1,000+ Opportunities
Find the right grant
Search federal, foundation, and corporate grants with AI — or browse by agency, topic, and state.
This listing may be outdated. Verify details at the official source before applying.
Find similar grantsMortgage Insurance Homes for Disaster Victims is sponsored by Department of Housing And Urban Development. To help victims of a Presidentially-declared disaster whose home was destroyed undertake homeownership on a sound basis.
Get alerted about grants like this
Save a search for “Department of Housing And Urban Development” or related topics and get emailed when new opportunities appear.
Search similar grants →Extracted from the official opportunity page/RFP to help you evaluate fit faster.
[](https://www. hud. gov/program_offices/housing/sfh/ins/203h-dft) 2.
Mortgage Insurance for Disaster Victims Section 203(h) The Section 203(h) program allows the Federal Housing Administration (FHA) to insure mortgages made by qualified lenders to victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.
Through Section 203(h), the Federal Government helps victims in Presidentially designated disaster areas recover by making it easier for them to get mortgages and become homeowners or re-establish themselves as homeowners. This program provides mortgage insurance to protect lenders against the risk of default on mortgages to qualified disaster victims.
Individuals are eligible for this program if their homes are located in an area that was designated by the President as a disaster area and if their homes were destroyed or damaged to such an extent that reconstruction or replacement is necessary. Insured mortgages may be used to finance the purchase or reconstruction of a one-family home that will be the principal residence of the homeowner.
Like the basic FHA mortgage insurance program it resembles (Section 203(b) Mortgage Insurance for One to Four Family Homes), Section 203(h) offers features that make recovery from a disaster easier for homeowners: * No downpayment is required. The borrower is eligible for 100 percent financing.
Closing costs and prepaid expenses must be paid by the borrower in cash or paid through premium pricing or by the seller, subject to a 6 percent limitation on seller concessions. * FHA mortgage insurance is not free. Mortgagees collect from the borrowers an up-front insurance premium (which may be financed) at the time of purchase, as well as monthly premiums that are not financed, but instead are added to the regular mortgage payment.
* HUD sets limits on the amount that may be insured. To make sure that its programs serve low and moderate income people, FHA sets limits on the dollar value of the mortgage. The current FHA mortgage limit can be viewed online.
These figures vary over time and by place, depending on the cost of living and other factors (higher limits also exist for two to four family properties). **Eligible Participants:** FHA approved lending institutions, such as banks, mortgage companies, and savings and loan associations, are eligible for Section 203(h) insurance.
Anyone whose home has been destroyed or severely damaged in a Presidentially declared disaster area is eligible to apply for mortgage insurance under this program. The borrower's application for mortgage insurance must be submitted to the lender within one year of the President's declaration of the disaster.
Applications are made through an FHA approved lending institution, who make their requests through a provision known as "Direct Endorsement," which authorizes them to consider applications without submitting paperwork to HUD. Mortgage insurance processing and administration for this and other FHA single family mortgage insurance products are handled through HUD's Homeownership Centers.
This program is authorized under Section 203, National Housing Act (12 U.S.C. 1709, 1715(b)). Program regulations are in 24 CFR Part 203.
These regulations, as well as handbooks, notices, and letters relevant to this program, are available through HUDCLIPS. The program is administered by the Office of Single Family Housing in HUD's Office of Housing, Federal Housing Administration. **For More Information:** Contact the FHA Resource Center.
Homeowners can also visit HUD's website for a searchable listing of approved FHA lendersnationwide. Homeowners are encouraged to also contact a HUD-approved housing counseling agency, for assistance with disaster related issues or call toll-free at: (800) 569-4287. * 203(h) Program Consumer Fact Sheet * Disaster Loss Mitigation Fact Sheet for Loan Servicers * Flood or Hazard Insurance Proceeds Fact Sheet for Loan Servicers
According to the current listing, eligibility includes: Anyone whose home was destroyed or damaged to the extent that it needs to be rebuilt as a result of a Presidentially Decalared Major Disaster is eligible to apply. Eligible applicant types include: Individual/Family. Confirm the full requirements in the official notice before applying.
Yes — Mortgage Insurance Homes for Disaster Victims is offered by Department of Housing And Urban Development and this listing comes from SAM.gov, an official U.S. federal source. Federal applications generally require registrations (for example SAM.gov or an agency submission portal), so allow extra lead time.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
Past winners and funding trends for this program
The Continuum of Care (CoC) Program (CFDA 14.267) is the largest federal program dedicated to ending homelessness in the United States, distributing approximately $3 billion annually to local communities. Administered by the U.S. Department of Housing and Urban Development (HUD), the CoC Program funds a wide range of housing and supportive service interventions for individuals and families experiencing homelessness, including those fleeing domestic violence. The CoC Program supports several project types: permanent supportive housing (PSH), which combines long-term housing with wraparound supportive services for chronically homeless individuals; rapid re-housing (RRH), which provides short-term rental assistance to quickly move people out of homelessness; transitional housing (TH) for populations that benefit from structured, time-limited residential programs; supportive services only (SSO) projects that connect people with housing search, case management, and employment services; and Homeless Management Information Systems (HMIS), the data infrastructure that tracks homelessness across communities. A Continuum of Care is a local or regional planning body that coordinates housing and service funding for homeless families and individuals. There are approximately 400 CoCs across the country, each responsible for developing a coordinated community plan to address homelessness. Each CoC designates a single Collaborative Applicant — typically a local government, planning commission, or nonprofit — to submit the consolidated application to HUD on behalf of all project applicants within the CoC geography. The annual CoC Program Competition is one of the most significant federal grant competitions. HUD scores applications based on system performance measures including the rate of exits to permanent housing, returns to homelessness, length of time homeless, and the community's progress toward reducing overall homelessness. Communities must demonstrate coordinated entry systems, strategic use of Housing First approaches, and efforts to reduce unsheltered homelessness. New project applications compete against renewal projects, and HUD uses a tiered funding structure that protects renewal funding while creating a competitive process for new and reallocated projects. The Notice of Funding Opportunity (NOFO) is typically published in late spring with applications due in late summer or early fall.
Comprehensive Housing Counseling and Housing Counseling Training NOFO (Minority Serving Institution Initiative) is a grant from the U.S. Department of Housing and Urban Development that funds HUD-approved housing counseling agencies partnering with Historically Black Colleges and Universities, Tribal Colleges and Universities, and other Minority Serving Institutions. The program supports counseling and advice for tenants and homeowners on property maintenance, financial management, and related topics, with emphasis on serving underrepresented communities. Funded agencies also receive training funds to build capacity at minority-serving institutions. The application deadline is May 26, 2026.
CDBG, HOME, HOPWA, Choice Neighborhoods, and the Continuum of Care — all proposed for elimination. Work requirements for voucher holders. A 60-month time limit on assistance. The definitive analysis for housing organizations navigating the most aggressive HUD budget in history.
Read articleHUD tried to slash permanent supportive housing funding from 90% to 30% of Continuum of Care grants. Federal courts in Rhode Island and the First Circuit stopped it. What the ruling means for housing-first policy, communities across 21 states, and organizations that depend on CoC funding.
Read articleHUD announced the FY25 Rural Capacity Building NOFO on May 18, 2026 with a July 6 deadline. Section 4 has three statutory intermediaries — Enterprise, LISC, and Habitat. RCB is a different door, and most rural housing nonprofits are misreading which one they qualify for.
Read article