Federal funding hub

Guiding you through federal programs and grants.
HUD Section 3 Program Guide
History

HUD Section 3 was developed to ensure that federal housing investments directly benefit low-income communities. Instead of funding projects that only improve infrastructure, the program requires that employment, training, and contracting opportunities created by HUD-funded developments go to local residents and businesses.

The program reflects a broader federal strategy to connect economic opportunity with public investment. Over time, Section 3 expanded into a workforce development tool that helps individuals gain skills, employment, and long-term career pathways through construction and community development projects.

Step-by-Step Walkthrough
Step 1: Identify HUD-Funded Projects
Search your local housing authority website or contact them directly. Look for construction, renovation, or development projects funded by HUD.
Step 2: Determine Your Eligibility
Confirm income eligibility (low-income status), residency (public housing or local area), or business qualifications if applying as a contractor.
Step 3: Complete Section 3 Certification
Fill out a Section 3 self-certification form through your local housing authority or contractor. This officially identifies you as a priority hire/vendor.
Step 4: Prepare Your Documents
Gather ID, proof of income, resume, certifications, or business licenses. Make sure everything is current and accurate.
Step 5: Apply for Opportunities
Apply directly with contractors working on HUD projects. Many do not publicly advertise, so networking is critical.
Step 6: Follow Up and Stay Active
Call or email weekly. Attend job fairs, workshops, and pre-bid meetings to increase visibility.
Pro Tip: Most people fail here because they only apply once. Section 3 success comes from consistent follow-up and relationship building.
USDA Rural Development Programs
History

USDA Rural Development programs were created to strengthen rural communities by addressing economic gaps, infrastructure limitations, and access to capital. These programs focus on housing, utilities, business development, and community facilities.

They have evolved into one of the largest federal support systems for rural America, helping fund broadband, water systems, housing, and economic growth initiatives.

Step-by-Step Walkthrough
Step 1: Confirm Rural Eligibility
Use USDA eligibility maps or contact your local USDA office to confirm your area qualifies.
Step 2: Select the Right Program
Choose between housing loans, business funding, or infrastructure programs based on your goal.
Step 3: Prepare Financial Documents
Include tax returns, credit reports, income verification, and business plans if applicable.
Step 4: Work with Approved Lenders or USDA Office
Many programs require working with USDA-approved lenders who guide the application process.
Step 5: Submit Application
Ensure all forms are complete and accurate to avoid delays.
Step 6: Underwriting & Review
Expect financial review, eligibility verification, and possible interviews.
Pro Tip: Strong credit and a clear financial plan significantly increase approval chances.
USDA Farming Programs
History

USDA farming programs were designed to stabilize agriculture, protect farmers from risk, and ensure national food security. Over time, these programs expanded to include conservation, sustainability, disaster assistance, and support for beginning farmers.

Today, they provide critical funding, insurance, and technical assistance to farmers at all levels.

Step-by-Step Walkthrough
Step 1: Register Your Farm
Visit your local USDA Farm Service Agency (FSA) office to establish a farm number.
Step 2: Identify Program Type
Choose between loans, conservation programs, disaster assistance, or crop insurance.
Step 3: Gather Farm Records
Prepare land records, production history, financial statements, and tax documents.
Step 4: Submit Application
Apply through your local USDA office or online systems where available.
Step 5: Compliance & Review
USDA may inspect land or review operations before approval.
Step 6: Program Participation
Follow reporting rules, maintain records, and meet conservation or production requirements.
Pro Tip: Build a relationship with your local USDA agent—they can unlock programs most people never hear about.
SBA Small Business Guide
History

The SBA was created to support small businesses through funding, training, and contracting opportunities. It plays a key role in economic growth by helping entrepreneurs access capital and resources.

Step-by-Step Walkthrough
Step 1: Define your business structure and goals
Step 2: Build a strong business plan
Step 3: Check eligibility and credit readiness
Step 4: Apply through SBA-approved lender
Step 5: Submit financials and documents
Step 6: Complete underwriting process
Pro Tip: Lenders care more about cash flow than ideas.
Federal Grants Guide
History

Federal grants were created to fund public initiatives, research, and community development. Over time, centralized systems like Grants.gov made access easier and more transparent.

Step-by-Step Walkthrough
Step 1: Register on Grants.gov
Step 2: Search for relevant funding opportunities
Step 3: Carefully read NOFO requirements
Step 4: Prepare proposal + budget
Step 5: Submit before deadline
Step 6: Monitor application status
Pro Tip: Most grants are lost due to missing details, not bad ideas.

Find the Best Program for You

1. What is your primary goal?
2. Where are you located?
3. Do you have an existing business or farm?

Nationwide HUD & USDA Eligibility Checker

HUD Income Chart

Very Low Low Moderate Above

USDA Farming Programs

Financial and Loan Programs (FSA)

Disaster Assistance Programs (FSA)

Conservation Programs (NRCS & FSA)

Specialty and Market Programs (AMS & RD)

HUD Section 3 Resource Center Current 2026

Program Evolution

Under the HUD Act of 1968, Section 3 requires that local economic opportunities go to low-income residents. In 2020, the Final Rule shifted reporting to "Total Labor Hours," encouraging sustainable careers over one-off hires.

Who Qualifies?

  • Individuals: Residents of public housing, Section 8, or those earning below 80% AMI.
  • Businesses: Companies 51% owned by low-income individuals or with high labor-hour percentages from Section 3 workers.
2026 Benchmarks: Requirements trigger at $300,000 for Housing (HCD) and $150,000 for Lead Control. Public Housing projects (PHAs) are always covered regardless of cost.

Frequently Asked Questions (FAQ)

Does Section 3 mean I have to hire someone unqualified? No. Recipients are only required to hire "to the greatest extent feasible." Workers must still meet the skills and requirements for the job.
What is a Section 3 Worker? A worker whose income for the previous year was below the HUD limit or who is a participant in a government-assisted housing program.
How do I prove my business is Section 3? You must Self-Certify on the HUD portal by providing ownership or labor hour documentation.
Is there a penalty for not meeting benchmarks? If benchmarks aren't met, you must provide qualitative documentation showing your outreach efforts (job fairs, training, etc.) to avoid compliance issues.
Can I use Section 3 for my own business? Yes, certified Section 3 businesses receive "contracting preference" when bidding on HUD-funded contracts.

How to Participate

  • Residents: Upload your resume to the Opportunity Portal.
  • Contractors: Track labor hours to meet the 25% Section 3 worker goal.

Glossary of Terms

  • AMI: Area Median Income (varies by county).
  • PHA: Public Housing Agency.
  • HCD: Housing & Community Development.
  • Labor Hours: The total number of hours worked by all people on a project.

Specific Inquiry?

Find Your Local HUD Office

Community Development Grant Portal

📢
CURRENT FUNDING ALERT: The USDA REDLG Quarterly Cycle is closing March 31, 2026. HUD Choice Neighborhoods applications are due March 9, 2026. Act now to secure your 2026 project funding!

🎯 Step 1: Find Your Best Match

Major Federal Grant Programs

  • HUD Community Development Block Grant (CDBG) Description: A flexible program that addresses unique community development needs, prioritizing housing and living environments for low and moderate-income persons.
    How to Use: Acquisition of property, rehabilitation of residential buildings, and construction of public facilities like community centers.
  • USDA Community Facilities Direct Loan & Grant Description: Affordable funding to develop essential services (health, safety, libraries) in rural areas with populations under 20,000.
    How to Use: Building fire stations, rural hospitals, schools, and town halls.
  • EPA Brownfields Cleanup & Assessment Grants Description: Funding to assess and clean up contaminated properties (abandoned industrial or commercial sites) to return them to productive use.
    How to Use: Environmental testing, soil remediation, and preparing land for parks or housing.
  • USDA Rural Economic Development (REDLG) Description: Zero-interest loans/grants for projects that create and retain jobs in rural areas, passed through local utility providers.
    How to Use: Start-up capital for rural businesses, medical facility upgrades, and job training centers.

📩 Step 2: Request Expert Consultation

Connect with Auchtoctones Assembly to review your project eligibility and 2026 application strategy.

Disaster Recovery Programs

Disaster

Support for crop/livestock losses including SDRP and LIP. Deadline: April 30, 2026.

Conservation Programs (CRP)

Environment

Includes General and Continuous CRP options for 2026.

Farm Loan Programs

Loans

Operating and ownership financing for new and existing farms.

Frequently Asked Questions

Contact your local USDA Service Center to establish a Farm and Tract number.
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