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Affordable Housing Program

Are you seeking to buy or rent housing, or rehabilitate your existing home?

Are you a developer, nonprofit organization, local government or housing authority searching for technical assistance and/or financing for affordable housing projects or programs?

Are you currently administering a Nebraska Affordable Housing Program grant?
Are you seeking to buy or rent housing, or rehabilitate your existing home?

DED’s Nebraska Affordable Housing Program (NAHP) helps fund nonprofit organizations, housing authorities and local governments, which in turn, assist people with housing needs by offering affordable rental housing, homebuyer assistance, and rehabilitation funding for owner-occupied houses.

Jump to:
  • Annual Action Plan
    The Annual Action Plan updates the five-year Nebraska Housing and Community Development Consolidated Plan that addresses the state's housing and community development priorities and strategies; describes how to meet the strategies/objectives; explains how Community Development Block Grant, HOME, ESGP, HSATF, and Housing Trust Fund monies are distributed; identifies other resources; explains how HUD requirements are met; and reviews citizens’ comments.
  • Application Guidelines
    Application guidelines include instructions, forms, and rules for applying for NAHP funds. After reviewing the housing section of the Annual Action Plan, the next step is to contact a Housing Specialist, then complete and submit the appropriate application. If interested in specific Nebraska Affordable Housing application guidelines


Contact a NAHP Housing Specialist in your area to for help in locating the organization best suited to meet your housing needs.

Map and Housing Specialist Contact Info

Additional Resources:

The Nebraska Affordable Housing Program provides grants to nonprofits, local governments, and public housing authorities to:
  1. build new rental units for low to moderate income persons
  2. adapt old buildings from use as schools, hotels, etc., to rental housing
  3. rehabilitate existing rental properties owned by nonprofit or public housing authorities to meet local building codes and the Nebraska Department of Economic Development’s rehabilitation standards
  4. administer homebuyer assistance programs
  5. develop new single-family housing (including infrastructure) for homeowners
  6. purchase homes, rehabilitate to meet local building codes and Nebraska Department of Economic Development’s rehabilitation standards, and provide down-payment assistance to new homebuyers to purchase the homes
  7. administer programs that help homeowners rehabilitate their houses
  8. increase nonprofit organizations’ capacity to develop affordable housing
What is the Nebraska Affordable Housing Trust Fund?
The Nebraska Affordable Housing Act ( LB1322), which created the Nebraska Affordable Housing Trust Fund, was adopted by the Legislature and signed into law by Governor Nelson on April 17, 1996. The Act noted that the lack of affordable housing in Nebraska affects the ability of communities to maintain and develop viable and stable economies.

LB 864 and 864A, adopted in 1997, will provide $24 million in funding over the next six years. It is a dedicated source of income used to help low income households attain affordable housing in the private housing market. This Trust Fund will provide a flexible, predictable, and dependable stream of financial resources to local communities. These resources will be used to address local housing priorities which may include ownership and rental housing (both new construction and rehabilitation); provide assistance to make infrastructure improvements to raw land for home building; and to help first-time homebuyers afford their first house.

No one disputes the fact that all individuals deserve safe, sanitary and decent housing. By taking actions to ensure that affordability becomes part of that tenet, Nebraska can continue to maintain its high employment rate, ensure continued economic growth, and sustain the quality of life and healthy environment that gives it "the edge" over other states in attracting new and expanding businesses and opportunities for economic growth.
Why is the Affordable Housing Trust Fund Necessary?
Nebraska currently has a lack of available housing to buy and/or rent, and a lack of affordable housing. Availability issues are seen in both rural and urban parts of the state and limit housing choices, especially for persons with low and very-low incomes.

Continued business recruitment and business expansion will be affected by a lack of housing for new workers. Factors that contribute to the lack of available housing in Nebraska are:

  • Nebraska's housing stock is aging and deteriorating. 29 percent of housing units statewide are 58 years or older.
  • Between 1980 and 1990 census data shows that population and job growth, particularly in rural areas, increased by 86,165 persons, a 5.8 percent increase in population. This trend is expected to continue through the year 2000.
  • Nebraska has a shortage of builders, contractors and laborers, compounded by a lack of workers trained and being trained in construction trades, especially in rural areas. Preliminary information from research conducted by the Department of Economic Development confirms these observations.
  • The region has overall low vacancy rates. A study of 21 Midwestern communities with populations between 1,000 and 2,500 indicates that while vacancy rates are generally within acceptable ranges for rental and owner-occupied units, that fewer actual units are on the market at any given time, e.g. a community with 100 houses and 5 percent vacancy would have 5 houses available to rent or buy.
  • Nebraska has an estimated need for more than 34,860 additional housing units between 1995 and 2000.
  • The State will have an estimated population increase of 23,184 households and 58,888 persons from 1995 to 2000 (5,290 owner-occupied and 17,894 renter occupied units will be required).
  • A shortage of buildable lots, lots with infrastructure in place and/or vacant land that can be developed for housing, is being experienced by many Nebraska communities.
The Nebraska Affordable Housing Trust Fund will assist in addressing many of these issues. Due to ever declining federal resources, a State commitment to address the needs of affordable housing is required. A well coordinated and funded Trust Fund will provide the impetus for increased capacity building at the local level which will increase the production of affordable housing. The resources provided through a Trust Fund will enable us to continue Nebraska's economic growth. Affordable housing is a recognized and needed tool in the expansion of existing businesses and attracting new businesses. An adequate supply of affordable housing is required to preserve families, maintain our accepted quality of life and foster economic self-sufficiency.
Economic Impact of Affordable Housing Trust Fund
Economic growth is dependent upon the creation of housing. Housing construction creates jobs, wages, and tax revenues that stimulate the economy. Rehabilitation of deteriorated properties enhances property values and serves as a catalyst for other neighborhood and community improvements. The availability of affordable housing is a factor in business decisions about where to locate or expand; therefore, the lack of affordable housing is an impediment to economic growth.

Assuming $10 million in funding each year leveraged to $50 million at $50,000 per unit, 1,000 units will be established. Based upon industry estimates provided by the Nebraska Homebuilders Association, 1,000 units of newly constructed single-family units will generate:

  • Wages paid for on-site and material labor equivalent to 2,333 worker years with over $1,250,000 paid in state income tax revenue.
  • $2,500,000 in sales tax revenue for material sales.
  • $2,500,000 in property tax revenue annually.
  • The following can be expected with a fully-funded, institutionalized trust fund:
  • Jobs will be created, wages will be paid, and, income, sales and property tax will generate in the first year an estimated $6.25 million in tax revenue (based upon the annual construction of 1,000 new housing units).
  • Jobs, wages and taxes, which are the crux of healthy, thriving communities, will be generated because of increased housing production. Local revenues, essential to provide public services such as police, fire, and schools will be sustained, avoiding cuts in services, a loss of jobs and a diminished quality of life.
  • Communities will receive assistance from the state to preserve valuable investments in housing stock through the rehabilitation of existing structures.
  • An increase in the supply of affordable housing will improve our ability to implement welfare reform strategies, making it possible to successfully and efficiently deliver related supportive service programs such as job training, social services and healthcare.
  • Decreased housing costs will increase the disposable income of lower-income households and leave more dollars for critical needs such as food, clothing, healthcare, and utilities.
  • Community and economic development efforts in cities and villages throughout the state will be enhanced since there will be an increase in affordable housing units.
  • The resources of an Affordable Housing Trust Fund will act to narrow the gap between the cost of construction of a new home and its value upon completion, positively impacting local housing markets and acting as an incentive for new construction.
Through passage of the Nebraska Affordable Housing Act, the Governor and Legislature have recognized the importance of providing affordable housing for continued economic growth and quality of life in Nebraska.
Regional Fund
Geographically Based Distribution System
  • Defined Regions
  • Population Based
  • Community Based
Utilizes Boundaries Established for Nebraska Planning and Development Regions Created Under L.B. 573 in 1992 and Includes the Native American Tribes

Model Energizes Communities to Consider Housing Needs on a Regional Basis and is Intended to Build Local/Regional Capacity to Identify and Address Housing Issues:
  • Budgetary Year Breakdown
  • Regional Allocations
  • Regional Funding Plan Map
Eligible Activities
  • Rehabilitation of Existing Housing
  • Homeownership Opportunity Program using existing housing
  • Housing Development, including related infrastructure assistance, new construction of single or multi-family units, or conversion of a building into housing.
  • Technical Assistance, Design and Financial Services and Consultation for Eligible Nonprofit Community or Neighborhood Based Organizations Involved in the Creation of Affordable Housing.
  • Operating Cost Assistance (50% of total operating cost, not to exceed $25,000)
Eligible Recipients
  • Community Based/Neighborhood Based Organization.
  • Governmental Subdivision
  • Local/Regional Housing Authority
  • Community Action Agency
  • Reservation-based nonprofit organization.
  • For-profit entities working in conjunction with one of the above applicants.

  • All beneficiaries of housing funds must be low to moderate income. The NAHP does not assist individuals directly.
  • The NAHP application process is outlined yearly in the Housing and Community Development Annual Action Plan.
  • NAHP applications must be specific to a project’s location or serve persons with special needs. Application Guidelines
  • Anyone working on a possible NAHP project is strongly encouraged to contact a housing team member to discuss and review before submitting their application.
  • Other housing activity resources in Nebraska include loans, grants and assistance to individuals. Many resources are outlined in the Affordable Housing Resource Programs Inventory .

Are you currently administering a Nebraska Affordable Housing Program grant?

Do you have a housing question that you were not able to find the answer to? Contact one of our talented housing staff here

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