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
New Infill Homes for Sale
homes currently available through the Infill Housing Program
To qualify for this program,
the application must be submitted with written proof showing that the applicant(s)
meet the following requirements:
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
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:
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.
adults living in the home must provide evidence that they have attended an
approved home buyer training course
persons living in the home must provide evidence that they are legal
residence in the United States.
applicants cannot have received over $5,000 in CDBG or HOME assistance to
acquire or rehabilitate a property during the last 20 years.
applicants must submit a complete application and have it approved.
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
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.
applicant(s) shall have satisfactorily completed the 12 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
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.
applicant must submit a residential insurance binder, listing the city as
the second mortgage prior to closing.
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
Ph: (712) 256-6427
Home Buyer Course Registration: (402) 934-6743
shall not be based on race, color, national origin, sex, religion, familial
status or disability.