National Housing Trust Fund (NHTF)

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The National Housing Trust Fund (NHTF) is a federal program funded through the Department of Housing and Urban Development (HUD) established under Title I of the Housing and Economic Recovery Act of 2008, Section 1131 (Public Law 110-289), to complement existing federal, state and local efforts to increase and preserve affordable housing for extremely low-income (ELI) and very low-income (VLI) households, including homeless families.  When the total NHTF funds available are equal to or exceed $1 billion, the grantee must use at least 75 percent of its NHTF funds for the benefit of ELI families or families with incomes at or below the poverty line, whichever is greater. Any grant funds not used to serve ELI families must be used for the benefit of VLI households with incomes between 30% and 50% of the AMI. The Governor has designated the Georgia Housing Finance Authority to receive and administer the annual NHTF grant from HUD for the State of Georgia. The Georgia Housing Finance Authority is administered by the Georgia Department of Community Affairs.



  • The Georgia Housing and Finance Authority (GHFA) hereby notifies interested applicants of a Notice of Funding Availability (NOFA) for funds allocated from the National Housing Trust Fund (NHTF) program for the construction, preservation or acquisition/rehabilitation of multifamily rental properties. All NHTF units will be targeted for use by Extremely Low-Income (ELI) households (incomes at or below 30% of area median).

    GHFA will post program updates and Frequently Asked Questions to this site on a regular basis. Direct all inquiries to

    GHFA will accept applications to The Georgia Department of Community Affairs, 60 Executive Park South, NE, Atlanta, Georgia 30329. Applicants should label the file “NHTF NOFA” and save it to a flash drive.

    The application deadline and process requirements vary based on the other funding sources involved:

    1. Not using low-income housing tax credits (LIHTCs): submit the spreadsheet by December 15th; other documentation requirements will follow

    2. Submitted an application for LIHTCs in 2018 and changing sources: submit the spreadsheet by December 15th

    3. Newly applying for 4% LIHTCs and tax-exempt bonds: follow the normal process for those using HOME by March 7th (preliminary application), listing NHTF as a source instead; also submit the NHTF application scoring tab

    4. Applying for 9% LIHTCs in the 2019 competitive round: follow the QAP process for HOME loans (preliminary applications due March 7th); also submit the NHTF application scoring tab

    Note that developers/owners may not undertake choice-limiting actions after requesting NHTF funds. See the 2018 Qualified Allocation Plan for more specifics.