Comprehensive Housing Counseling (CHC) and the Housing Counseling Training (HCT) NOFO (FY2025)

CHC and HCT FY25_FOA_Content_FR-6900-N-33_FINAL.pdf

U.S. Department of Housing
and Urban Development
Comprehensive Housing Counseling (CHC)
and the Housing Counseling Training (HCT)
NOFO (FY2025)
FR-6900-N-33
Applications are due by 11:59 PM Eastern Time on 05/26/2026.
Office of Housing

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TABLE OF CONTENTS
I. BASIC INFORMATION ..........................................5 DEADLINES ............................................................54
A. Summary ...............................................................5 A. Deadlines ............................................................54
B. Agency Contact(s) ................................................8 B. Submission Methods ...........................................54
II. ELIGIBILITY ........................................................10 C. Other Submissions .............................................55
A. Eligible Applicants ...............................................10 D. False Statements ................................................55
B. Cost Sharing or Matching ...................................13 VII. POST-AWARD REQUIREMENTS AND
III. PROGRAM DESCRIPTION ...............................15 ADMINISTRATION .................................................58
A. Purpose ...............................................................15 A. Administrative, National and Departmental Policy
B. Goals and Objectives ..........................................15 Requirements, and General Terms and Conditions
C. Authority ..............................................................16 ............................................................................58
D. Unallowable Costs ..............................................16 B. Environmental Requirements .............................60
E. Indirect Costs ......................................................16 C. Remedies for Noncompliance ............................60
F. Program History ..................................................16 D. Reporting ............................................................61
G. Other Information ................................................17 VIII. CONTACT AND SUPPORT ............................66
IV. APPLICATION CONTENTS AND FORMAT .....19 A. Agency Contact ...................................................66
A. Standard Forms, Assurances, and Certifications 19 B. Grants.gov ..........................................................66
B. Budget .................................................................20 C. SAM.gov .............................................................66
C. Narratives and Other Attachments .....................21 D. Debriefing ...........................................................66
D. Other Application Content ..................................23 E. Applicant Experience Survey ..............................67
V. APPLICATION REVIEW INFORMATION ..........25 F. Other Online Resources ......................................67
A. Threshold Review ...............................................25 APPENDIX ..............................................................69
B. Merit Review .......................................................25 Appendix I. Definitions ............................................69
C. Risk Review ........................................................45
D. Selection Process ...............................................46
E. Award Notices .....................................................51
VI. SUBMISSION REQUIREMENTS AND
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BEFORE YOU BEGIN
If you believe you are a good candidate for this funding opportunity, register in the
appropriate systems now and review the application package. If you are already registered,
make sure your registration is active and up-to-date.
SAM.gov Registration
You must have an active and up-to-date account with SAM.gov, at the time of application and
throughout the life of any award.
To register, go to SAM.gov Entity Registration and click Get Started. From the same page,
you can also click on the Entity Registration Checklist for the information you will need to
register.
It can take several weeks to register in SAM.gov, so please get started now if you are
planning to apply. SAM.gov also provides each organization with a unique entity identifier
(UEI). A valid UEI is required to apply for funding.
Grants.gov Registration
You must have an active Grants.gov registration. This requires a Login.gov registration as
well. See step-by-step instructions at the Grants .gov Quick Start Guide for Applicants. You
must apply for funding using Grants.gov, unless HUD has approved your waiver request.
See Section VI.B. Submission Methods.
Find the Application Package
Use the Grants Search at Grants.gov and search for opportunity number FR-6900-N-33 . The
application package has all the online forms you need to apply. You also need to access the
Download Instructions link and review the content before you apply.
If you have other technical difficulties using Grants.gov, access the Support Center on
Grants.gov for assistance.
To get updates on changes to this notice of funding opportunity (NOFO), click Subscribe from
the View Grant Opportunity page for this NOFO on Grants.gov.
Application Deadline
Applications are due by 11:59 PM Eastern Time on 05/26/2026.
HUD Listserv
If you are interested in email notices about upcoming funding opportunities, subscribe to HUD’s Funding
Opportunities listserv.
Note: To help you find what you need, this NOFO uses internal links. In Adobe Reader, you can go back to
where you were by pressing Alt + Left Arrow (Windows) or Command + Left Arrow (Mac) on your keyboard.
Before You Begin FR-6900-N-33 Page 3 of 89

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I. Basic II. Eligibility III. Program IV. Application V. Application VI. Submission VII. Post-Award VIII. Contact and Appendix
Information Description Contents and Review Requirements and Requirements and Support
Format Information Deadlines Administration
I. BASIC INFORMATION
I. Basic Information
A. Summary
B. Agency Contact(s)
TABLE OF CONTENTS

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I. Basic II. Eligibility III. Program IV. Application V. Application VI. Submission VII. Post-Award VIII. Contact and Appendix
Information Description Contents and Review Requirements and Requirements and Support
Format Information Deadlines Administration
I. BASIC INFORMATION See Contact and Support section of
this NOFO.
A. Summary
Federal Agency Name:
United States Department of Housing and Urban Development (HUD)
HUD Program Office:
Office of Housing
Announcement Type:
Initial
Program Type:
Discretionary
Paperwork Reduction Act Information:
2501-0044, 2502-0621, and 2502-0567
Due Date for Intergovernmental Review:
See Section VI.C.1.
Key Facts Key Dates
Opportunity Name: Application Due Date:
Comprehensive Housing Counseling (CHC) and the 11:59:59 PM Eastern Time
on:
Housing Counseling Training (HCT) NOFO (FY2025)
Opportunity Number: 05/26/2026
FR-6900-N-33 Anticipated Award Date:
Federal Assistance Listing: 08/03/2026
Estimated Performance
14.169
Period Start Date:
08/03/2026
Estimated Performance
Period End Date:
03/31/2027
1. NOFO Summary
This NOFO provides competitive awards to support housing counseling agencies (HCAs).
These agencies help consumers make informed housing decisions by providing information,
advice, and tools for finding, financing, maintaining, renting, or owning a home. This NOFO
solicits applications for the following programs:
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1. Comprehensive Housing Counseling (CHC)
2. Housing Counseling Training (HCT)
This NOFO also includes a Minority Serving Institution (MSI) Initiative, which is available to
eligible applicants of the CHC or HCT programs.
You may apply for more than one program using a single application. Each program has
distinct application criteria, as outlined in this NOFO. Review the criteria for each program
before you submit your application. HUD will not fund incomplete, ineligible, or
noncompetitive applications.
HUD expects to distribute funding for the HCT program using a cooperative agreement.
HUD’s substantial involvement in cooperative agreements includes, but is not limited to, the
following items:
(a) Review and approval of marketing of courses;
(b) Work plan changes, including increasing the availability of remote training;
(c) Review and approval of proposed courses, including course materials;
(d) Provision of counseling content standards;
(e) Provide recommendations for course work, training or other activities that address
Departmental initiatives;
(f) Review and approval of training locations, technology and logistics. HUD reserves the right
to review and approve or reject training locations, technology, and logistics as well as the
type of training and courses offered including review to ensure appropriate access is provided
for persons with disabilities;
(g) Review and approval of evaluation instruments and methodology for determining value of
courses and impact;
(h) Identify functional needs of persons with disabilities and outreach techniques; and
(i) Course audit by HUD staff.
2. Funding Details
Type of Funding Instrument
CA (Cooperative Agreement)
G (Grant)
A grant applies to the CHC program. A cooperative agreement applies to the HCT program.
Though structured under a cooperative agreement, funds used for housing counseling
training pursuant to this NOFO are still recognized as grant funds.
Available Funds
Funding of approximately $56,100,000 is available through this NOFO.
Additional funds may become available for award. Use of these funds is subject to statutory
constraints. All awards are subject to the selection process contained in this NOFO.
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Housing Counseling Training
Comprehensive Housing
(HCT)
Counseling (CHC)
(Previously TNOFO)
$54,600,000
Total
funding by This includes $3,000,000 set $1,500,000
a ward aside for the MSI Initiative.
Period of
Performan
10/1/2025 10/1/2025
ce Start
Date
Length of
Period of
18 months 18 months
Performan
ce (POP)
Minimum
Award
Amount
Per
$1 $1
Program,
and
Budget
Periods
Maximum
Award
Amount
Per
$3,000,000 $1,500,000
Program
and
Budget
Periods
Payment Cost Reimbursement Award Cost Reimbursement Award
HUD reserves the right to award additional funds from any eligible source if such funds
become available. In making determinations of additional funding to grantees, HUD may use
one or more FY2025 NOFO application criteria and/or grantees' demonstrated performance.
Use of these funds is subject to statutory constraints. All awards are subject to the funding
restrictions contained in this NOFO.
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HUD reserves the right to award more or less than this amount, in one or more phases,
depending upon the number of eligible applicants and other factors. HUD reserves the right to
set aside funds towards specific housing counseling initiatives, as well as add unobligated
funding from any available source year to this NOFO funding amount.
HUD also reserves the right to issue a Supplemental Housing Counseling NOFO in FY2026,
which may be limited to new applicants or to provide support for specific housing counseling
activities.
HUD may grant extensions as necessary, subject to statutory and regulatory constraints. The
grant agreement and 2 C.F.R. 200.308(f)(10) allow HUD to modify the grant agreement’s
period of performance for all grantees. HUD may waive the written request requirement and
may approve extensions for all NOFO grants as deemed necessary.
Number of Awards
HUD expects to make approximately 175 awards from the funds available under this NOFO.
Total Grant Request. Applicants should enter a response of $1.00 in line 18a of the SF-424.
Applicants are not required to request a specific award amount nor provide a proposed
budget for a grant amount. Please reference the funding methodology section for each
program in Section V.
MSI funds will be awarded to HUD-approved housing counseling agencies in addition to the
maximum award amount. Comprehensive Housing Counseling (CHC) and Housing
Counseling Training (HCT) awards are separate and have their own maximum award
amounts.
Length of Performance Period:
18-month project period and budget period
Length of Periods Explanation:
For more information on the Period of Performance, please see table above in “Available
Funds.”
B. Agency Contact(s)
See Contact and Support section of this NOFO.
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II. ELIGIBILITY
II. Eligibility
A. Eligible Applicants
B. Cost Sharing or Matching
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II. ELIGIBILITY
You are invited to apply if your organization is an eligible entity type and meets the funding
conditions included in the NOFO. HUD will review applications from eligible applicants using
the criteria in Section V. of this NOFO.
A. Eligible Applicants
1. Eligible Entity Types:
00 (State governments)
12 (Nonprofits having a 501(c)(3) status with the IRS, other than institutions of higher
education)
25 (Others (see text field entitled "Additional Information on Eligibility" for clarification))
Additional Information on Eligibility
Faith-based organizations may apply on the same basis as any other organization. HUD does
not engage in any unlawful and improper conduct, policies, or practices that target faith-
based organizations.
Individuals are ineligible applicants.
Additional Information on Eligibility - Must be 501(c)(3) and does not conduct, facilitate, or
participate in 501(c)(4) or 501(c)(6) activities.
Applicant must be approved to participate in the HUD Housing Counseling Program prior to
the NOFO issue date. Applicant must be exempt from taxation under Internal Revenue Code
(IRC) Section 501 (a) as an entity described in IRC Section 501(c) (26 U.S.C. § 501 (a) and
(c)), or units of local, county, or state government.
Applicant Eligibility for Grant Opportunities available under this NOFO
1. Comprehensive Housing Counseling (CHC): HUD-approved housing counseling
agencies, and State Housing Finance Agencies (SHFAs)* meeting specific criteria.
2. Housing Counseling Training (HCT): Non-profit organizations, other than institutions
of higher education, with at least two years of experience providing housing counseling
training services nationwide to housing counselors employed by housing counseling
agencies participating in HUD’s Housing Counseling Program.
SHFAs are eligible for this NOFO if they possess statutory authority to provide housing
counseling throughout their entire state and adhere to all program requirements outlined in 24
C.F.R. Part 214, HUD Handbook 7610.1, and other governing policies and requirements.
A.2. Eligible Activities
A. Eligible Activities under the CHC and MSI Programs. HUD requires Grantees to use
grant funds for housing counseling and group education in accordance with 24 C.F.R. Part
214 and Handbook 7610.1. The restrictions applicable to the specific awards are described
below. To be eligible for reimbursement as direct costs, costs must be incurred pursuant to
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one or more of the following activities:
1. Housing counseling (See (2)(a)(ii)(A) in this section for limitations.)
2. Group education as defined in 24 CFR 214.3 “Education”
3. Oversight, compliance, and quality control
4. Supervision of housing counseling staff
5. Housing counselor training and certification
6. Marketing and outreach of the program
2. Restrictions
a. Statutory and Regulatory Requirements Affecting Eligibility
You must comply with the current General Statutory and Regulatory Requirements Affecting
Eligibility for HUD’s Competitive Programs. HUD will review your eligibility before issuing an
award. As part of this review, HUD uses SAM.gov and Department of Treasury data.
i. Funding Restrictions Applicable to all awards for this NOFO
Additional restrictions related to this NOFO are included in the standard terms and conditions.
See Section VII “Post Award Requirements”.
ii. Additional Funding Restrictions applicable to the awards under this NOFO
A. Reimbursement under the CHC grant and the MSI Program for one-on-one housing
counseling is limited to:
1. Rental housing counseling (24 C.F.R. 5.100) to HUD-assisted households as defined in
Appendix 1 with a focus on building financial independence and creating clear pathways
toward transitioning into unassisted rental or owner-occupied housing.
2. Post-purchase homeownership counseling for eligible homeowners as defined in Appendix
1 related to: (1) preventing or resolving mortgage delinquency; and (2) non-delinquency
counseling (e.g., home maintenance and financial management, budgeting, refinancing, etc.).
3. Home Equity Conversion Mortgage (HECM) counseling;
4. Disaster preparedness and recovery counseling to HUD-assisted households and eligible
homeowners to help reduce long-term recovery costs and minimize the financial impact on
federal resources;
5. Homeless prevention counseling services (in accordance with E.O. 14321), including
information regarding treatment, recovery, and self-sufficiency.
6. Other activities as outlined as a HUD priority in the Grant Agreement.
a. Limits on CHC Applicants. Applicants and Subgrantees are prohibited from receiving
FY2025 Housing Counseling Program grant funding from multiple sources. For example,
receiving funding under this NOFO as both a direct Grantee (e.g. LHCA) and as a
Subgrantee of an Intermediary or SHFA is prohibited. Likewise, receiving funding under this
NOFO as a Subgrantee of two different Intermediaries/SHFAs is prohibited.
B. Reimbursement for the Housing Counseling Training (HCT) Program is limited to:
1. Cooperative Agreement (2 C.F.R. 200.1). HUD expects to use a cooperative agreement
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for HCT Awards.
2. Cost Reimbursement Award. (2 C.F.R. 200.1) All awards will be made on a cost
reimbursement basis in accordance with, and subject to, the requirements in 2 C.F.R. Part
200.
3. Salary Limitation for Consultants. FY2025 HCT Grant funds may not be used to pay or
provide reimbursement for payment of the salary of a consultant/trainer, whether retained by
the federal government or the Grantee, at a rate more than the equivalent of General
Schedule 15, Step 10 base pay rate for which the annual rate for FY2025 is $159,950. The
hourly rate is $76.64.
4. HCT Program Reporting Requirements. Award recipients will be required to submit
monthly and quarterly progress reports, as specified in the HCT Cooperative Agreement.
b. Application Eligibility
Your application is considered for funding if it satisfies the application review requirements in
Section V. of this NOFO.
Program-Specific Requirements
Unless specifically noted, the following program-specific requirements are for all grant
applications in this NOFO.
1. MSI Program. Applicants requesting funds dedicated for Historically Black Colleges
and Universities (HBCUs) and other MSIs (and partnerships therewith) must submit
evidence of the college or university’s status as an HBCU or MSI. Additionally,
Applicants that are partnering with an HBCU or MSI must submit a letter certifying that
an HBCU or other MSI partnership is in place or that there is an intent to enter a
partnership. The letter must be signed by the Applicant and an authorizing official of
the HBCU or other MSI and the Applicant must provide documentation of the
partnering college or university's status as an HBCU or other MSI.
2. Audits and Investigations. Successful Applicants must provide the most recent audit
of financial activities (e.g., a single or program-specific audit required under 2 C.F.R.
§200.501) completed no earlier than FY 2022. All Applicants not required to complete
a single or program-specific audit under 2 C.F.R. §200.501 must submit their most
recent independent financial audit. HUD will review individual circumstances upon
request. At the time of the NOFO application submission date and thereafter, all
Applicants must disclose to HUD the status of active investigations as outlined in 24
C.F.R. §214.103(c). HUD may determine that Applicants are not eligible for grant
funding based on its review of HUD, HUD Office of Inspector General (OIG), or other
government audits or investigations.
3. Subcontracting. Grantees and Subgrantees must deliver the housing counseling
services set forth in the Applicant’s Work Plan. It is not permissible to contract out
housing counseling services, except as approved by HUD as specified in 24 C.F.R.
214.103(i).
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4. Subgrant Agreement. Intermediaries and SHFAs that award subgrants must execute
subgrant agreements with Subgrantees that delineate the mutual responsibilities for
program management, including appropriate time frames for reporting results to HUD
and compliance with HUD rules and regulations. These records must meet the data
requirements of the Federal Funding Accountability and Transparency Act of 2006
(FFATA) (P.L. 109-282) and must be made available to Subgrantees, Branches, and
HUD within 30 days of making the subaward or allocation.
5. Conflicts of Interest. See 24 C.F.R. Part 214 and Handbook 7610.1 for information
about the Applicant’s code of conduct and the prohibition against real and apparent
conflicts of interest that may arise among officers, employees, agents, or other parties.
6. Tax Exempt.
Applicants, Subgrantees, and Branches must be:
a. Exempt from taxation under Internal Revenue Code (IRC) Section 501 (a) as an
entity described in IRC Section 501(c) (26 U.S.C. § 501 (a) and (c)), or units of local,
county, or state government.
b. In good standing under the laws and regulations of the state of their organization.
c. Authorized to do business in the states in which they propose to provide housing
counseling services.
d. Approved by HUD, in accordance with this part and 106(e) of the Housing and
Urban Development Act of 1968 (12 U.S.C. 1701x(e)), to provide housing counseling
services to clients directly, or through their affiliates or branches. This requirement is
not applicable to the HCT Program.
7. System of Award Management (Sam.gov) and UEI Registration Requirement.
Applicants must have a valid and active registration in Sam.gov. In addition, applicants
and subgrantees must have a valid and active UEI Number.
8. Outstanding Performance Issues. Applicants and Subgrantees must resolve all
outstanding issues communicated by HUD in writing by the later of the application
deadline date of this NOFO or the expiration date of any conditional re-approval or
inactive status resulting from such written communication.
9. Election for Federal Office Violation. No Applicant, Subgrantee, or Branch shall
employ an individual who has been convicted of a violation under Federal law relating
to an election for Federal office. See 12 U.S.C. 1701x(a)(4)(D).
10. Compliance with Third Party Certifications and Licensing. Applicants must comply
with, and not be in default under, any applicable state or other licensing and
certification requirements. HUD will review individual circumstances upon request.
B. Cost Sharing or Matching
This Program does not require cost sharing or matching.
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III. PROGRAM DESCRIPTION
III. Program Description
A. Purpose
B. Goals and Objectives
C. Authority
D. Unallowable Costs
E. Indirect Costs
F. Program History
G. Other Information
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III. PROGRAM DESCRIPTION
A. Purpose
To provide support to the housing counseling agencies (HCAs) that provide information,
advice, and tools for consumers seeking, financing, maintaining, renting, or owning a home,
and to help consumers make informed decisions about their housing options.
B. Goals and Objectives
This Notice of Funding Opportunity (NOFO) aligns with HUD's mission, Presidential
Actions, and relevant laws. You should consider these goals in your application and to track
the success of your project. HUD will monitor compliance throughout the program's duration.
1. The Comprehensive Housing Counseling (CHC) Grant Award
The CHC Grant Program will provide targeted housing counseling and group education in
priority areas: rental counseling for HUD-assisted households transitioning to unassisted
housing; post-purchase housing counseling for eligible homeowners, disaster preparedness
and recovery counseling for HUD-assisted households and eligible homeowners, and
homeless prevention counseling services (in accordance with E.O. 14321), including
information regarding treatment, recovery, and self-sufficiency. The program will also fulfill
statutory requirements for HECM counseling and may include additional activities consistent
with administration priorities. HUD recognizes E.O. 14283, The White House Initiative to
Promote Excellence and Innovation at Historically Black Colleges and Universities (HBCU
Initiative), and as part of this NOFO, the Minority Serving Institutions (MSI) initiative will fund
partnerships between housing counseling agencies and MSIs to deliver counseling and
education to MSI students, faculty, and staff, and their surrounding communities.
2. Housing Counseling Training (HCT) Grant Award
The goal of the HCT Program award is to maintain a professional and effective housing
counseling industry that can meaningfully assist consumers by providing them with the
information they need to make informed housing choices and maximize the impact of HUD’s
Housing Counseling program appropriations.
This is achieved by: (i) Providing financial support to create an increased number of
counselor training scholarships and partnerships to conduct training; (ii) Supporting basic and
specialized topics of housing counseling training including the core topics for housing
counselor certification, rental housing counseling, mortgage delinquency and default
counseling, housing counselor workforce development, and disaster preparation and
recovery to help meet these perceived needs; (iii) Supporting housing counseling agencies
(HCAs) that are in a unique position to help their communities prepare for and recover from a
disaster. This can be done by integrating preparedness into their counseling and education
activities. Post-disaster, they can use their knowledge of local resources and programs to
help clients navigate the complexities of disaster recovery resources and programs; and (iv)
Encouraging housing counselor workforce development through programs designed to
prepare students for future careers in housing counseling.
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The HCT MSI Initiative helps support communities by enabling eligible housing counseling
agencies to partner with HBCUs and other MSIs so that these institutions can help their
communities address their housing and financial needs and increase the supply of local
certified housing counselors.
C. Authority
Funding for this program is provided by the Full-Year Continuing Appropriations and
Extensions Act, 2025 (Public Law 119-4, approved March 15, 2025).
HUD's Housing Counseling Program is authorized by Section 106 of the Housing and Urban
Development Act of 1968 (12 U.S.C. § 1701x) (Section 106) and Section 4 of the Department
of Housing and Urban Development Act (42 U.S.C. § 3533) as amended. The Housing
Counseling Program regulations are codified at 24 C.F.R. Part 214. The Home Equity
Conversion Mortgage Program (HECM) is authorized by Section 255 of the National Housing
Act (12 U.S.C. § 1715z-20), and its regulations are codified at 24 C.F.R. Part 206.
D. Unallowable Costs
Program costs incurred prior to the period of performance start date are not allowed.
E. Indirect Costs
If you expect to charge indirect costs to the award, submit the Indirect Cost Rate Certification
form (HUD-426) with your application.
Projec
Instruction
t
If you expect to charge indirect costs to the award, submit the Indirect
CHC
Cost Rate Certification form (HUD-426) with your application.
If you expect to charge indirect costs to the award, submit the Indirect
HCT
Cost Rate Certification form (HUD-426) with your application.
If you receive an award, more information about indirect cost rates is outlined in the grant
agreement.
F. Program History
• Combination NOFO with multiple awards. This NOFO combines requirements from
CHC and HCT, previously published as two separate NOFOs.
• Executive Order Compliance. This NOFO and all funding opportunities contained in
this NOFO align with HUD's mission, Presidential Actions, and relevant laws.
Adjustments were made to rating factors to accommodate these priorities.
• Changes to grant specific application forms and charts. The two individual grant
specific forms, the HUD-9906 (CHC) and HUD-92910 (HCT) have been consolidated
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into one, combined fillable PDF HUD-9906. This fillable PDF should not be separated
but submitted as is, with applicants only completing the portions relevant to their own
application. The fillable PDF includes a cover page with further instructions and
identifies the pages in the fillable PDF that are relevant to each application award.
Intermediaries, State Housing Finance Agencies (SHFA), and Multi-State
Organizations (MSO) will need to submit a completed HUD-9906 Chart A Supplement
(Excel). Additionally, HUD-9906 Chart F (Excel) must be submitted by all applicants to
identify all non-federal, diversified funding resources available during October 1, 2024
through September 30, 2025 and used to support housing counseling activities.
• Reimbursement for housing counseling activities. See section II.A.(2)a(ii)(B)
G. Other Information
This NOFO does not include infrastructure and Build America, Buy America Act (BABA)
requirements are not applicable.
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Information Description Contents and Review Requirements and Requirements and Support
Format Information Deadlines Administration
IV. APPLICATION CONTENTS AND
FORMAT
IV. Application Contents and Forms
A. Standard Forms, Assurances, and Certifications
B. Budget
C. Narratives and Non-Form Attachments
D. Other Application Content
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Format Information Deadlines Administration
IV. APPLICATION CONTENTS AND FORMAT
Applications must include three main elements: a) standard forms, assurances, and
certifications; b) budget; and c) narratives and other attachments. The content, forms, and
format for each element are included in this section.
You may use this section as a checklist to ensure you submit a complete application.
If you don’t provide the required documents in the correct format, your application is
incomplete.
Do not submit password protected or encrypted files.
Element Submission Form
Standard Forms, Assurances, and
Upload using each required form.
Certifications
Budget Use the required budget form.
Narratives and Other Attachments Insert each in the Attachments form.
_________ pages is the total maximum length of all narratives.
A. Standard Forms, Assurances, and Certifications
You must properly complete and submit with your application the standard forms,
assurances, and certifications identified below. You can find all forms in the application
package or review them and their instructions at Grants.gov Forms. You can also read more
about standard forms on HUD’s Funding Opportunities page.
Standard Forms, Assurances, and Certifications are outlined below.
Standard
Forms/Assurances/
Certifications
Submit ONE (1) per
Application
Submission Requirement Notes/Description
(Even if your application
includes multiple programs)
Page limit: Not applicable
Application for Federal Required to submit with
File name: SF-424
Assistance (SF-424) application.
Applicant is to place HCS ID
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Standard
Forms/Assurances/
Certifications
Submit ONE (1) per
Application
Submission Requirement Notes/Description
(Even if your application
includes multiple programs)
in Box 4, Applicant Identifier
Applicant and Recipient
Required to submit with Page limit: Not applicable
Assurances and
application and post-award.
File name: HUD-424B
Certifications (HUD 424-B)
Applicant/Recipient
Required to submit with Page limit: Not applicable
Disclosure/Update Report
application and post-award.
File name: HUD-2880
(HUD 2880)
Page limit: Not applicable
Certification Regarding Required to submit with
File name: Lobbying
Lobbying Activities application.
Certification form
Disclosure of Lobbying Required to submit with Page limit: Not applicable
Activities (SF-LLL) application, if applicable. File name: SF-LLL
Certification for a Drug-Free Required to submit with Page limit: Not applicable
Workplace (HUD-50070) application. File name: HUD-50070
B. Budget
You must submit a budget with your application to support your project narrative.
At a minimum, your budget must indicate direct and any indirect costs.
You must also submit form HUD-426, based on the requirements in Section III.E. of this
NOFO.
The following chart contains budget requirements for each award. Include a budget narrative
with your form.
Budget Form/Document Submission Requirement Notes/Description
Comprehensive Housing CHC applicants are not Page limit: Not applicable
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Budget Form/Document Submission Requirement Notes/Description
Counseling (CHC) required to request a specific Please see attachments for
award amount, nor provide a applicable word count limits.
proposed budget for a grant
amount, but should enter a
response of $1.00 in line 18a
of the SF-424, Application for
Federal Assistance.
If awarded, the Grantee is
required to submit additional
budget information during
grant execution.
Page limit: Not applicable
Applicants will use the
program-specific budget form
found on form HUD-9906
Chart G2 to report actual
expenditures.
Page limit: Not applicable
Housing Counseling Applicants are not required to
Please see attachments for
Training (HCT)
request a specific award
applicable word count limits.
amount but will be required to
update the budget submitted
on form HUD-9906-Chart G2
in order to execute the grant, if
an award is made.
Page limit: Not applicable
Required to submit with
Indirect Cost Rate File name: ICR Doc.
application and post-award, if
Certification (HUD-426)
applicable. Download form from
Instructions package.
C. Narratives and Other Attachments
If applicable, you must upload narrative and other attachments in Grants.gov using the
Attachments Form. When using the Attachments Form, you can upload PDF, Word or Excel
formats.
Form CHC Program HCT Program
SHFAs must submit evidence SHFAs must submit evidence
SHFA Statutory Authority
of their statutory authority to of their statutory authority to
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Form CHC Program HCT Program
operate as an SHFA, as operate as an SHFA, as
defined in this program, and defined in this program, and
must submit evidence of their must submit evidence of their
authority to apply for funds authority to apply for funds
and subsequently use any and subsequently use any
funds awarded. Applicants funds awarded. Applicants
should verify that their agency should verify that their agency
profile information is profile information is
accurately represented in accurately represented in
HUD's HCS and validate the HUD's HCS and validate the
information prior to submitting information prior to submitting
the grant application. the grant application.
Required with the application.
Required with the application.
The Rating Factors will be
The Rating Factors will be
Response to Rating Factors answered within the Form
answered within the Form
HUD-9906 – Chart G (Chart
HUD-9906.
G1 through G4).
Form HUD-9906 Required for the CHC
Charts A-D program. See Section V.B for
details about the Rating
HUD-9906 Chart A
Factors for the CHC Award.
Supplement (Excel) and
HUD-9906 Chart F Applicable to all applicants
Diversified Funding (Excel) applying for the CHC Award. Not applicable
Failure to submit the
completed Charts will impact
the Applicant's ability to reach
the minimum fundable score
of 75 points.
Applicable to all applicants
applying for the CHC program
who wish to also apply for the
Form HUD-9906, Chart E MSI Initiative Award. Failure to
Not applicable
submit the completed Chart
MSI Initiative
will result in the applicant not
being considered for the MSI
Initiative funding.
CHC Applicants applying for
MSI Initiative Award - HCT Applicants applying for
the MSI Initiative Award must
Documentation the MSI Initiative Award must
include documentation as
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Form CHC Program HCT Program
outlined in HUD-9906 Chart E. include documentation.
Form HUD-9902 Housing This applies to newly
Counseling Agency Fiscal approved applicants for the
Year Activity Report Comprehensive Housing
Counseling (CHC) Program
Award who didn't submit a
Not applicable
Form HUD-9902 in the last
HUD fiscal year. For more
information, please review
instructions in Section V,
Rating Factor 3A.
Form HUD-9906, Chart G Review Section V.B. for
details about the Rating
Housing Counseling
Factors.
Training Chart
Applicable to all applicants
applying for the HCT Award.
Not applicable
Failure to submit the
completed Chart G will impact
the Applicant's ability to reach
the minimum fundable score
of 75 points.
Housing Counseling Not applicable Review section V.B. for details
Training Scholarship about the Rating Factors.
Narrative
Applicable to all applicants
applying for the HCT Award.
Failure to submit will result in
the applicant not being
considered for HCT-MSI
Initiative funding.
D. Other Application Content
N/A
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V. APPLICATION REVIEW
INFORMATION
V. Application Review Information
A. Threshold Review
B. Merit Review
C. Risk Review
D. Selection Process
E. Award Notices
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V. APPLICATION REVIEW INFORMATION
A. Threshold Review
HUD reviews each application to make sure it meets the following threshold requirements. If
you meet all threshold requirements, your application will advance to a merit review. If you fail
to meet one or more threshold requirements, your application is not eligible for HUD funding.
1. Eligible Applicant
You must meet the applicant eligibility criteria in this NOFO. Applications from ineligible
applicants are not rated or ranked and will not receive HUD funding.
2. Resolution of Civil Rights Matters
Applicants with outstanding, unresolved judgments against them for violations of civil rights
laws must resolve those judgments before the application submission deadline or the
applicant will be deemed ineligible.
a. An applicant is ineligible for funding if the applicant has received notice of a judgment
imposed against them for violations of:
1. the Fair Housing Act or a substantially equivalent state or local fair housing law for
discrimination because of race, color, religion, sex, national origin, disability or familial
status; or
2. Title VI of the Civil Rights Act of 1964, Section 504 of the Rehabilitation Act of 1973,
Section 109 of the Housing and Community Development Act of 1974, the Americans
with Disabilities Act, or the Violence Against Women Act or substantially equivalent
state or local laws.
b. HUD will determine if actions to resolve the judgment taken before the application deadline
date will resolve the matter. Examples of actions that may be sufficient to resolve the matter
include, but are not limited to:
1. Current compliance with a voluntary compliance agreement signed by all the parties;
2. Current compliance with a HUD-approved conciliation agreement signed by all the
parties;
3. Current compliance with a conciliation agreement signed by all the parties and
approved by the state governmental or local administrative agency with jurisdiction
over the matter;
4. Current compliance with a consent order or consent decree; or
5. Current compliance with a final judicial ruling or administrative ruling or decision.
3. Timely Submission of Applications
Late applications are not eligible for funding. See deadlines in Section VI of this NOFO.
B. Merit Review
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HUD expects to evaluate and score your application using the following merit criteria and process.
Merit reviewers evaluate and score all applications that pass the threshold review. Merit reviewers
may include Federal and non-Federal persons. Reviewers receive a copy of your application to
evaluate and score each application separately.
Merit Review Summary
Your application is scored on a 100-point scale. You must receive a minimum score of 75 points to
receive HUD funding. If available funds are insufficient to provide funding to all eligible applicants,
funding is distributed by rank order of application scores until all available funds have been distributed.
HUD reserves the right to adjust the minimum fundable score.
Rating 1. Comprehensive Housing 2. Housing Counseling Training
Factor Counseling (CHC) Program (HCT) Program
Rating
8 points 32 points
Factor 1.
Rating
17 points 8 points
Factor 2.
Rating
45 points 36 points
Factor 3.
Rating
30 points 12 points
Factor 4.
Rating
Not applicable 12 points
Factor 5.
Total Points 100 points 100 points
Policy
Preference MSI Initiative MSI Initiative
Initiative
1. Rating Factors
Your application must include a response to the following criteria.
Rating Factors Details
HUD expects to evaluate and score your application using the following merit criteria and
process. Merit reviewers evaluate and score all applications that pass the threshold review.
Merit reviewers may include Federal and non-Federal persons. Reviewers receive a copy of
your application to evaluate and score each application separately.
a. Comprehensive Housing Counseling (CHC) Award and optional Supplemental MSI
Initiative Program - HUD-9906
Scope of Review. HUD will review applications in accordance with the requirements of this
program and the Housing Counseling Program. HUD may rely on performance monitoring
and audit reports, financial status information, and other information available to HUD to
make score determinations. The maximum points for each factor are outlined below.
Applicants that manage networks of counseling agencies should not submit a separate
response for each proposed Subgrantee and Branch. Rather, such applicants will be directed
to use the Chart A Supplement (Excel), where they will list and describe their funded network:
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• If the entity is a Branch of the Applicant’s organization, place an “X” in Field A3. If the
entity is a Subgrantee, place an “X” in Field A4. Branches that are part of a
Subgrantee’s organization must not be listed. For each member of the Applicant's
funded network, there should be one and only one box checked (i.e., either Field A3 or
Field A4, not both). If an Intermediary, SHFA, or Multi-State Organizations (MSO)
provides counseling services at their main office, Applicants should list their main
office as a Branch.
• Only Subgrantees and Branches that provide housing counseling services should be
listed. Subgrantees or Branches that perform only administrative functions should not
be listed.
• Subgrantees and Branches that did not provide housing counseling services to a
minimum of thirty clients in the previous fiscal year must not be listed. (This
requirement does not apply to agencies that offer only reverse mortgage counseling.)
• Intermediaries and SHFAs that award subgrants to counseling agencies that are not
HUD-approved must ensure that they meet or exceed HUD’s approval standards.
• Upon completion of the HUD-9906 Chart A Supplement (Excel), applicants will transfer
the totals onto the HUD-9906 Chart A.
HUD-9906
Rating Factor
Chart
Rating Factor 1. Capacity of the Applicant 8 points
Sub HECM Average Hours - Duration of the Counseling Session
Not

Agencies with HECM Roster counselors will be assessed on the

2 appli
fact
average duration of a counseling session. HUD will use its own
cable
or A
records to score this factor.
Staff Training and Experience
Using Chart A, indicate by entering an “X” in the appropriate field if
staff have received housing counseling training by HUD or a Training
(HCT) NOFO Grantee in the past two (2) years, not including on-the-
job training (Field G). Intermediaries, SHFAs, and MSOs must
Sub specify this information for each Branch or Subgrantee on the HUD-

9906 Chart A Supplement (Excel), and then transfer the totals onto Chart

3
fact the HUD-9906, Chart A. A
or B

Using Chart A, indicate by entering an “X” in the appropriate field if
Housing Counseling Program staff have three (3) or more years
experience in their field (Field H). Intermediaries, SHFAs, and MSOs
must specify this information for each Branch or Subgrantee on the
HUD-9906 Chart A Supplement (Excel), and then transfer the totals
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onto the HUD-9906, Chart A.
Client Satisfaction and Progress
Scoring of this sub-factor will reward Applicants that measure
customer satisfaction and progress. Using Chart A, indicate by
entering an “X”:
Sub • Issued client exit surveys at the end of counseling or

education sessions or issued follow-up client surveys after the Chart

3
fact counseling was completed (Field I) A
or C
• Applicant maintains evidence of client progress in the client file
as part of follow-up (Field J)
Intermediaries, SHFAs, and MSOs must specify this information for
each Branch/Subgrantee on the HUD-9906 Chart A Supplement
(Excel) and then transfer the totals onto the HUD-9906 Chart A.
Rating Factor 2. Need and Advancement of Program Priorities 17 points
Rural Communities, MSI Partnerships, and Opportunity Zones
• HUD will use agency-reported data to determine the extent
that an Applicant (and, if applicable, its network) serves clients
from a “rural area” (as defined by the U.S. Department of
Agriculture at 7 C.F.R. § 3550.10). HUD will use its own
records to score the rural communities sub-factor.
• To be considered for MSI Initiative funding, Applicants must
Sub meet the minimum fundable score required by the CHC grant Chart

and provide a complete response to all questions on the HUD- B

7
9906, Chart E. Each response will be weighted as part of the
fact
Chart
scoring for this sub-factor. Failure to submit a fully completed
or A
E
Chart E may result in ineligibility for MSI Initiative funding.
• Applicants must complete Chart B, Field A, if the Applicant’s
main office and/or its network provide services within an
Opportunity Zone and what housing counseling services are
provided in the areas designated as Opportunity Zones. For
purposes of scoring, include no more than five (5) eligible
census tracts. Opportunity Zones can be identified at
https://www.hud.gov/opportunity-zones
Experience Working with HUD-Assisted Households and Eligible
Sub
Homeowners

Chart

8
fact Applicants must describe their experience working with HUD-assisted B
or B households and eligible homeowners. Examples include renters
assisted through the Housing Choice Voucher, Project-Based Rental
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Assistance, and Public Housing programs, as well as Federal
Housing Administration (FHA)-insured borrowers (see Appendix I
definitions).
Applicants should highlight their success in helping renters transition
from HUD-assisted housing to stable, secure, non-assisted housing;
and/or assisting homeowners in preventing or resolving mortgage
delinquency; and/or providing non-delinquency post-purchase
counseling on issues such as home maintenance and financial
management, budgeting, and refinances.
(Chart B, Field B)
Emergency Preparedness and Recovery
Emergency preparedness and disaster recovery activities must be
included within the agency’s Work Plan. Applicants must describe
Sub
their experience assisting individuals and families with disaster

Chart

preparedness counseling, resilience building, and post-disaster 2
fact B
recovery counseling. Applicants should explain how the agency plans
or C
to help clients reduce long-term recovery costs and minimize the
financial impact on federal resources.
(Chart B, Field C)
Rating Factor 3. Soundness of Approach 45 points
Clients Served
HUD will evaluate the total number of clients served by the Applicant
as reported in its HUD-9902 for Fiscal Year 2024. Applicants who
Sub
Not
were newly approved after September 30, 2024, and therefore were
-
14 appli
not required to submit a form HUD-9902 covering this period, must
fact
prepare and submit a Form HUD-9902 as part of the application. cable
or A
Such agencies must ensure that their HUD-9902 data reflects the
entire Fiscal Year 2024, and not just that portion for which the agency
was HUD-approved.
Cost per Client
HUD will evaluate the Applicant’s housing counseling program total
Sub actual expenses for the period October 1, 2023, through September

30, 2024, which includes salaries and fringe of housing counselors Chart

4
fact and staff who provide counseling or group sessions, other direct D
or B costs, and indirect costs. Applicants must document their total
housing counseling program expenses in Chart D, which includes all
funding sources for its housing counseling program during the time
period requested, not just OHC funding. MSOs, SHFAs, and
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Intermediaries must include total program expenses for their entire
proposed network. Applicants may provide a narrative explanation of
an inordinately high cost per client (Chart D Adjustment Point
(Optional)).
Sub
Counseling Expense Ratio

Chart

HUD will calculate the ratio of counseling and education costs to total 3
fact D
program expenses.
or C
Diversified Funding Sources in the CHC Grant
HUD housing counseling grants are not intended to fully fund an
applicant’s housing counseling program, or that of its subgrantees.
Agencies must maintain a level of funds that enables it to provide
housing counseling whether or not the agency receives HUD funding
(24 C.F.R. 214.303(i)).
Applicants will be evaluated based on their ability to show that they
have obtained additional resources for their housing counseling
Sub Chart
activities, for the period October 1, 2024 –September 30, 2025,

including: direct financial assistance, program income, and in-kind F

12
fact contributions: equipment, office space, labor; etc. Resources must be (Exc
or D used for the housing counseling program and may be provided by el)
governmental entities, public or private nonprofit organizations, for-
profit private organizations, or other entities committed to providing
assistance.
Any agency that does not have other resources available will receive
zero points for this rating factor. Failure to submit a fully completed
Chart F may result in the Applicant receiving zero points for
diversified funding. None of these additional resources can be
federal funds or federal pass-through funds.
Allocation to Subgrantees
Applicants that manage networks of counseling agencies must
submit a proposed sub-allocation plan indicating how they will divide
Sub
their CHC Grant funds among their Branches and Subgrantees,

Chart

based on percentages of the grant rather than dollar amounts (see 2
fact A
Form HUD-9906, Chart A, Fields B and C). Intermediaries, SHFAs,
or E
and MSOs must indicate the percentage of the proposed award the
Applicant intends to allocate to each Subgrantee and Branch on
Chart A Supplement (Excel), Field C and transfer that total to Chart
A, Field C. Indicate the percentage of the proposed award the
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Applicant intends to allocate to itself on Chart A, Field B.
Points are awarded to Applicants who sub-allocate a larger
percentage of their award. If, after the grants are awarded, a Grantee
would like to change its sub-allocation plan, the Grantee must make
a request in writing and provide justification.
Sub Counseling and Financial Education Services
Not

HUD will consider the types of housing counseling and education

4 appli
fact
services offered by the agency and/or its network. HUD will use its
cable
or F
own records to score this factor.
Oversight Activities
Sub Applicants must indicate their oversight and quality control activities

Chart

(Chart C). Items selected in this chart must be included in an
6
fact C
agency's quality control plan and may be verified by HUD staff prior
or G
to approving grant activity reports and drawdown requests, as well as
during performance reviews.
Rating Factor 4. Achieving Results and Program Evaluation 30 points
Performance and Housing Counseling System (HCS) Reporting
• HUD will evaluate Applicant compliance with programmatic
requirements and oversight results. HUD will use its own
Sub
records to score this factor. Not
-
10 appli
fact • Applicants will be assessed on timely validation of their
cable
or A agency profile in HCS, timely submission of form HUD-9902
reports, and use of their Client Management System (CMS) to
submit form HUD-9902 reports (including client level data).
HUD will use its own records to score this factor.
Grant Expenditure History
HUD will evaluate the Applicant's expenditure history of previously
Sub
Not
awarded grant funds. Significant delays in grant execution and
-
10 appli
expenditure, including the need to voluntarily or involuntarily
fact
cable
recapture funding, will be taken into consideration. HUD will use its
or B
own records to score this factor. Applicants without a previous HUD
grant will be awarded full points.
Sub Counseling Outcomes Not

HUD will evaluate the positive impacts that an Applicant’s housing 10 appli

fact cable
counseling services had on clients. HUD will use its own records to
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or C score this factor.
b. Historically Black Colleges and Universities, Tribal Colleges and Universities, and
other Minority Serving Institutions
To receive consideration for funding dedicated for HBCUs and other MSI funding, Applicants
must meet the minimum fundable score required by the CHC grant and provide a complete
response to all questions on the HUD-9906, Chart E. Each response will be weighted as part
of the scoring for this rating factor. Failure to submit a fully completed Chart E may result in
ineligibility for MSI initiative funding.
HUD will use the program application score; narrative response on the Form HUD-9906,
Chart E; and other factors to rate and rank applications. Depending on factors such as the
number of eligible Applicants and other factors, HUD reserves the right to fund less than the
amount requested in the application.
Eligible Activities. The eligible activities are outlined in Section II.A.2.a.ii.A, Funding
Restrictions of this program.
Maximum Award Amounts. Eligible Applicants must indicate a maximum grant request that
will be considered as a cap in establishing the maximum award. An eligible Applicant can
request up to $250,000 as an HBCU or other MSI, or for its partnership and/or its subgrantee
partnership with an HBCU or other MSI. The Applicant may also request up to $150,000 for
each additional partnership and/or its subgrantee partnership with an HBCU or other MSI.
Review and Selection Process. Eligible Applicants interested in this funding must complete
the following information on Form HUD-9906, Chart E.
1. Number of Clients Served. How many housing counseling clients the Applicant or the
Applicant’s network of HBCUs or other MSIs partners plan to serve with the funding
during the period of performance (Chart E, Field 2).
2. Award Amount (Budget). Provide the total amount of funds requested for these
purposes, and if applicable, indicate the amount allocated to each partnership (Chart
E, Fields 3 and 4)
3. Statement of Work. Applicants must describe the following:
1. All proposed eligible activities and major tasks required to successfully
implement the proposed initiative (Chart E, Field 5a).
2. The extent to which there is a need to fund the proposed initiative and the
importance of meeting the need(s) (Chart E, Field 5b).
3. The relevant experience and capacity of the Applicant, its staff, and HBCU or
other MSI partners in implementing the proposed eligible activities (Chart E,
Field 5c).
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4. How the Applicant will measure the outcomes on the target population by the
end of the grant performance period (Chart E, Field 5d).
5. How the Applicant proposes to integrate the institution’s students and faculty
into proposed eligible activities (Chart E, Field 5e).
6. How the community (e.g., businesses, residents, and others) will be involved in
the implementation of the program and how the institution will expand its role in
the target community (Chart E, Field 5f).
7. The other resources (not including HUD’s CHC Grant) that support or fund the
Applicant’s existing housing counseling related partnerships with HBCUs or
other MSIs. Include the dollar amounts of support provided, if applicable (Chart
E, Field 5g).
c. The Housing Counseling Training (HCT) Award and Optional Supplemental MSI
Initiative Award - HUD-9906 Chart G
Your application must include a response to the following criteria, using HUD-9906 Chart G.
The maximum points available are outlined below. The total available is 100 points. HUD
reminds applicants that responses are subject to verification.
HUD-9906
Rating Factor
Chart G
Rating Factor 1. Capacity of the Applicant
This rating factor addresses the Applicant's capacity and
32 points
experience in providing training services for housing
counselors based on past and proposed training activities and
outcomes.
Capacity/Experience of the Organization
Agencies with HECM Roster counselors will be assessed on the
average duration of a counseling session. HUD will use its own
records to score this factor. Using HUD-9906 Chart G1,
Proposed and Past Performance. All Applicants must provide the
Su requested information for all housing counseling training
Chart
b- courses, including those required for certifications such as
G1 +
fac foreclosure and advanced foreclosure certification that the 13
Narrat
tor Applicant and any Applicant partners provided during the prior
ive
A period of performance, October 1, 2024 through September 30,
2025. See instructions for completion on Chart G1, Proposed
and Past Performance. Also indicate in the narrative response:
• Total years of experience by the Applicant as an
organization providing housing counseling training and
total number of housing counselors who have participated
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in your training program in the last three grant years,
October 1, 2022, to September 30, 2025.
• Total years of experience by the Applicant as an
organization providing web-based (interactive or non-
interactive), or other forms of remote training;
• Average years of housing counseling trainer experience
for proposed trainers; and
• Relevant experience providing training in a manner that is
effective for persons with disabilities, including in-person,
web-based, and other forms of remote training.
Performance/Grant Requirements
Applicants that did not receive a HUD Comprehensive Housing
Counseling grant or HUD Housing Counseling Training grant
during the period of October 1, 2024 through September 30,
2025 must provide a response to this sub-factor. Previous HUD
grantees may respond to this sub-factor, but are not required to
do so, as HUD may utilize its own records to score these
compliance issues. In scoring this section, HUD will evaluate
performance relative to goals and how well the Applicant has
satisfied the requirements, including reporting, on HUD or other
grants received. If an Applicant did not receive a HUD Housing
Counseling Training grant for the period October 1, 2024 through
September 30, 2025, the Applicant should base its response on
Chart
activities and requirements under HUD's Housing Counseling
Su G1 +
program, other HUD grants, or other sources of funding, such as
b- Narrat
other federal, state, local, or other awards. For non-HUD training
fac 8 ive +
grants, provide contact information of funding providers.
tor Intern
B • Goals and Accomplishments. Describe performance al
relative to quarterly and annual reports submitted for FY Data
2024 training grant awards or other goals set during the
FY 2024 period of performance (October 1, 2024 through
September 30, 2025), and approved extensions. Indicate
whether funds were fully spent, goals were met, and
explain why they were not, if applicable. If an extension
was required, explain reason(s) for not expending funds
within the grant period.
• HUD Oversight / Audits / Financial and Administrative
Reviews. Significant findings on oversight, Financial and
Administrative Reviews and audits conducted by HUD
staff, HUD contractors and/or HUD's Inspector General
will be taken into consideration when scoring this section.
Significant findings may suggest an Applicant has
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operated its agency in a manner inconsistent with the
Housing Counseling Program or other HUD program
requirements, including waste, fraud and abuse of grant
funds and fair housing or other civil rights requirements.
HUD will develop and apply a scoring scale based on the
number of significant findings documented during a
review(s) and/or audit(s), and incidence of repeat findings,
complaints, etc. HUD will also factor in the Applicant's
responsiveness to findings and implementation of
corrective action, as well as substantiated complaints
received about the organization. HUD may also factor in
frequency and responsiveness to complaints, the
Applicant's responsiveness to findings and
implementation of corrective action, grantee
performance/reporting, and counseling activity reporting.
For agencies not receiving a HUD grant, provide
information and documentation pertaining to oversight /
audits of governing entities.
Measuring Student Feedback
Scoring in this section will reward Applicants that measure
student feedback and make course and/or test adjustments as a
result of student feedback. In addition to completing Chart G1,
Field 4, Applicants must attach a separate narrative that:
Su
Chart
b- i. Describes the process to collect student feedback data;
G1 +
fac ii. Summarizes data collected during the FY 2024 period of 6
Narrat
tor performance, October 1, 2024 through September 30, 2025;
ive
C
iii. Attach a copy of the data collection instruments utilized, if
applicable; and
iv. Describes the course and/or test adjustments made as a
result of student feedback during the FY 2024 period of
performance, October 1, 2024 through September 30, 2025.
Scholarships
Su
Chart G1, Fields 9 and 10 (Past Performance) and Fields 20 and
b-
Chart
21 (Proposed) - List the number of scholarships provided during
fac 5
G1
the FY 2024 period of performance, October 1, 2024 through
tor
September 30, 2025 and proposed for October 1, 2025 through
D
March 2027.
Rating Factor 2. Need and Advancement of Program Priorities
8 points
This rating factor addresses the Applicant's assessment of the
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need for training services for housing counselors and the extent
to which the proposed activities described in response to
Rating Factor 3 address these needs, in addition to certain
Program Priorities.
Su Needs Data 6 Narrat
b- ive
Answer the following:
fac
tor 1) Counselor Needs. Estimate the total number of counselors
A who may require general housing counseling training in FY2025.
Explain how the Applicant estimated this number.
2) Training Needs. Describe and document the overall need
and demand for each of the proposed training activities and
delivery methods (place-based, online-interactive, and on-line
non-interactive) based on current market conditions.
3) Rural Community Training: Rural Areas are defined by the
U.S. Department of Agriculture at 7 C.F.R. 3550.10. Applicants
must also describe how its housing counseling training program
will train counselors who serve consumers in these areas.
4) Opportunity Zone Training: Applicants must also describe
how its housing counseling training program will train counselors
who serve consumers in these areas. For purposes of scoring,
include no more than five (5) eligible Opportunity Zone census
tracts. Opportunity Zones can be identified at
https://www.hud.gov/opportunity-zones.
Su Program Priorities: 2 Narrat
b- ive
The total number of points an Applicant can receive under this
fac
sub-factor is two (2). Each priority addressed below has a point
tor
value of one (1) point. An Applicant may address as few or as
B
many of the priorities as they wish. It is up to the Applicant to
determine which combination of priorities is addressed.
Regardless of the combination selected, a maximum of two (2)
points is available. Applicants must limit responses to 500 words
per program priority.
The following priorities apply to the Housing Counseling Training
funding for the purpose of this program. Indicate if, and describe
how, the Applicant's training work plan substantively addresses
the program priority.
1. Client Self-Sufficiency Planning
Applicants may earn one (1) point by offering training that equips
housing counselors to integrate employment and workforce
placement strategies into housing counseling sessions. Training
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should enable counselors to support clients in identifying
actionable steps to better employment and or less reliance on
government assistance, including self-sufficient, unsubsidized
housing.
2. Lead-Based Paint Risk Education
Applicants may earn one (1) point by describing how they will
train housing counselors to inform clients about lead-based
paint. Housing counselors that provide education or counseling
regarding Pre-Purchase/Home Buying, or Locating, Securing, or
Maintaining Residence in Rental Housing, are to be encouraged
to inform clients about their rights and responsibilities under the
HUD Lead-Based Paint Disclosure Rule (24 C.F.R. Part 35,
Subpart A), and, if the rental or purchase may be HUD-assisted,
requirements of 24 C.F.R. Part 35, Sub-parts B, K, and R.
Rating Factor 3. Soundness of Approach/Scope of Housing 36 points
Counseling Training Services
This rating factor addresses past performance and the quality
and effectiveness of the proposed work plan. In rating this
factor, HUD will evaluate the extent to which the Applicant
presents a detailed and sound approach for providing the
proposed services. HUD will also evaluate the extent to which
the Applicant demonstrates the cost-effectiveness of its
activities and explains how the proposed activities will yield
long-term results.
Past Performance - Impact
To score this factor, HUD will analyze the actual expenditures
and cost per student during FY 2024 period of performance of
October 1, 2024 through September 30, 2025.
• Actual Expenditures - HUD-9906 Chart G2 Budget - HUD
will evaluate the Applicant's submitted detailed,
Chart
Su comprehensive report of actual expenditures from all
G1 +
b- funding sources during the FY 2024 period of
Chart
fac performance of October 1, 2024 through September 30, 5
G2 +
tor 2025. At a minimum, the report must include salaries,
Narrat
A fringe and other benefits, consultant/trainer expenses,
ive
travel (staff, trainers), scholarships, rent (office and
training venues), phone, postage, supplies,
technology/equipment, and indirect costs for
administration of the Applicant's FY 2024 training
program.
Use Chart G2 to submit this information and provide a
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narrative on actual expenditures. Applicants must explain
expenses in excess of fifteen percent (15%) of the overall
budget that did not result in the direct provision of training
services and were not supported by an approved NICRA
or an indirect cost rate. Narrative must be provided to
receive full points. If the Applicant did not receive a HUD
Housing Counseling Program Training Grant during this
time period, provide this information based on the
Applicant's entire training budget for the same period. If
applicable, the report should also include sub-grants or
allocations to Training Partners.
• Cost per Counselor - HUD-9906 Chart G1 Past
Performance - Calculate the cost per counselor by
dividing the Total Expenditures (All Sources) on Chart G2,
Budget by the total number of counselors shown in Chart
G1, Field 2, Past Performance. Enter this number in Chart
G1, Field 11. Explain any factors that may have impacted
the cost per counselor such as number and type of
scholarships, locations, or other training expenses.
• Scholarships - Describe in a narrative the number of
scholarships and percentage of the HUD Housing
Counseling Program Training grant was spent on travel,
lodging, and/or tuition during the FY 2024 period of
performance (October 1, 2024 through September 30,
2025). If the Applicant did not expend a HUD Housing
Counseling Program Training grant during this time
period, provide this information based on the applicant's
entire training budget for the same period. If applicable,
explain any adjustments made to allocation of
scholarships based on changed needs. Also include the
number and type of counseling scholarships issued for
housing counseling certification, HECM default
counseling, Disaster Prevention and Recovery, and
scholarships issued to persons enrolled in a HUD certified
housing counselor workforce development program
sponsored by the HCT grantee and an institution of higher
education including, but not limited to, an HBCU, Tribal
College and University (TCU) or other MSI made available
during the period of performance (October 1, 2024
through September 30, 2025), if applicable.
Su
Work Plan – Proposed Performance Chart
b-
15 G1 +
The Work Plan must describe in detail how the Applicant plans to
fac
develop and administer the proposed training services, including Narrat
tor
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B administrative tasks, marketing, scholarships, and compliance ive
with all required fair housing and civil rights provisions, while
ensuring compliance with the Federal Electronic and Information
Technology Accessibility and Compliance Act, Section
1. Housing Counseling Training. The Applicant must describe via
narrative each course it plans to offer and indicate which of the
housing counseling Eligible Activities listed in Appendix VI the
Applicant proposes to address in each course. Applicants must
denote any national standards that may have been incorporated
into the development of the curriculum. HUD will award higher
points to those Applicants that include courses that support
Disaster Preparation and Recovery, Housing Counseling for
Renters, Foreclosure Prevention, Financial Stability, and
Sustainable Home Ownership.
a. Proposed Curriculum - HUD-9906 Chart G1, Past and
Proposed Performance. Complete this chart and provide the
following:
1) Provide a summary list of proposed courses.
2) Provide a course outline (no more than 2 pages per course)
with the following information:
• Course title.
• Brief course description.
• Delivery type.
• Instructional goals.
• Course length for classroom and web-based sessions.
• All course topics to be covered and learning objectives for
each course. Learning objectives must encompass
comprehension, application, analysis, and synthesis
cognitive levels of learning.
• Understanding and comprehension explaining how
learning checks are incorporated into classroom and web-
based courses.
• Privacy and security policies in place to ensure
counselors taking remote training courses are protected,
and how the remote training will be conducted in a way
that verifies the identity of the student and eliminates the
opportunity for fraud, cheating, and any other
circumstances that would result in questioning the
veracity, impact, and applicability of the training.
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• Identify what criteria, including a course examination, will
be established for successful completion of the course.
• If applicable, indicate the type of counselor certification
this course will be used for.
• Describe the process through which curriculum is
developed. Describe research conducted and indicate
experts consulted for curriculum or test content
development.
b. Administrative Staff and Trainers.
• Number of administrative staff devoted to training program
management for training activities under the application.
• Number of trainers to be utilized for the proposed courses.
• Describe how trainers are selected and the specific
selection criteria employed.
• Describe how the Applicant will monitor trainers including
student feedback.
c. Delivery Methods. As outlined in HUD-9906 Chart G1,
Proposed Performance, indicate the delivery method to be used
for each course to be offered, (in-person, web-based interactive,
or web-based non-interactive). Indicate the number of proposed
courses to be offered (Chart G1, Field 12) and the number of
counselors to be trained (Chart G1, Field 13).
d. Marketing / Enrollment. Applicants must describe plans to
market the training and register counselors. Describe policies
and plans to ensure training enrollment and assistance provision
is open and fair. For example, how will you ensure that
enrollment, eligibility and scholarships may not be restricted to
affiliates or branches of a specific intermediary or conducted in a
way that favors affiliates or branches of a particular organization.
Describe how marketing efforts contribute to ensure that existing
housing counseling capacity is preserved and expanded.
Describe how marketing, enrollment, registration, and requests
for assistance services or reasonable accommodation will
effectively communicate with persons with disabilities.
e. Federal Electronic and Information Technology Accessibility
and Compliance Act, Section 508. Applicants offering training
online must describe how they comply with Section 508
requirements. Please visit https://www.section508.gov/ for more
details.
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Scholarships and Fees
Applicants must describe scholarships and fees for each
proposed activity described within this Work Plan.
(a) Scholarships. The proposal must include a scholarship
element, detailing the full or partial costs to be covered, including
travel (lodging, transportation and per diem), and tuition to be
awarded to housing counselors. Indicate if scholarships will be
made available to:
i. Counselors and staff employed by housing counseling
agencies participating in HUD's Housing Counseling program;
ii. Individuals enrolled in HUD certified housing counselor
workforce development programs, including military veterans
and transitioning service members, administered by the HCT
grantee. Individuals must be sponsored by a HUD participating
housing counseling agency to qualify; and/or
iii. Individuals enrolled in a HUD certified housing counselor
workforce development program sponsored by the HCT grantee
and an institution of higher education including, but not limited to,
Su an HBCU, TCU, or other MSI, as additional funds may be
b- available for these scholarships.
Narrat
fac 10
ive
tor
Describe the types of scholarships that will be offered to students
C
both through this program, as well as through diversified (non-
federal) funding resources, and the methodology applied for
issuing scholarship awards. Discuss plans to maximize the
number of scholarships awarded. Estimate what percentage of
the proposed budget will be earmarked for scholarships, with a
breakdown for tuition and travel (lodging, transportation and per
diem). Applicants must also describe plans for determining how
the various types of scholarship assistance will be distributed
based on the needs identified in Rating Factor 2 including
assistance for counselors in rural areas, while also reducing
travel costs for local participants or areas with limited housing
counseling resources.
Describe the methodology used to determine types of
scholarships made available to Applicants at the beginning of the
application process. Include the anticipated number and type
(lodging, tuition only, tuition & travel) of each type of counseling
scholarship noted above that will be made available during the
grant period of performance October 1, 2025 through March 31,
2027.
(b) Fees. If applicable, indicate the fee the Applicant plans to
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charge for each proposed activity for those students that do not
receive a scholarship for tuition.
Su Training Partners 3 Chart
b- G4,
See definitions of Training Partners in Appendix I Program
fac
Definitions, and Sub-grantees in Appendix I., Program
tor
Definitions.
D
In HUD-9906 Chart G4, list the name of the identified sub-
recipients and/or Training Partners that will enable the Applicant
to successfully implement the proposed work plan and explain in
a narrative the role each partner will play in logistical support,
marketing and outreach for the proposed activities and the
impact on cost-effectiveness. Participation by training partners
shall be limited to services procured by Grantees and Sub-
grantees. Applicants may utilize in-house staff, sub-recipients,
consultants, and Training Partners with requisite experience and
capacity. Indicate the partner's name, type of entity, contact
person and phone number of partner, number of events, if the
partner is past and/or proposed and the amount of funding the
Training Partner contributed or will contribute to that training.
This section will be scored on the number of Training Partners
identified for past and proposed training programs, their role in
the proposed training, and their demonstrated experience in past
training. Their contributions for proposed training plans will be
included as diversified funding sources for Rating Factor 4.
a. Past Training Partners - Provide information on the number of
partnerships that were created during the period of October 1,
2024 through September 30, 2025, including the extension
period of performance, if applicable, and what each partner
contributed to assist in providing more training opportunities for
counselors and/or reduced the cost and/or burden to the
grantee.
b. Proposed Training Partners - Identify Training Partners
proposed for FY 2025 that will assist in providing more training
opportunities for counselors and/or reduce the cost and/or
burden to the grantee as indicated in HUD-9906 Chart G4.
Those Applicants that have established Training Partners will
score higher on this sub factor.
Su Management Activities
b- Applicants must describe management activities that will be 3 Narrat
fac ive
performed as part of the projected work plan, including
tor
monitoring and oversight of agency staff and if applicable, sub-
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E recipients and/or Training Partners. Also describe what process
will be used to select proposed sub-recipients and/or Training
Partners and to determine sub-funding levels.
Rating Factor 4. Diversified Funding Sources 12 points
Itemized Diversified Funding Sources
Although HUD funding through this program may fully fund an
organization's proposed HCT program, Applicants are
encouraged to secure the use of other resources to supplement
the HUD award. Points for this Rating Factor will be awarded
based on the amount of diversified funding resources that meets
the criteria in this section. Applicants that can demonstrate
diversified funding resources from Training Partners described in
Rating Factor 3B, will receive higher scores in this factor.
Applicants who have no other resources available will receive no
points for this Rating Factor. Do not include the same diversified
funding identified for the FY 2025 Comprehensive Housing
Counseling Program.
Applicants will be evaluated based on their ability to show that
they have obtained additional non-Federal resources for their
housing counseling training activities, for the period, including: SF-
Su
direct financial assistance (grants); fees; and in-kind 424 +
b-
contributions such as services, equipment, office space, labor;
Chart
fac 12
etc. Resources may be provided by non-federal government
s G3
tor
sources, public or private non-profit organizations, for-profit
and
A
private organizations, or other entities committed to providing
G4
assistance. Grantees will be required to maintain evidence that
diversified funding resources cited in this application were
actually provided to the agency. Funding files and/or diversified
funding resource documentation will be reviewed by HUD staff
as a part of the performance reviews and on-site monitoring
visits.
Do NOT include funding from federal sources such as, but not
limited to, the Community Development Block Grants (CDBG),
Fair Housing Initiatives program (FHIP), and HOME Investment
Partnerships program (HOME).
Attorneys General Mortgage Settlement funds are not
considered Federal and therefore can count toward diversified
funding resources.
A. Diversified Funding Sources. Utilize the following charts
and provide the following information:
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• HUD-9906 Chart G3 - Diversified Funding (3 points)
• HUD-9906 Chart G4 - Training Partners (2 points)
All Applicants must itemize the list of diversified funding
resources for the Applicant itself, and for each proposed sub-
grantee and identified Training Partners. All Applicants must
provide a list of all proposed sub-grantees they propose to fund
and itemize for each the names of the organizations providing all
diversified funding resources and in-kind contributions. Include
the total amount and the source of funds. Applicants must also
list all Training Partners collaborated with during the previous
performance period (October 1, 2024 – September 30, 2025)
and proposed during the upcoming performance period (October
1, 2025 – March 31, 2027), using funds earmarked by the
Training Partners to support housing counseling training.
Applicants that fail to provide this information may not receive
any points for this factor. All diversified funding resources
claimed by an Applicant, including cash and third party in-kind,
must meet all of the criteria set forth in 2 C.F.R. Part 200.
Responses should be consistent with the funds total estimated
funding amount shown on the SF-424, and the documentation
for this Rating Factor. Resources provided by the Applicant may
count as diversified funding resources. These amounts must
include only funds that will directly result in the provision of
housing counseling training. These funds must also be reflected
in the SF-424.
B. Fees. While agencies are strongly encouraged to
aggressively seek funds from other private and public sources,
fee income can be counted as diversified funding resources.
Applicants claiming fee income must project the total income
anticipated from fees. Fee income should be identified as
program income on line 18, Estimated Funding, f. Program
Income of SF-424 "Application for Federal Assistance".
Rating Factor 5. Achieving Results and Program Evaluation 12 points
This Rating Factor emphasizes HUD's determination to ensure
that Applicants meet the commitments made in their
applications and cooperative agreements and assess their
performance in achieving agreed upon performance goals. This
factor reflects HUD's Strategic Goal to embrace high standards
of ethics, management and accountability. In scoring this
section, HUD will consider Applicant methodologies used to
evaluate overall program performance and whether the
Applicant submitted their organization's transition or
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succession plan.
Evaluation Plan
Su In responding to this factor, Applicants must indicate how they
b-
evaluate the impact of the training program. The Applicant must
Narrat
Fa 4
describe an evaluation plan that explains what will be measured,
ive
cto
how an Applicant is going to measure it, and the steps in place to
r A adjust its work plan if performance targets are not met within
established time frames.
Grant Expenditure History
In scoring this section, HUD will utilize its own records to
evaluate Applicant compliance with programmatic requirements
and expenditure results during the FY 2024 period of
performance October 1, 2024 through September 30, 2025.
Su Intern
Applicants that were unable to expend HUD grant funds within
b- al
the designated performance period(s) will not receive full points.
Fa 8 data +
cto If an Applicant has not received a HUD Housing Counseling Narrat
r B Training grant for the prior grant period, the Applicant should ive
provide a narrative on activities and requirements under other
sources of funding, such as other federal, state, local, or other
awards. Provide contact information of all funders. Applicants
that were unable to expend grant funds from all sources within
the designated performance period(s) will not receive full points.
This NOFO does not offer any preference points.
2. Other Factors
a. Budget
The panel will review but not approve the budget. The panel will assess whether the budget
aligns with planned program activities and objectives. Panel members will consider whether
the budget and the requested performance period are fully justified and reasonable in relation
to the proposed project.
_________. Certification of Consistency with the Consolidated Plan
C. Risk Review
Before making an award, HUD will evaluate each applicant’s likelihood of successfully
implementing an award based on the following criteria.
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• OMB-designated repositories of governmentwide data, as noted in 2 CFR 200.206(a)
• History of performance. The applicant’s record in managing Federal awards, if it is a
prior recipient of Federal awards, including timeliness of compliance with applicable
reporting requirements, failing to make significant progress in a timely manner, failing
to meet planned activities in a timely manner, conformance to the terms and conditions
of previous Federal awards, and, if applicable, the extent to which any previously
awarded amounts will be expended prior to future awards
• Reports and findings from audits performed under 2 CFR part 200, subpart F—Audit
Requirements or the reports and findings of any other available audits
• The applicant's ability to effectively implement statutory, regulatory, or other
requirements imposed on non-Federal entities
• Capacity of the applicant, including staffing structures and capabilities
• History of timely completion of activities and receipt and expenditure of promised
matching or leveraged funds
• Ability to promote self-sufficiency and economic independence
• Ability to produce positive outcomes and results
• Other public sources such as newspapers, Inspector General or Government
Accountability Office reports or findings, or other complaints that have been proven to
have merit
• History of subsidizing or facilitating activities that conflict with the purposes of this
NOFO
HUD may reduce scores based on the past performance review, as specified under
V.A. Review Criteria. Whenever possible, HUD will obtain and review past
performance information. If this review results in an adverse finding related to integrity
of performance, HUD reserves the right to take any of the remedies provided in the
General Statutory and Regulatory Requirements Affecting Eligibility for HUD’s
Financial Assistance Programs - FY2025 | HUD.gov / U.S. Department of Housing and
Urban Development (HUD)
HUD may use the results of the risk review to make funding decisions and to apply award
conditions.
D. Selection Process
When making funding decisions, HUD will consider:
• Eligibility requirements, including threshold review results.
• Merit review results.
• Risk review results.
To the extent allowed by law, HUD may:
• Fund applications in whole or in part.
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I. Basic II. Eligibility III. Program IV. Application V. Application VI. Submission VII. Post-Award VIII. Contact and Appendix
Information Description Contents and Review Requirements and Requirements and Support
Format Information Deadlines Administration
• Fund applications at a lower amount than requested.
• Choose to fund no applications under this NOFO.
• Adjust funding for an application, to ensure funding or geographic dispersion, and
alignment with program or administrative priorities.
• Withdraw an award offer and make an offer of funding to another eligible application, if
terms and conditions are not finalized or met.
• Use additional funds made available after NOFO publication to either fully fund an
application or fund additional applications.
• Correct HUD review and selection errors. If HUD commits an error that causes an
applicant not to be selected, HUD may make an award to that applicant when and if
funding is available.
• Release another NOFO, if funding is available and if HUD does not receive
applications of merit.
1. Comprehensive Housing Counseling (CHC)
Review and Selection Process.
Technical Review. First, a technical sufficiency review will determine whether each
application meets the threshold requirements set forth in this program and whether all
required forms have been properly submitted. Section VI.C.2 provides the procedures to
correct a deficient application.
General Review. The second review will evaluate the responses to each Rating Factor
outlined above and other relevant information. Applications will be evaluated competitively
and ranked against other Applicants that applied in the same funding category.
Minimum Fundable Score. All applications will be scored on a 100-point scale. For FY2025,
HUD anticipates making awards to all Applicants scoring 75 points or greater from this
section. To be eligible for any funding under the program, Applicants must meet the minimum
fundable score. If available funds are insufficient to provide grants to all Applicants achieving
the minimum fundable score, grants will be awarded in rank order until all available funds
have been distributed. HUD reserves the right to adjust the minimum fundable score.
Funding Methodology. Awards will be determined based on performance within HUD’s CHC
Program and other relevant criteria, as described below.
Applicants may also indicate a maximum grant request (Chart A, Field K) that will be
considered as a cap in establishing the maximum CHC award. Separately, Applicants
applying for the HBCUs, Tribal Colleges and Universities, and other MSIs initiative must
indicate their desired award amount on Chart E.
Although HUD will determine the total award amount for each Applicant, Grantees
themselves will determine the actual funding amounts to be distributed to Subgrantees and/or
Branches. HUD may adjust the base award according to previous years’ CHC grant
V. Application Review Information FR-6900-N-33 Page 47 of 89

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I. Basic II. Eligibility III. Program IV. Application V. Application VI. Submission VII. Post-Award VIII. Contact and Appendix
Information Description Contents and Review Requirements and Requirements and Support
Format Information Deadlines Administration
performance, including timely use of HUD funds and funds recapture.
(a) Competitive Funding Amount. Higher scoring submissions may receive incentive
funding.
(b) Funding to Monitor a Network. HUD may augment the award for oversight and quality
control activities. HUD may base a portion of this calculation on an Applicant's plan to review
members of its funded network using form HUD-9910 and to share results and follow-up
actions with HUD (Chart C). Chart C, Field 4 includes a space for Applicants to indicate the
number of funded Subgrantees and Branches that they propose to review during the
upcoming performance period. The bonus will be capped at the lesser of a) five reviews, or b)
50% or less of the Applicant’s funded network.
(c) Number of Counselor FTEs. HUD may augment the award based on the number of
HUD-Certified Housing Counselor Full-Time Equivalents (FTEs) that provide housing
counseling services as of September 30, 2024 (Chart A, Field D). Applicants that provide
counseling services at their main office may count the number of housing counselor FTEs at
the main office in addition to the offices of Subgrantees and/or Branches.
(d) Number of Clients Served. HUD may augment the award based on total clients served,
as reported on the Applicant's previous fiscal year’s HUD-9902.
(e) Funding of Reverse Mortgage Counseling. HUD may augment the award based on the
number of HECM Roster Counselors that provide housing counseling services as of
September 30, 2024 (Chart A, Field E).
(f) Funding for New HECM Certified Counselors. HUD may provide funding incentives for
awardees employing counselors who become HECM-certified during the period of
performance. To be eligible for this incentive, the counselors must not have been on the
HECM counselor roster prior to the start of the period of performance. Interested applicants
shall indicate in their application how many new HECM Roster Counselors the applicants
propose to add during the FY2025 period of performance. HUD reserves the right to adjust
the incentive based on the proposed number of new roster counselors. HUD shall consider
various factors, including the number of new roster counselors proposed by the applicant, the
total number proposed by all awarded applicants, each awardee’s current capacity and
HECM history, and the total amount of funding available for this incentive. (Chart A, Field F).
Funds Recapture. HUD may decrease the award amount if changes to the network size,
number of HUD-Certified Housing Counselor FTEs, or services provided would result in a
lower amount than was awarded and reserves the right to recapture all or part of the resulting
grant. Additionally, HUD may recapture funds unspent in the time allotted.
Mergers, Acquisitions, and Other Changes in Organizational Structure. Anticipated
mergers, acquisitions, or other changes in Grantee(s) legal or organizational structure must
be reported to Grantee’s Point of Contact in HUD’s Office of Housing Counseling no later
than sixty (60) days prior to the implementation of such changes. However, HUD encourages
grantees to report such changes as early as possible to ensure that the organization remains
eligible for grant funds. In the case of a simple name change, HUD may make the award in
the name of the newly named entity. In the case of a merger, the new or merged entity may
V. Application Review Information FR-6900-N-33 Page 48 of 89

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I. Basic II. Eligibility III. Program IV. Application V. Application VI. Submission VII. Post-Award VIII. Contact and Appendix
Information Description Contents and Review Requirements and Requirements and Support
Format Information Deadlines Administration
be eligible to receive grant funding made to the original Grantee(s), provided they meet
certain conditions, including but not necessarily limited to:
• The new or merged entity receives HUD approval as a housing counseling agency and
demonstrates in its application that it meets all eligibility requirements for a HUD-
approved housing counseling agency in Section 106, 24 C.F.R. Part 214, and HUD
Handbook 7610.1, including oversight and reporting, housing counseling experience
and staffing;
• The newly named entity has a UEI, has registered in SAM and has passed the IRS
check conducted as part of the SAM registration process;
• The Name Check review process has been conducted for the proposed new awardee;
• An amendment to the award agreement assigning the award to the new entity is
completed; and
• A new LOCCS access form has been filed with the HUD Accounting Office.
Historically Black Colleges and Universities, Tribal Colleges and Universities, and
other Minority Serving Institutions.
Review and Selection Process. Eligible Applicants interested in this funding must complete
the following information on Form HUD-9906, Chart E.
Number of Clients Served. How many housing counseling clients the Applicant or the
Applicant’s network of HBCUs or other MSIs partners plan to serve with the funding (Chart E,
Field 2).
Award Amount (Budget). Provide the total amount of funds requested for these purposes,
and if applicable, indicate the amount allocated to each partnership (Chart E, Field 3).
Statement of Work. Applicants must describe the following.
• All proposed eligible activities and major tasks required to successfully implement the
proposed initiative (Chart E, Field 5a).
• The extent to which there is a need to fund the proposed initiative and the importance
of meeting the need(s) (Chart E, Field 5b).
• The relevant experience and capacity of the Applicant, its staff, and HBCU or other
MSI partners in implementing the proposed eligible activities (Chart E, Field 5c).
• How the Applicant will measure the outcomes on the target population by the end of
the grant performance period (Chart E, Field 5d).
• How the Applicant proposes to integrate the institution’s students and faculty into
proposed eligible activities (Chart E, Field 5e).
• How the community (e.g., businesses, residents, and others) will be involved in the
implementation of the program and how the institution will expand its role in the target
community (Chart E, Field 5f).
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I. Basic II. Eligibility III. Program IV. Application V. Application VI. Submission VII. Post-Award VIII. Contact and Appendix
Information Description Contents and Review Requirements and Requirements and Support
Format Information Deadlines Administration
• The other resources (not including HUD’s CHC Grant) that support or fund the
Applicant’s existing housing counseling related partnerships with HBCUs or other
MSIs. Include the dollar amounts of support provided, if applicable (Chart E, Field 5g).
Housing Counseling Training (HCT) Review and Selection Process
1. Past Performance
In evaluating applications for funding, HUD will consider an applicant’s past performance in
managing funds. Items HUD will consider include, but are not limited to:
• OMB-designated repositories of government wide data, as noted in 2 C.F.R.
200.206(a)
• The ability to account for funds in compliance with applicable reporting and
recordkeeping requirements
• Timely use of funds received from HUD
• Timely submission and quality of reports submitted to HUD
• Meeting program requirements
• Meeting performance targets as established in the grant agreement
• The applicant's organizational capacity, including staffing structures and capabilities
• Timely completion of activities and receipt and expenditure of promised matching or
diversified funding sources
• The number of persons served or targeted for assistance
• Timely use of funds received from HUD
HUD may reduce scores based on the past performance review, as specified under V.D.3.
HCT Review Criteria. Whenever possible, HUD will obtain and review past performance
information. If this review results in an adverse finding related to integrity of performance,
HUD reserves the right to take any of the remedies provided in the General Statutory and
Regulatory Requirements Affecting Eligibility for HUD’s Financial Assistance Programs -
FY2025 | HUD.gov / U.S. Department of Housing and Urban Development (HUD)
2. Assessing Applicant Risk
In evaluating risks posed by applicants, HUD may use a risk-based approach and may
consider any items such as the following:
(1) Financial stability;
(2) Quality of management systems and ability to meet the management standards
prescribed in this part;
(3) History of performance. The applicant's record in managing Federal awards, if it is a prior
recipient of Federal awards, including timeliness of compliance with applicable reporting
requirements, failing to make significant progress in a timely manner, failing to meet planned
activities in a timely manner, conformance to the terms and conditions of previous Federal
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[Document continues — 39 more pages]

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426.pdf

OMB Number. 2501-0044
Expiration Date: 2/28/2027
Indirect Cost Information for Award Applicant/Recipient
1. Federal Program/Assistance Listing Program Title:
2. Legal Name of Applicant/Recipient:
3. Indirect Cost Rate Information for the Applicant/Recipient:
Please check the box that applies to the Applicant/Recipient and complete the table only as provided
by the instructions accompanying this form.
☐ The Applicant/Recipient will not charge indirect costs using an indirect cost rate.
☐ The Applicant/Recipient will calculate and charge indirect costs under the award by applying a
de minimis rate as provided by 2 CFR 200.414(f), as may be amended from time to time.
☐ The Applicant/Recipient will calculate and charge indirect costs under the award using the
indirect cost rate(s) in the table below, and each rate in this table is included in an indirect cost
rate proposal developed in accordance with the applicable appendix to 2 CFR part 200 and, if
required, has been approved by the cognizant agency for indirect costs.
Agency/department/major Indirect cost Type of Direct Cost Type of Rate
function rate Base
%
%
%
4. Submission Type (check only one): 5. Effective date(s):
☐ Initial submission ☐ Update
6. Certification of Authorized Representative for the Applicant/Recipient:
**Under penalty of perjury, I certify on behalf of the Applicant/Recipient that
(1) all information provided on this form is true, complete, and accurate, and
(2) the Applicant/Recipient will provide HUD with an update to this form immediately upon learning
of any change in the information provided on this form, and
(3) I am authorized to speak for the Applicant/Recipient regarding all information provided on this
form.
Signature: _____________________________________________ Date: _____________________
Name: ________________________________________ Title: _____________________________
**Warning: Anyone who knowingly submits a false claim or makes a false statement is subject to criminal and/or civil penalties, including
confinement for up to 5 years, fines, and civil and administrative penalties (18 U.S.C §§ 287, 1001, 1010, 1012, 1014; 31 U.S.C. § 3729, 3802; 24
CFR § 28.10(b)(1)(iii)).
Public Reporting Burden Statement: This collection of information is estimated to average 0.25 hours per response, including the time for
reviewing instructions, searching existing data sources, gathering, and maintaining the data needed, and completing and reviewing the collection
of the requested information. Comments regarding the accuracy of this burden estimate and any suggestions for reducing this burden can be sent
to: U.S. Department of Housing and Urban Development, Office of the Chief Data Officer, R, 451 7th St SW, Room 8210, Washington, DC
20410-5000. Do not send completed forms to this address. This agency may not conduct or sponsor, and a person is not required to respond to, a
collection of information unless the collection displays a valid OMB control number. This agency is authorized to collect this information under
Section 102 of the Department of Housing and Urban Development Reform Act of 1989. The information you provide will enable HUD to carry
out its responsibilities under this Act and ensure greater accountability and integrity in the provision of certain types of assistance administered by
HUD. This information is required to obtain the benefit sought in the grant program. Failure to provide any required information may delay the
processing of your application and may result in sanctions and penalties including of the administrative and civil money penalties specified under
24 CFR §4.38. This information will not be held confidential and may be made available to the public in accordance with the Freedom of
Information Act (5 U.S.C. §552). The information contained on the form is not retrieved by a personal identifier, therefore it does not meet the
threshold for a Privacy Act Statement.
Form HUD-426 (11/2024)

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OMB Number. 2501-0044
Expiration Date: 2/28/2027
Instructions for Completing the Indirect Cost Information for the Award Applicant/Recipient
Number Item Instructions
1 Federal Program/ Enter the title of the program as listed in the applicable funding
Assistance Listing announcement or notice of funding availability.
Program Title
2 Legal Name of Enter the legal name of the entity that will serve as the recipient of the
Applicant/ award from HUD.
Recipient
3 Indirect Cost Rate Mark the one (and only one) checkbox that best reflects how the indirect
Information for the costs of the Applicant/Recipient will be calculated and charged under the
Applicant/ award. Do not include indirect cost rate information for subrecipients.
Recipient The table following the third checkbox must be completed only if that
checkbox is checked. When listing a rate in the table, enter the percentage
amount (for example, “15%”), the type of direct cost base to be used (for
example, “MTDC”), and the type of rate (“predetermined,” “final,”
“fixed,” or “provisional”).
If using the Simplified Allocation Method for indirect costs, enter the
applicable indirect cost rate and type of direct cost base in the first row of
the table.
If using the Multiple Allocation Base Method, enter each major function of
the organization for which a rate was developed and will be used under the
award, the indirect cost rate applicable to that major function, and the type
of direct cost base to which the rate will be applied.
If the Applicant/Recipient is a government and more than one agency or
department will carry out activities under the award, enter each agency or
department that will carry out activities under the award, the indirect cost
rate(s) for that agency or department, and the type of direct cost base to
which each rate will be applied.
To learn more about the indirect cost requirements, see 2 CFR part 200,
subpart E, and the applicable appendix that is listed under 2 CFR
200.414(e).
4 Submission Type Check the appropriate box to identify whether this is the first submission
of this form for the award or an update to a previous submission of this
form for the award.
5 Effective date(s) Enter the date(s) for which the information on this form applies.
6 Certification of An employee or officer of the Applicant/Recipient with the capacity and
Authorized authority to make this certification for the Applicant/Recipient must make
Representative for the certification by signing as provided. They must also provide the date of
the Applicant/ their signature, full name, and position title.
Recipient
Form HUD-426 (11/2024)

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Form HUD-9906 (formerly HUD-9906 L & P, HUD-91045, HUD-92910).pdf

INTRODUCTION TO THE COMPREHENSIVE HOUSING COUNSELING AND HOUSING COUNSELING
TRAINING NOFO (FY2025) CHARTS
To successfully apply for the Comprehensive Housing Counseling and the Housing Counseling Training Notice of Funding
Opportunity (NOFO) Fiscal Year 2025, Applicants should review the NOFO in its entirety and carefully follow the application
instructions.
The instructions on this page are specific to the program in which Applicants seek to apply.
Comprehensive Housing Counseling (CHC)
The Comprehensive Housing Counseling (CHC) application requires Applicants to submit responses using the HUD-9906,
which includes Chart A (formerly Form HUD-9906-L and Form HUD-9906-P, Charts A1 and A2), Chart B (formerly Form HUD-
9906-L and Form HUD-9906-P, Charts B1 and B2), Chart C (formerly Form HUD-9906-L and Form HUD-9906 P Charts C1
and C2), and Chart D (formerly Form HUD-9906-L and Form HUD-9906-P, Charts D1 and D2). In addition to these charts,
Applicants that are an Intermediary, State Housing Finance Agency (SHFA), or Multi-State Organization (MSO) will need to
submit a completed HUD-9906 Chart A Supplement (Excel), formerly Form HUD-9906 Chart A2 Supplement (Excel).
Additionally, all Applicants will need to submit HUD-9906 Chart F (Excel), to identify all non-federal, diversified funding
resources used to support housing counseling activities during October 1, 2024 through September 30, 2025.
Applicants interested in being considered for the Minority Serving Institutions (MSI) Initiative funding will need to complete
HUD-9906 Chart E.
Failure to submit the completed HUD-9906 Chart A, B, C, D, HUD-9906 Chart A Supplement (Excel), or HUD-9906 Chart F
(Excel) will impact the Applicant's ability to reach the minimum fundable score for the CHC grant. Failure to submit a fully
completed Chart E may result in ineligibility for MSI Initiative funding.
Housing Counseling Training (HCT)
The Housing Counseling Training (HCT) application was formerly submitted under the Training Notice of Funding
O pportunity or TNOFO. Applicants interested in being considered for the HCT award must complete HUD-9906 Chart G,
which consists of four separate charts, to receive full points. The charts include Chart G1 (formerly HUD-92910 Charts A
and Chart B), Chart G2 (formerly HUD-92910 Chart C), Chart G3 (formerly HUD-92910 Chart D), and Chart G4 (formerly
HUD-92910 Chart E). Applicants interested in being considered for an MSI HCT award will not need to submit HUD-9906
Chart E, but must include a scholarship element, detailing the full or partial costs to be awarded to individuals enrolled in a
HUD-certified housing counselor workforce development program sponsored by the Applicant and an institution of higher
education including, but not limited to, Historically Black Colleges and Universities (HBCU), Tribal Colleges and Universities
(TCU), or other Minority Serving Institutions (MSI).
1
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Table of Contents
INTRODUCTION TO THE COMPREHENSIVE HOUSING COUNSELING AND HOUSING COUNSELING
TRAINING NOFO (FY2025) CHARTS ................................................................................................................................ 1
OVERVIEW OF THE COMPRHENSIVE HOUSING COUNSELING AND HOUSING COUNSELING TRAINING
NOFO (FY2025) CHARTS................................................................................................................................................... 3
BURDEN STATEMENT ....................................................................................................................................................... 4
CHARTS A-F, COMPREHENSIVE HOUSING COUNSELING ........................................................................................ 5
CHART A, APPLICANT CHARACTERISTICS .................................................................................................................. 5
CHART A SUPPLEMENT (EXCEL) ................................................................................................................................... 6
CHART B, VULNERABLE POPULATIONS ...................................................................................................................... 7
CHART C, OVERSIGHT ACTIVITIES ............................................................................................................................... 9
CHART D, HOUSING COUNSELING PROGRAM EXPENSES ........................................................................................... 10
CHART E, HISTORICALLY BLACK COLLEGES AND UNIVERSITIES, TRIBAL COLLEGES AND UNIVERSITIES, AND
OTHER MINORITY SERVING INSTITUTIONS (MSI) ..................................................................................................... 11
CHART F, DIVERSIFIED FUNDING (EXCEL) ................................................................................................................ 16
CHART G, HOUSING COUNSELING TRAINING ........................................................................................................... 17
Chart G1, PROPOSED AND PAST PERFORMANCE ................................................................................................... 17
CHART G2, BUDGET ..................................................................................................................................................... 19
CHART G3, DIVERSIFIED FUNDING SOURCES ......................................................................................................... 20
CHART G4, TRAINING PARTNERS ............................................................................................................................... 21
2
OMB Control Number: 2501-0044
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OVERVIEW OF THE COMPREHENSIVE HOUSING COUNSELING AND HOUSING
COUNSELING TRAINING NOFO (FY2025) CHARTS
This document includes the forms for two Grant programs in the NOFO: Comprehensive Housing Counseling (CHC) and Housing
Counseling Training (HCT). These two programs have distinct eligibility criteria. If eligible, Applicants may apply to one or more of these
programs. To be considered for the MSI award, you must meet the minimum fundable score for each applicable program.
Instructions: Please check the box below in Column 1 for each program in Column 2 in which you are applying.
Review the eligibility information in Column 3 and refer to the applicable pages in Column 4 for forms related to each program.
Complete and submit the corresponding applicable grant forms and charts identified in Columns 5 and 6.
See NOFO Section IV. A-D for information about other mandatory forms. See NOFO Section V. A-D for threshold requirements of grant
programs and the review and selection process for grant applications.
Comprehensive Housing Counseling (CHC) and the Housing Counseling Training (HCT) NOFO (FY2025)
1 2 3 4 5 6
OHC Supplement
Check Box
Applicable Excel Charts
for Each Application
Program Eligible Applicants Pages in this (For Intermediary,
Grant Form
Form SHFA, or Multi-State
Application
Org. Applicants Only)
Housing Counseling Agencies
approved to participate in the HUD-9906,
HUD Housing Counseling Charts A, B, C, HUD-9906 Chart A
CHC Pages 5-16
Program prior to the NOFO D, and Chart F Supplement (Excel)
issue date. See NOFO, II. (Excel)
Eligibility
HUD-9906,
Eligible CHC Applicants who
Charts A, B, C, HUD-9906 Chart A
CHC MSI submit a completed CHC Pages 5-16
D, E, and Chart Supplement (Excel)
application.
F (Excel)
Public or private non-profit
organization as described in
section 501(a), pursuant to
section 501(c) of the Internal
Revenue Code of 1996 (26
U.S.C. 501(a) and (c)), other HUD-9906
than an institution of higher Charts G, G1,
HCT Pages 17-21 Not Applicable
education, with a minimum G2, G3, and
two (2) years of experience G4
providing housing counseling
training services nationwide to
housing counselors employed
by HUD-approved Housing
Counseling Agencies.
HUD-9906
Eligible HCT Applicants who
HCT MSI Charts G, G1,
submit a completed HCT Pages 17-21 Not Applicable
G2, G3, and
application.
G4
3
OMB Control Number: 2501-0044
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BURDEN STATEMENT: COMPREHENSIVE HOUSING COUNSELING AND THE HOUSING
COUNSELING TRAINING NOFO (FY2025) CHARTS A-G, CHART A SUPPLEMENT (EXCEL), AND
CHART F (EXCEL)
Burden Statement: Public reporting burden for this collection of information is estimated to average 142 hours per response, including
the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and
reviewing the collection of information. Comments regarding the accuracy of this burden estimate and any suggestions for reducing this
burden can be sent to U.S. Department of Housing and Urban Development, Office of the Chief Data Officer, R, 451 7th St SW, Room
4176, Washington, DC 20410-5000 or email: PaperworkReductionActOffice@hud.gov. The information is being collected for a housing
counseling agency to participate in HUD’s Housing Counseling program and is required to obtain or retain benefits. No confidentiality is
assured. The information will be used by HUD to ensure that Counselors provide guidance and advice to help families and individuals
improve their housing conditions and meet the responsibilities of tenancy and homeownership. Counselors also help borrowers avoid
predatory lending practices, such as inflated appraisals, unreasonably high interest rates, unaffordable repayment terms, and other
conditions that can result in a loss of equity, increased debt, default, and foreclosure. This agency may not collect this information, and
you are not required to complete this form, unless it displays a valid OMB control number.
I/We, the undersigned, certify under penalty of perjury that the information provided above is true, accurate, and correct.
WARNING: Anyone who knowingly submits a false claim or makes a false statement is subject to criminal and/or civil penalties,
including confinement for up to 5 years, fines, and civil and administrative penalties. (18 U.S.C. §§ 287, 1001, 1010, 1012, 1014; 31
U.S.C. § 3729, 3802).
I agree to the above certification statement.
4
OMB Control Number: 2501-0044
Expiration: 2/28/2027

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CHARTS A-F, COMPREHENSIVE HOUSING COUNSELING
CHART A, APPLICANT CHARACTERISTICS
(Formerly Form HUD-9906-L, Form HUD-9906-P, and Charts A1 and A2)
Name of Applicant:
A1) Location City: State:
A2) HUD Housing Counseling System (HCS) Number:
INSTRUCTIONS
MSO, Intermediary, and SHFA Applicants
LHCA Applicants Applicant must verify Subgrantees included have not been terminated from the Housing
Counseling Program and have their own unique HCS number at the time of application.
Fields A3, A4, B, and C: Do not answer Fields A3-K: Complete Chart A Supplement (Excel); transcribe the information totals into
the labeled fields in the chart below. Attach Chart A Supplement in Excel to your Grants.gov
Fields D, E, and F: Provide the correct application.
number of total certified counselors Full-
Time Equivalents (FTEs), total HECM FTEs,  Field A3 and A4: Provide the number of eligible Branches/Subgrantees
and new HECM counselors.  Fields B and C: Provide award allocation percentages for Applicant and its
Branches/Subgrantees. Enter a whole number. For example, 50% would be entered
Fields G and H: Enter an “x” if applicable. as 50 in the field.
 Fields D, E, and F: Provide total number of FTEs
Fields I through J: Enter an "x" in the fields  Fields G-J: Provide number of applicable Branches/Subgrantees
below for modes of housing counseling  Field K: Indicate maximum grant request. If none, leave blank.
services you will provide during the grant
period.
Field K: Indicate maximum grant request. If
none, leave blank.
MSO, Intermediary,
LHCAs only
and SHFA only
A3 Total # of branches of an Intermediary, MSO, or SHFA
A4 Total # of subgrantees of an Intermediary, MSO, or SHFA
B % of award Applicant intends to allocate to itself (enter a whole number)
% of award Applicant intends to allocate to its Branches/Subgrantees (enter a whole
C
number)
D Number of FTE HUD Certified Housing Counselors
E Number of FTE HECM Roster Housing Counselors
F Number of counselors to be added to the HECM Roster
Housing counseling agency staff have attended a housing counseling training provided
G
by HUD or a Training (HCT) NOFO Grantee within the last two (2) years
One or more housing counseling program staff have three (3) or more years of
H experience as a HUD-certified housing counselor or performing other program work as
an employee of a HUD-approved housing counseling agency
I Client exit or follow-up surveys are issued
J Evidence of client follow-up is maintained in the client file
K Maximum grant requested (if none, leave blank)
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CHART A SUPPLEMENT (EXCEL)
(Formerly HUD-9906 Chart A2 Supplement (Excel))
MSO, Intermediary, and SHFA applicants must fill out and attach HUD-9906 Chart A Supplement (Excel) to their Grants.gov application.
Failure to complete and submit this form may result in loss of points.
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Expiration: 2/28/2027

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CHART B, VULNERABLE POPULATIONS
(Formerly Form HUD-9906-L and Form HUD-9906-P, Charts B1 and B2)
Instructions: The Applicant must complete Fields A through C.
Note: Any actions taken in furtherance of the components of this section must be consistent with federal nondiscrimination
requirements.
(A) Opportunity Zones. Applicants must describe whether the Applicant’s main office and/or its network provide services within an
Opportunity Zone and what housing counseling services are provided in the areas designated as Opportunity Zones. For purposes
of scoring, include no more than five (5) eligible census tracts. Opportunity Zones can be identified at
https://www.hud.gov/opportunity-zones. The Applicant will receive zero points if the Applicant's main office is not located within an
Opportunity Zone or if the Applicant's network does not provide services within an Opportunity Zone (limit 1,000 characters).
(B) Experience Working with HUD-Assisted Households and Eligible Homeowners. Applicants must describe their experience
working with HUD-assisted households and eligible homeowners. Examples include renters assisted through the Housing Choice
Voucher, Project-Based Rental Assistance, and Public Housing programs, as well as Federal Housing Administration (FHA)-
insured borrowers (see Appendix I definition). Applicants should highlight their success in helping renters transition from HUD-
assisted housing to stable, secure, non-assisted housing; and/or assisting homeowners in preventing or resolving mortgage
delinquency; and/or providing non-delinquency post-purchase counseling on issues such as home maintenance and financial
management, budgeting, and refinances (limit 2,000 characters).
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(C) Emergency Preparedness and Recovery. Applicants must describe their experience assisting individuals and families with
disaster preparedness counseling, resilience building, and post-disaster recovery counseling. Applicants must describe their
experience with disaster preparedness and recovery counseling to tenants in HUD-assisted housing and homeowners with federally-
insured mortgages to help reduce long-term recovery costs and minimize the financial impact on federal resources. Applicants should
explain how the agency plans to help clients reduce long-term recovery costs and minimize the financial impact on federal
resources (limit 1,000 characters).
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CHART C, OVERSIGHT ACTIVITIES
(Formerly Form HUD-9906-L and Form HUD-9906 P Charts C1 and C2)
LHCA Applicants: Check the box in Column A if the oversight and quality control activities will be A B
performed during the grant period.
Intermediary,
Intermediary, MSO, and SHFA Applicants: Enter the number of branches/subgrantees in Column B LHCA
MSO, SHFA
for which oversight and quality control activities will be performed during the grant performance Applicants
Applicants
period.
Grant Expenditures. Grantee (and as applicable, its branches/subgrantees) maintains
1 supporting documentation, including personnel expense documentation that satisfies 2 CFR
YES
200.430(i) requirements, invoices, client file lists, or similar forms of documentation.
Supervisory Monitoring. Grantee (and, as applicable, its branches/subgrantees) conducts
supervisory monitoring of its housing counseling program activity to include inspecting client
2 and education files, supervising counseling sessions, and providing technical assistance as
Y ES
needed, to ensure compliance with OHC regulations and the current version of the HUD
Handbook 7610.
Grant Agreement. Grantee monitors its housing counseling grant (and, as applicable, its
3 branches’/subgrantees’ grants), to include compliance with HUD grant agreement YES
requirements, the Uniform Guidance (2 CFR Part 200), and progress in meeting projections.
Intermediary, MSO, and SHFA Applicants Only:
Enter the number of branches/subgrantees (from 0 to a maximum of 5) for which the Applicant will conduct a
4
performance review during the grant period of performance using the HUD-9910 form. The Applicant must share
the results of these reviews with HUD.
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CHART D, HOUSING COUNSELING PROGRAM EXPENSES
(Formerly Form HUD-9906-L and Form HUD-9906-P, Charts D1 and D2)
Instructions:
Applicant’s total housing counseling program expenses:
 Do not limit program expenses to the grants provided by the Office of Housing Counseling. Include all expenses for
your housing counseling program during the period requested.
 Include expenses for the entire year, even if HUD approval came during the year
Intermediaries, MSOs, and SHFAs Applicants:
 Include total program expenses for the entire network
 Only include costs of affiliates that were part of the network during the period indicated below
 Costs of new affiliates not approved during the period requested should not be included.
Applicant’s Total Expenses
for the Operation of the
Description
Housing Counseling Program
during FY24 (10/1/23-9/30/24)
1. Salaries and Fringe for:
(a) Housing Counselors that provide direct housing counseling and/or group education: This is the
salary and fringe of housing counselors program staff who provide direct housing counseling or
group education. If the staff person’s primary duty is providing counseling and education, the entire
salary/fringe benefits may be considered.
(b) Other Program Staff: Salary and fringe of housing counseling program staff who do not provide
direct housing counseling or group education and not included above.
2. Other Direct Costs:
(a) Travel
(b) Training
(c) Equipment
(d) Marketing and Outreach
(e) Supplies
(f) Contracting
(g) Other Direct Costs - Include other direct costs not already listed above.
In the field below, briefly describe the Other Direct Costs included in (g). Costs must be incurred pursuant to the eligible activities described in
this NOFO, Section II, Eligibility (limit 500 characters).
3. Indirect Cost (if applicable): Indirect costs authorized under an Applicant’s negotiated rate or the
de minimis rate (15%). See Section III.E of this NOFO for indirect cost inform ation.
4. Total Housing Counseling Program Expenses (Total of 1-3): This field will auto-populate.
Adjustment Point (Optional). Applicants may provide a narrative explanation in this field that adequately explain reasons of an inordinately
high cost per client (limit 500 characters). If an Applicant receives full credit for this Rating Factor (Rating Factor 3, Sub-factor B: Cost Per
Client) then the Applicant is not eligible to receive the adjustment point.
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CHART E, HISTORICALLY BLACK COLLEGES AND UNIVERSITIES, TRIBAL COLLEGES
AND UNIVERSITIES, AND OTHER MINORITY SERVING INSTITUTIONS (MSI)
ONLY REQUIRED FOR THE MSI INITIATIVE PROGRAM
Instructions: Applicants applying for this funding initiative must complete this Chart. In Question 1 below, Applicants
must specify whether they are applying as an MSI or partnering with an MSI.
Note: Refer to Housing Counseling NOFO for the definition of an MSI and HBCU.
Please state whether you are applying as an MSI or partnering with an MSI by selecting the appropriate box and
1.
providing the information requested.
Applicant is not an MSI itself but is partnering with an HBCU or other MSI.
If yes, the Applicant must submit the following:
(a) A letter certifying that an HBCU or other MSI partnership is in place or that there is an intent to enter a partnership.
The letter must be signed by the Applicant and an authorizing official of the HBCU or other MSI; and
(b) Documentation of the partnering college or university's status as an HBCU or other MSI.
Applicant is an HBCU or other MSI.
If yes, the Applicant must submit documentation of the college or university's status as an HBCU or other MSI.
How many housing counseling clients does the Applicant and/or its partner plan to serve with
2.
this funding during the period of performance?
3. Indicate the total award amount requested to provide services for this purpose.
4. Complete the table below for the Applicant and/or the Applicant’s network. The Applicant may provide a separate
attachment if more space is needed.
Name of Partner HBCU or other MSI;
Name of Housing Counseling
City, State; Allocation
Agency and
Contact Name, Contact Email Address Amount ($)
HCS ID
(State “N/A” if subgrantee or branch is an HBCU or other MSI)
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5. To support the grant amount being requested, complete fields a through g. If Applicant or its network is partnering
with multiple HBCUs or other MSIs, the Applicant should provide information for no more than three (3) partnerships
(limit 2,000 characters for each question).
a. Describe the proposed eligible activities and major tasks required to successfully implement the proposed initiative.
b. Describe the extent to which there is a need to fund the proposed initiative and the importance of meeting the need.
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c. Describe the relevant experience and capacity of the Applicant, its staff, and HBCU or other MSI partners in implementing
the proposed eligible activities.
d. Describe how the Applicant will measure outcomes on its target population.
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e. Describe how the Applicant proposes to integrate the institution’s students and faculty into proposed activities.
f. Describe community involvement in implementation of the program and how the institution will expand its role in the target
community.
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g. List the other resources that support or fund Applicant’s existing housing counseling related partnerships with HBCUs or
other MSIs. Include the dollar amounts of support provided in the description of the resources, if applicable.
YOU HAVE REACHED THE END OF THE MSI INITIATIVE APPLICATION.
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CHART F, DIVERSIFIED FUNDING (EXCEL)
Instructions: The Applicant must fill out and attach HUD-9906 Chart F (Excel) to their Grants.gov application.
Any agency that does not have other resources available will receive zero points for this rating factor. Failure to submit a
fully completed Chart F may result in the Applicant receiving zero points for diversified funding. None of these additional
resources can be federal funds or federal pass-through funds.
YOU HAVE REACHED THE END OF THE CHC GRANT APPLICATION.
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CHART G, HOUSING COUNSELING TRAINING
(Formerly HUD-92910 Charts A and B)
REQUIRED ONLY FOR THE HOUSING COUNSELING TRAINING PROGRAM
Applicant Name:
Applicant HUD Housing Counseling System (HCS) ID (if applicable):
Applicant Unique Entity Identification (UEI) Number:
Instructions: Complete all Housing Counseling Training Charts as a required part of the application submission. There
are four charts which must be completed in their entirety in order for Applicants to receive full points. The completed
charts and exhibits along with the narratives will constitute the basis for evaluating the application.
Use the following definitions for the three delivery methods:
 In-Person: The course is provided to counselors in a face-to-face classroom setting. This includes place-based
training and national institute training.
 Web-based: Online / Interactive: The course is provided to counselors electronically and allows for real-time
instructor-counselor interaction.
 Web-based: Online Non-Interactive: The course is provided to counselors electronically and does NOT allow
for real-time instructor-counselor interaction.
Notes: All data entered below is numeric. Do not enter X for any response. Refer to Housing Counseling NOFO for the
definition of scholarships.
Chart G1, PROPOSED AND PAST PERFORMANCE
Past Performance:
List the number of training courses by delivery method that you and your Applicant partners provided during the prior period of
performance (October 1, 2024 – September 30, 2025) stated in the NOFO for the Housing Counseling Training Program.
Web-based
Web-based
Online/
Delivery Method In-Person Online/
Non-
Interactive
Interactive
Number of courses provided during the period of performance
1.
described in the HCT Application
Number of counselors trained during the period of performance
2.
described in the HCT Application
Number of courses that addressed Departmental Priorities (Example:
3.
Disaster, HECM Default)
4. Number of courses in which student satisfaction was measured
Number of courses in which learning checks were included in the
examination to pass the course. (Indicate the number of courses with
5.
learning checks and examinations that will be required to pass the
course.)
Number of counselors by Delivery Method that include in rural and
6.
lower income communities and persons with disabilities.
7. Number of courses provided in multiple languages
8. Average number of hours per Delivery Method
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Number of scholarships provided to individuals in rural and lower
9.
income communities, and persons with disabilities.
10. Total # of scholarships (all types with all funding)
11. Average cost per student by Delivery Method
Proposed Performance:
List the number of training courses by delivery method that you and your Applicant partners intend to provide during the period of
performance stated in the NOFO (October 1, 2025 through March 2027) for the Housing Counseling Training Program.
Web-based
Web-based
Online/
Delivery Method In-Person Online/
Non-
Interactive
Interactive
12. Number of courses proposed as described in the HCT Application
Number of counselors to be trained as described in the HCT
13.
Application
Number of courses that address departmental priorities (Example:
14.
Rural Communities, Opportunity Zones)
15. Number of courses in which student satisfaction will be measured
Number of courses in which learning checks are included in the
examination to pass the course. (Indicate the number of courses with
16.
learning checks and examinations that will be required to pass the
course.)
Number of counselors projected by Delivery Method that include
17.
rural, lower income and persons with disabilities
18. Average number of hours per Delivery Method
Number of scholarships provided to individuals in rural and lower
19.
income communities, and persons with disabilities
Total # of scholarships (all types and all funding sources, including non-
20.
federal)
21. Average cost per student by Delivery Method
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CHART G2, BUDGET
(Formerly HUD-92910 Chart C)
Instructions: Complete all applicable sections below with your actual expenditures for the Housing Counseling Training
Program. In the Indirect Costs row, insert the percentage you take for indirect costs (de minimis (15%) or NICRA) in the small text
box. Applicants who did not receive a Housing Counseling Training Grant should provide expenditures from all other
sources. For budget items not listed in the "Other Expenses" line, describe in detail in the comments box.
Actual Expenditures for the Period of Performance Stated in this Housing Counseling Training Application
Actual Expenditures – Actual Expenditures –
Expense Items
Grant Funds All Sources
Example: Staff Salaries $50,000 $150,000
Staff Salaries
Staff Fringe Benefits
Consultant/Trainer Fees
Rent/Office
Rent/Training Venues
Travel/Consultant/Trainer
Travel/Staff
Total Amount of Scholarships
Equipment
Telephone/internet/Website
Delivery Services
Printing / Production of Class Materials
Other Expenses (Describe in Comments)
Other (Describe in Comments)
Other (Describe in Comments)
Other (Describe in Comments)
Training Partners
Sub-grantee Disbursements
Indirect Costs (insert indirect cost rate (%) here: )
Total Expenditures (this field will auto-populate)
Percent of HUD Grant Spent on Scholarships:
(Divide ‘Total Amount of Scholarships’ by ‘Total Expenditures’
to calculate this percentage, yielding a ratio of 1.00 (or 100%).
Comments (limit to 500 characters):
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CHART G3, DIVERSIFIED FUNDING SOURCES
(Formerly HUD-92910 Chart D)
Instructions: All Applicants must itemize the list of diversified funding resources (only non-federal) for the Applicant
itself, and for each proposed subgrantee and identified Training Partner. All Applicants must provide a list of all
proposed subgrantees they propose to fund and itemize for each the names of the organizations providing all diversified
funding sources and in-kind contributions. Include the total amount and the source of funds. Applicants must also list all
Training Partners collaborated with during the previous performance period (October 1, 2024 – September 30, 2025) and
proposed during the upcoming performance period (October 1, 2025 – March 31, 2027), using funds earmarked by the
Training Partners to support housing counseling training. Fee income can be counted as diversified funding resources.
Applicants claiming fee income must project the total income anticipated from fees.
Organization Providing
Type of Commitment
Diversified Funding/In-kind
Contribution Time Period Funds Letter in Use of Amount of
Contributions (include
(cash, in-kind, are Available Hand Funds Funds
fees/program income) and Point
fees, etc.) (not pending)
of Contact
EXAMPLE
ABC Intermediary Fees 10/1/XX - 9/30/XX $50,000
Jane Dough Foundation/ John
Cash 1/1/XX - 1/1/XX $10,000
Dough (123) 456-7891
Chase Bank Foundation/Penny
Cash 10/1/XX - 9/30/XX x $7,500
Money (456) 789-1011
City of Love/Happy Giver
In-Kind 1/1/XX - 8/31/XX x $12,000
(345) 678-9123
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CHART G4, TRAINING PARTNERS
(Formerly HUD-92910 Chart E)
Instructions: Identify training partners you collaborated with to provide place-based training during the previous
performance period (October 1, 2024 – September 30, 2025) and will work with during the upcoming period of
performance (October 1, 2025 – March 31, 2027). The amount of proposed training partner contributions should also be
added to your agency leveraging in Chart G3.
Note: See the NOFO, Appendix I for definition of Training Partners.
Proposed Amount Past Amount of
of Training Partner Training Partner
Name of Number
Contact Phone Contribution for Contribution for
Name Type of Entity Contact at of
Number Upcoming Past
Entity Events
Performance Performance
Period Period
EXAMPLE
City of Love City Government Happy Giver (345) 678-9123 1 $5,000 $2,000
ABC Org Local NP Betty Boop (234) 567-8901 2 $10,000 $0
YOU HAVE REACHED THE END OF THE HCT GRANT APPLICATION.
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> Download XLSX file: HUD-9906 Chart A Supplement Excel (formerly HUD-9906 Chart A2 Supplement Excel) FY25 NOFO Final.xlsx

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> Download XLSX file: HUD-9906 Chart F Diversified Funding Excel (formerly HUD-9906 Chart D Budget Excel) FY25 NOFO Final.xlsx