National Housing Trust Fund Program

The U.S. Department of Housing and Urban Development (HUD) National Housing Trust Fund (NHTF) program complements existing federal, state and local efforts to build, preserve and rehabilitate affordable housing for families and individuals with the lowest incomes – those earning at or below 30 percent of the area median income (AMI). 

  • NHTF was created as part of the Housing and Economic Recovery Act of 2008 (HERA).
  • NHTF is a dedicated program, not subject to Congressional appropriations. 
    Funding for the NHTF comes from an assessment on loans made by Freddie Mac and Fannie Mae.
  • On January 30, 2015, HUD published an interim rule (FR-5246-I-03 and at 24 CFR Parts 91 and 93), which provided the guidelines for states to implement the NHTF program during the first year’s allocation.
  • HUD plans to issue the NHTF Final Rule after states have had experience administering the program and are able to offer comments regarding the initial implementation.

Another HUD program used to preserve and create affordable housing for low-income households is the HOME program. Learn more about HOME.

Washington's National Housing Trust Fund Program

The Department of Commerce (Commerce) administers the NHTF program in Washington State.

Funds are awarded to non-profit organizations, housing authorities, and local and tribal governments through the state Housing Trust Fund (HTF) application process.

Commerce’s NHTF program is governed by the Consolidated Plan and Action Plan

The Consolidated Plan is a five-year planning document required by HUD. The most recent plan is the 2015-2019 Consolidated Plan. It identifies current state NHTF-funded activities, which include preservation and development of low-income rental housing.

Every spring an annual Action Plan is developed to describe how the state will use the year’s annual allocation of HUD formula funds to meet affordable housing and community development needs. Action Plans are annual amendments to the five-year Consolidated Plan and encompasses all HUD programs, including NHTF. 

National Housing Trust Fund Handbooks

Two new handbooks are now available for the HOME and National Housing Trust Fund programs administered by the Department of Commerce.

Commerce, working together with a federal programs consulting specialist, created handbooks for the two federal programs. The handbooks clarify program and compliance requirements for both the HOME and National Housing Trust Fund programs.

Program Guidelines Handbook – provides insight on overall program intent, the application process, and financing terms.

Rental Management Handbook – provides detail on compliance and reporting requirements, including an expansion of Compliance and Asset Management for the programs.

State Seeking Input on Draft Action Plan for 2022 HUD Funds

The draft of the 2022 Action Plan is available here and is open to receive input during a 30-day public comment period. The public comment period is from April 19, 2022 until May 17, 2022, with a public hearing scheduled on May 10, 2022 (more information below). Proposed changes drafted in the 2022 Action Plan detail how HUD program funds will be allocated for the 2022 fiscal year. The 2022 Action Plan follows HUD’s template.

Opportunities to comment include:


When:              April 19, 2022 through May 17, 2022
How:                Send your comments via email to the contact listed below by 5pm, May 17, 2022.


When:                 Tuesday, May 10, 2022 at 10:00am
Call in option:    Dial +1 (253) 215-8782
Online option:

Meeting ID:     834 6521 1763
Passcode:       673672

This public hearing is accessible to persons with disabilities. To submit comments, request the documents in an alternate format, or arrange accommodations with at least one-week notice, please contact Jennifer Lane at or (360) 789-6127.