National Housing Trust Fund Program

The West Virginia Housing Development Fund administers the National Housing Trust Fund program (HTF), established under section 1338 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended (12 U.S.C. 4501 et seq.) (the Act).

In general, under the HTF program, HUD allocates funds by formula to eligible states to increase and preserve the supply of decent, safe, sanitary, and affordable housing, with primary attention to rental housing for extremely low-income and very low-income households, including homeless families.

Section 1337 of the Act requires a percentage of the unpaid principal balance of total new business for the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National Mortgage Association (Fannie Mae) (collectively, the government-sponsored enterprises or GSEs) to be set aside and allocated as a dedicated source of annual funding for the HTF, unless allocations are suspended by the Director of the Federal Housing Finance Agency, the agency that regulates the GSEs. These funds will be deposited into an HTF account established in the Treasury of the United States by the Secretary of the Treasury to carry out the HTF program. The Act also provides that the HTF may be funded with amounts appropriated, transferred, or credited to the HTF under other provisions of law.

In 2024, the Fund committed $355,000 of HTF funds to one affordable housing multifamily residential rental project. The one project contains 36 total units, and 4 of these units were HTF assisted.

For more information on the National Housing Trust Fund, please contact Cathy Colby.

2025 HOME & HTF Request for Proposals

2025 HOME & HTF Guidelines

HOME & HTF RFP 2025

2024 Annual Action Plan

PY2024 State Of West Virginia Annual Action Plan

2023 Consolidated Annual Performance and Evaluation Report

PY2023 State Of West Virginia CAPER

Build America, Buy America

BABA Policy (June 2025)
BABA Exhibit B Covered MaterialsBABA Exhibit C Self-CertificationBABA Exhibit D Pay App CertificationBABA Exhibit E Change Order Materials CertificationBABA Exhibit F Waiver Form

Section 3 Income Limits

Real Estate Acquisition and Relocation

HUD Exchange-Laws and Regulations

49 CFR 24 Uniform Relocation Assistance and Real Property Acquisition Policies ACT (Uniform ACT or URA)

Additional Information

HTF Program Regulations 

• 24 CFR 100.201- Fair Housing Act Definitions 
• 24 CFR 100.205 – Fair Housing Act Design & Construction Requirements
• 24 CFR 35 Lead Based Paint Poisoning Prevention in Certain Residential Structures
• HUD Exchange

Part of the West Virginia Housing Development Fund’s mission is to provide financing for affordable housing, including residential rental housing. To offer guidance and direction, we have put together a detailed manual to help developers understand our policies and procedures relating to portfolio diversification, related parties and eligible participants.

General Rehabilitation Specifications Manual (July 2016)

Multifamily Lending Policy January 2021

Underwriting and Subsidy Layering Guidelines (Revised 3/2020)