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 NHTF 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 encompasses all HUD Community Planning and Development Grants, including NHTF.
The Action Plan is submitted each year and describes how Commerce will use HUD formula funds to meet affordable housing and community development needs. It encompasses all HUD Community Planning and Development Grants, including NHTF. The current 2018 Action Plan can be reviewed in detail here.

Submit Your Comments

Commerce welcomes feedback and input at any time. If you have comments about the NHTF or questions about meetings, please contact Ann Campbell with the contact information provided below:

Email your comments to

Mail comments to:
National Housing Trust Fund Program
Department of Commerce
PO Box 42525
Olympia WA 98504-2525