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Infill Housing Program
Home »  Infill Housing Program

The Infill Housing Program is designed to help first time home buyers become owners of a newly constructed single family home in Council Bluffs. This is done by providing qualified applicants with down payment assistance grants up to $20,000. The assistance funds come from HUD as Community Development Block Grant (CDBG) and/or Home Investment Partnership (HOME) funds and are combined with private resources to specifically assist low to moderate-income families. This program is administered by NeighborWorks Home Solutions (NWHS), a nonprofit organization, with financial and technical assistance provided by the City of Council Bluffs. 


New Infill Homes for Sale 

The following are homes currently available through the Infill Housing Program: 


Council Bluffs, IA Address  





1809 4th Avenue  


Jennifer Cook  

(402) 290-9112  

In Construction  

2223 Avenue F  


Jennifer Cook  

(402) 290-9112  

In Construction  

2409 7th Avenue  


Jennifer Cook  

(402) 290-9112  

In Construction  

2416 S 19th Street  


Cherie Scott  

(712) 256-6427  

In Construction/Sale Pending  

*$20,000 - $30,000 Down Payment Grants (Subtract $20,000 from the listed sales price for your mortgage amount)


Download PDF of these homes for sale through the Infill Housing Program  


Applicant Eligibility 

To qualify for this program, the application must be submitted with written proof showing that the applicant(s) meet the following requirements:  


  1. The applicants must be first-time home buyers which means they cannot have owned a home in the last 3 years or have any interest in residential property other than the home to be purchased under the Housing Infill Program.

  2. The applicants must meet HUD guidelines for their household being low to moderate income. The annual gross household income cannot exceed the HUD established maximums as follows:


Household Size & Maximum Annual Gross Income 


















NOTE: A Household includes all persons of any age and relationship who will live permanently or temporarily during the first twelve months of ownership.


  1. All adults living in the home must provide evidence that they have attended an approved home buyer training course

  2. All persons living in the home must provide evidence that they are legal residence in the United States.

  3. The applicants cannot have received over $5,000 in CDBG or HOME assistance to acquire or rehabilitate a property during the last 20 years.

  4. The applicants must submit a complete application and have it approved.


Application Procedures 

  1. Application forms can only be obtained from NWHS. Applicants must first contact the NWHS office for a phone interview to identify any special applicant circumstances and to ensure the applicants are made aware of any program changes

  2. The applicant(s) must show they qualify for first mortgage financing and be able to pay for normal closing costs for the selected property. A mortgage pre-approval letter from an acceptable lending institution is required for referral to Infill builders or to be placed on the builder waiting list.

  3. The applicant(s) shall have satisfactorily completed the 8 hour Pre-Purchase Home Buyer Workshop offered by the Family Housing Advisory Services, Inc. (FHAS) and have received a Certificate of Achievement. The workshop is free; however, a nominal $25.00 fee is assessed for materials. Applicants should call FHAS to register for the course. Certificate is required for approval of the down payment assistance grant. While the course can be taken any time, it is recommended that applicants take the course as soon as possible.

  4. The maximum amount of financial assistance to be provided shall be $20,000. The grants are forgiven over a 10 year period. Any portion of the grant which is not forgiven must be repaid within 10 years of the sale/closing date. Repayment of the grant is required if: title to ownership and/or any other interest in the property is sold and/or transferred to another party; a party, other than the purchaser and their immediate family, rents, leases, and/or occupies the property; occupancy of the property is abandoned for a period of 60 consecutive days; or a violation of the terms and conditions of the Housing Infill Program is committed.

  5. The applicant must submit a residential insurance binder, listing the city as the second mortgage prior to closing.


False information provided on the application is grounds to deny or revoke the Infill grant and enforce federal, state and local penalties including prosecution for fraud, fines and imprisonment. 


Any person aggrieved in the determination of income may appeal in writing to the Director of Community Development. Upon receipt of an appeal, the Director shall make a decision to approve or deny the appeal within fourteen (14) days. 


Download a PDF version of these Infill Housing Program Guidelines  



Questions? Contact us! 

NeighborWorks Home Solutions  

Ph: (712) 256-6427 

Fx: (402) 451-2595 


FHAS Home Buyer Course Registration: (402) 934-6743 


Eligibility shall not be based on race, color, national origin, sex, religion, familial status or disability. 



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