HUD 223(f) Loan Insurance for Purchase/Refinance: Federal Support for Housing, Lending, or Energy Assistance

The HUD 223(f) Loan Insurance for Purchase/Refinance provides unique opportunities for individuals, families, developers, and institutions to access funding, assistance, or guarantees for housing and infrastructure. Backed by federal entities such as HUD, Fannie Mae, Freddie Mac, DOE, or FHLB, this program addresses specific needs such as affordability, accessibility, energy efficiency, or disaster recovery.

The HUD 223(f) Loan Insurance for Purchase/Refinance is structured to meet targeted goals and includes eligibility requirements, funding limits, and strategic support depending on the program’s mission and agency.

• Must meet program-specific requirements (e.g., income, veteran status, tribal affiliation)

• Property must meet standards if housing-related

• Compliance with federal and local guidelines

• Must submit required documentation and applications

• Some programs target developers, lenders, or institutions

• Expands access to housing and financial services

• Grants, low-interest loans, or guarantees available

• Designed for both individuals and organizations

• Promotes equity, sustainability, and community stability

• Supports renovation, refinancing, and energy upgrades

1. Identify the appropriate agency or partner offering the program

2. Review all eligibility and documentation requirements

3. Submit an online or paper application with supporting documents

4. Underwriting or evaluation by agency

5. Receive funds, support, or program benefit upon approval