Lending

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  • 540 New Park

We Work To

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    Deliver High Impact Capital

    We invest where traditional capital isn't available to preserve and develop affordable housing.

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    Accelerate Innovative Housing Solutions

    We work with our borrowers to find creative financing structures to meet their needs.

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    Center Racial Equity

    We prioritize projects that promote racial equity by supporting BIPOC developers, shared-equity housing, and resident ownership models.

Preserving and developing affordable housing requires creative capital that isn't always available from traditional lenders. To bridge this gap and ensure that projects move forward, we're often a project's first investor, providing the initial funds to make a project possible. We do this critical work through two loan affiliates: the National Housing Trust Community Development Fund (NHTCDF) and the Institute for Community Economics (ICE). If you're interested in helping us increase our lending to expand affordable housing, let's talk.

Our Lending Impact

  • 21,000+ Affordable Units Created or Preserved
  • Since Inception $163 Million Closed
  • $2.5 Billion Public and Private Financing Leveraged

See Our Full Impact  

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Tenant Ownership

We provide Earnest Money Deposit loans to Tenant Associations going through the TOPA process in Washington, DC.

DC Metro

Transit & Preservation

We are deploying a $12 million fund to provide catalytic early-stage capital to preserve affordable housing near planned Purple Line transit stops.

AHOF

Nationwide Partnerships for Local Impact

NHT is partnering with the Amazon Housing Equity Fund and Grounded Solutions Network to pilot a program that supports affordable homeownership in Amazon's hometown regions. 

How We Do It

Local Focus

In the DC Metro Area, NHT is a full-service lender that supports the development and preservation of affordable housing where we work and live. To provide financing that preserves affordable housing and prevents displacement, we partner with local governments, community-based organizations, and tenant rights advocates to ensure our funding best meets community needs.

National Reach

We also offer a variety of affordable housing "but-for" loan products for mission-focused owners, developers, community land trusts, and cooperatives nationwide. We support borrowers who could not achieve their goals without our creative, flexible, and patient capital.

Amazon Homeownership Initiative

NHT is partnering with the Amazon Housing Equity Fund and Grounded Solutions Network to pilot a program that supports affordable homeownership through $40 million in grants and loans for organizational and project level support. NHT aims to create and preserve approximately 800 homeownership opportunities for households earning at or below 120% of the area median income.

Learn More

Our Loan Products

Pre-Development

Loans to cover pre-development and project syndication preparation.

Acquisition

Loans for affordable housing developers looking to complete an acquisition for an asset but lack liquid capital.

Bridge and Interim Development

Loans that help get a developer from point A to B by leveraging the equity in a property they already own.

Green Retrofit Preservation

Loans offered to multi-family property owners to improve operations through property improvements that reduce energy and water consumption.

Affordable Housing Opportunity Fund

Loans for acquiring and preserving affordable housing in Montgomery County, Maryland.

Community Land Trust

Providing acquisition loans to help Community Land Trusts expand and foreclosure prevention loans that help CLTs stabilize troubled properties on their land.

D.C. TOPA

The TOPA Earnest Money Deposit Loan provides D.C. tenant associations affordable and risk-free capital to cover the critical first step of the tenant purchase process.

Interested in a Loan?

We lend to institutions preserving and developing affordable housing.*

*Please note: loans offered are not personal loans.

Submit Loan Inquiry

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In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employement Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to: crcomplaints@treasury.gov.