The Affordable  Housing Department (AHD) administers federal funds (HOME & CDBG) received from the U. S. Department of Housing and Urban Development (HUD) along with other funds such as American Rescue Plan Act (ARPA)/State & Local Fiscal Recovery Funds (SLFRF) funds from the U. S. Treasury, City funds, and Capital Improvement Funds (CIP) to develop safe, quality, affordable housing, provide downpayment assistance to homebuyers, provide funding to prevent homelessness, and administer funds to assist with the prevention of foreclosures and evictions. Each Office administers three or more programs.

Affordable Housing Department is comprised of the following Offices:

• The Office of Affordable Homeownership and Rental Development
• The Office of Down Payment Assistance
• The Office of HOME-American Rescue Plan (ARP)
• The Office of Nonprofit Housing

Goals

• Provide safe, quality, affordable housing for low-to-moderate income families/individuals.
• Revitalize and stabilize targeted areas with infill housing and/or rehabilitated housing.
• Ensure housing developers follow the federal regulations and program guidelines.
• Expand the capacity of housing developers by providing technical assistance.
• Offer financial assistance to Memphis citizens to assist with meeting the financial requirements of purchasing a home.
• Encourage collaborations/partnerships to leverage funds.
• Generate revenue for the City of Memphis, Shelby County, and Memphis Light Gas and Water.

The OFFICE of AFFORDABLE HOMEOWNERSHIP & RENTAL DEVELOPMENT (AHRD) provides incentives and partner with housing developers to create affordable housing through new construction or rehabilitation and administers the following programs: 

• Affordable Home Build Program– administers funds to for-profit and nonprofit housing developers to develop safe, quality, affordable single-family homes for homeownership. 
• Affordable Rental Development Program – administers funds to nonprofit housing developers to develop safe, quality, affordable housing for rent.  
• Memphis Affordable Housing Trust Fund (MAHTF) –  administers funds to nonprofit housing developers and for-profit housing developers who is partnering with a nonprofit organization to rehabilitate vacant single-family homes, repair owner-occupied single-family homes, rehabilitate vacant multifamily housing

  units for rent or construct vacant multifamily housing units for rent.      

  The Office of Affordable Homeownership and Rental Development has administered funds for projects such as Mason on the 4th, Foote Park at South City, University Place, Renaissance at Steele, Aprilwoods East, Aprilwoods West, and other numerous affordable housing developments throughout the City of Memphis.  

   

  The OFFICE of DOWN PAYMENT ASSISTANCE (DPA)  provides funds to help meet the down payment and closing cost requirements needed to complete the closing of a new or existing home. All properties must be located within Memphis city limits or designated areas per program guidelines. DPA has provided down payment assistance to numerous families/individuals to purchase homes.  The following programs are available under DPA: 

  • Citywide DPA:
    
    Citywide DPA– maximum income limit is 80% area median income, and may purchase anywhere in the city limits.
    Memphis Housing Authority DPA– current or recently displaced MHA residents, the maximum income limit is 80% area median income, may purchase anywhere in the city limits. 
  • Homebuyer Incentive Programs:Homebuyer Program Incentive Citizens (HIPC)– Maximum income limit is 200% area median income; must purchase within 15 designated areas  within the city!
  • Homebuyer Program Incentive Police (HIPP)– Must be a uniformed officer with City of Memphis Police Department for a minimum of one year, no income limit, may purchase anywhere in the city limits.
  • Homebuyer Program Incentive Firemen (HIPF)– Must be a front-line firefighter with the City of Memphis Fire Department for a minimum of one year, no income limit, may purchase anywhere in the city limits.
  • Homebuyer Incentive Program Memphis Shelby County Schools (MSCS)– Must be a full-time Memphis Shelby County School Employee for a minimum of two years, no income limit, may purchase anywhere in the city limits.
  • Covid Housing Assistance Program (CHAP) – administer funds to a nonprofit organization to provide to families/individuals to prevent foreclosures and evictions in the city of Memphis.  

   

  The OFFICE of HOME- American Rescue Plan (ARP) assists individuals or households who are homeless, at risk of homelessness, and other vulnerable populations which is defined as Qualifying Populations (QP) by partnering with nonprofit organizations to provide supportive services, rental housing, and non-congregate shelters to reduce homelessness and increase housing stability across the country. HOME-ARP administers the following programs:

  • Supportive Services – administer funds to nonprofit organizations to provide a broad range of supportive services to families/individuals who meet one of the qualifying populations. Supportive services may be provided to families/individuals who are not already receiving the services through another program.
  • Affordable Rental Housing Assistance – administer funds to acquire, construct, and rehabilitate rental housing for occupancy by families/individuals who meet one of the Qualifying Populations. HOME-ARP rental housing may include single family or multifamily housing, transitional or permanent housing, group homes, and single room occupancy (SRO) units.
  • Non-Congregate Shelters– administer funds to acquire and develop non-congregate shelter for families/individuals who meet one of the Qualifying Populations. Non-Congregate Shelters provide private units or rooms as temporary shelter to families/individuals and do not require occupants to sign a lease or occupancy agreement. This activity may include the construction of new structures or the acquisition and/or rehabilitation of existing structures.
  • Nonprofit Operating and Capacity Building Assistance – administer funds to pay eligible costs related to developing the capacity of eligible nonprofit organizations to successfully carry out HOME-ARP eligible activities; however, operating costs must not have a particular final cost objective, such as a project or activity, or must not be directly assignable to a HOME-ARP activity or project.

   

  The OFFICE of NONPROFIT HOUSING (NPH) administers the Community Housing Development Organization (CHDO) Program, the American Rescue Plan Act (ARPA)/ State & Local Fiscal Recovery Funds (SLFRF) Program, and in partnership with Shelby County Housing to develop safe, quality, and affordable housing. 

  • American Rescue Plan Act (ARPA)/Coronavirus State and Local Federal Recovery Funds (SLFRF)Program– administer funds to nonprofit housing development organizations to build safe, quality, affordable housing for impacted and/or disproportionately impacted communities. This program is intended to provide support to State, territorial, local, and Tribal governments in response to the economic and public health impacts of COVID-19.
  • Community Housing Development Organization (CHDO) Program– administer HOME set-aside funds to Community Housing Development Organizations (CHDOs) whose primary purpose is to provide and develop affordable housing for the community it serves.  Designated CHDOs receive certification from the City of Memphis indicating they meet certain HOME Program requirements and are eligible for HOME funding.  Funding for designated CHDOs can be used for acquisition, rehabilitation, and/or new construction of rental, lease-purchase, and/or homebuyer properties for low-to-moderate income families/individuals. 
  • Shelby County Government – partner with Shelby County Housing to provide safe, quality, affordable housing for low-moderate income families/individuals within the city of Memphis.