade County - Applicants can buy a home in Little Haiti, Florida City/Homestead, or Overtown with only5 percent down. This is a special program of FannieMae in partnership with local nonprofits. Call Carol Bellak with Greater Miami Neighborhoods at 305 324 5505 for more information.

New American Homeownership Program - New American Homeownership Program: To be eligible, applicants must (1) have had one year of steady and verifiable income; (2) must be U.S. citizen or permanent resident. Having little or no established credit is NOT a barrier. Loan require only a 3 percent downpayment. The home must be located either in Monroe, Miami-Dade, Broward, or Palm Beach counties. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

New American Homeownership Program - New American Homeownership Program: To be eligible, applicants must (1) have had one year of steady and verifiable income; (2) must be U.S. citizen or permanent resident. Having little or no established credit is NOT a barrier. Loan require only a 3 percent downpayment. The home must be located either in Monroe, Miami-Dade, Broward, or Palm Beach counties. Call the FannieMae Resource Center at 1-800-732-6643 for the name of a participating lender in your area.

New Immigrants Initiative - New Immigrants Initiative - Provides home purchase mortgages with a downpayment requirement as low as 3 percent for new immigrants. To be eligible the applicant must be an employment-authorized pending permanent resident that has applied for permanent resident ("green") card but hasn't yet received it. Applicants must provide evidence of the right to work in the United States pursuant to certain Immigration and Naturalization Service classifications or be classified in the status of refugee, asylee, family sponsored immigrant, or visa lottery winner. Minimum of two years consecutive residence in the United States is required. While immigrants ''newly arrived in this country are the focus of this Initiative, United States citizens and permanent residents are also eligible to participate. All potential borrowers must have a minimum of two year's consecutive work and credit history in the United States. Call Cecilia la Villa Travieso at the Miami FannieMae Partnership Office for more information - 305 603 2300

Palm Beach County Financing Authority - The Housing Finance Authority assists individuals in home ownership through the sale of tax free revenue bonds and makes low-interest mortgage monies available for multi-family projects. Contact: Earl Mixon Housing Finance Authority 810 Datura Street West Palm Beach, FL 33401 Phone: (561) 355-4780.

Palm Beach County Head Start - Palm Beach County Head Start provides comprehensive developmental services to low-income, pre-school children and their families. Head Start programs emphasize education, social services, medical, dental, nutritional and counseling services, and parental involvement to enable each child to develop to his or her fullest potential. Contact: Dr. Carmen Nicholas, Director Head Start and Children's Services Division 3323 Belvedere Road, Building 501 West Palm Beach, FL 33406

Palm Beach County Residential Single-Family Rehabilitation Program - The program provides technical and financial assistance to owner-occupants of single-family homes for the purpose of rehabilitating their properties. To qualify under this program, a property owner must own the property, reside in it, and have a household income that falls within applicable low-moderate income limits. Contact - Housing and Rehabilitation: 233-3624

Relocation/Replacement Housing Assistance Program - This program provides advisory , technical and financial assistance to owner-occupants and tenants residing in dwelling units whose rehabilitation is not feasible. Owner-occupants receive financial assistance for the demolition of their existing homes, and funding to rebuild a home on their lot or to purchase at a different location. Owners and tenants must be low-moderate income households in order to qualify. Contact: Housing and Rehabilitation: 561-233-3624

Revolving Business Loan Fund - The Revolving Loan Fund (RLF) provides business financing for eligible projects within Miami-Dade, Broward, and Monroe counties. This financing strategy makes general business development loans designed to meet the credit needs of businesses not entirely served by conventional lenders while at the same time encourages these lenders to complete project financing by allowing these funds to fill the gap.

State Road 7 Collaborative - THE STATE ROAD 7/ US 441 COLLABORATIVE IS A UNIQUE ORGANIZATION DEDICATED TO COORDINATING ITS RESOURCES TO PROMOTE ECONOMIC VITALITY THROUGH AESTHETIC IMPROVEMENTS, REDEVELOPMENT AND SAFETY.

The Alliance for the New Transportation Charter - The Alliance for the New Transportation Charter is a national network of organizations and individuals dedicated to using transportation as a tool to build livable, healthy, prosperous and just communities.

The Donors Forum of South Florida - The Donors Forum is a regional association of over 100 grantmakers formed to assist foundations and corporations active in grantmaking in South Florida. It offers professional support to grantmakers and general information about philanthropy to the public.

The Dwindling Middle Class in Miami-Dade? - The Collins Center's second salon, hosted by its founding Chairman Charles Zwick in Coral Gables on May 7, 2003, focused on the polarization between the haves and have nots in America's poorest city and the broader region beyond.

The John D. and Catherine T. MacArthur Foundation - A private independent grantmaking institution dedicated to helping groups and individuals foster lasting improvement in the human condition.

The Norman Foundation - The original capital of the Norman Foundation, Inc. was provided by the late Aaron E. Norman and has been augmented by his descendants. A New York Membership Corporation, its members and directors are the descendants of Aaron E. Norman. The Foundation's charter permits it to support virtually any activity recognized as charitable by federal and state law. Incorporated under the Not-For-Profit Corporation Law of the State of New York as the Norman Foundation, Inc. in 1970. This foundation has no connection to any other "Norman Foundations," located in other parts of the country.

USEPA Environmental Justice in Waste Programs - EPA defines Environmental Justice (EJ) as the "fair treatment for people of all races, cultures, and incomes, regarding the development of environmental laws, regulations, and policies." Over the last decade, attention to the impact of environmental pollution on particular segments of our society has been steadily growing. Concern that minority populations and/or low-income populations bear a disproportionate amount of adverse health and environmental effects, led President Clinton to issue Executive Order 12898 in 1994, focusing Federal agency attention on these issues. EPA responded by developing the Environmental Justice Strategy which focuses on the Agency's efforts in addressing these concerns.