Housing Trust Fund

The Housing Trust Fund (HTF) is a unique federal program authorized by the Housing and Economic Recovery Act of 2008 (HERA) to increase and preserve the supply of housing for people with the lowest incomes, including families experiencing homelessness. HTF is not subject to appropriations; instead, HERA requires Fannie Mae and Freddie Mac (the GSEs) to transfer a modest percentage of their new business to finance the Housing Trust Fund. Advocating for HTF, including a dedicated, sustainable funding source for HTF, is one of NCSHA’s Legislative Priorities.


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