At a glance
From its website, read 2 Nov 2026The Housing Fund, Inc. is a loan fund based in Madison, Tennessee. Its website describes home repair loans. Where it lends: Statewide in Tennessee. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.thehousingfund.org |
| Office (official list) | P.O. Box 657, Madison, TN 37116 |
What their website says about applying
Obtain one work estimate for repairs under $10,000
sourceObtain two work estimates for repairs over $10,000
sourceTo learn more, contact Senior Mortgage Advisor
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | Repayable over 180 months at a 5% fixed interest rate | source |
| Home repair / improvement loans | Term: see their wording | Repayable over 180 months at a 5% fixed interest rate | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Income limit applies
An applying homeowner can annually earn up to 120% of Area Median Income
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 657, Madison, TN 37116 |
| Website | www.thehousingfund.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Down payment and shared equity loan amounts were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | $5,000 – $35,000 | From $5,000 to $35,000 for home improvements | source |
Loan sizes
From $5,000 to $35,000 for home improvements
source
Service area
Statewide in Tennessee
The Housing Fund provides Down Payment Assistance loans to help homebuyers throughout Tennessee become homeowners
source
Statewide: Tennessee
Borrower focus
- Low- and moderate-income / underserved
The Housing Fund offers affordable home-improvement loans to low- and moderate-income homeowners, including for energy-saving retrofits.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start Application
source
Pages read (7)
- https://thehousingfund.org/
- https://thehousingfund.org/the-housing-fund-receives-10-million-investment-from-pinnacle-financial-towards-shared-equity-program/
- https://thehousingfund.org/home-improvement-loans/
- https://thehousingfund.org/partners-investors/
- https://thehousingfund.org/the-housing-fund-to-celebrate-25th-anniversary/
- https://thehousingfund.org/firstbank-commits-10-million-investment-to-the-housing-funds-shared-equity-program/
- https://thehousingfund.org/home-buyers-owners/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home repair loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.7 million in 7 awards from the U.S. Treasury's CDFI Fund, 2000–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2008 | CDFI Program, Financial Assistance | $1,098,178 |
| 2004 | CDFI Program, Financial Assistance | $450,000 |
| 2002 | CDFI Program, Financial Assistance | $1,200,000 |
| 2000 | CDFI Program, Financial Assistance | $2,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Sep 2023| Total assets | $48.6M |
|---|---|
| Total liabilities | $27.5M |
| Net assets | $21.1M |
| Total revenue | $10.6M |
| Notes and loans receivable, net (Part X line 7) | $25.4M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 62-1632388, filed as “THE HOUSING FUND INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Sep 2021 (990) | $34.4M | $14M | $4.3M | $20.9M |
| Sep 2022 (990) | $39.9M | $14.7M | $5.6M | $18.3M |
| Sep 2023 (990) | $48.6M | $21.1M | $10.6M | $25.4M |
Total assets grew 41% from Sep 2021 to Sep 2023; notes and loans receivable rose 21%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $48.6M | Larger than 57% of the 7 other certified loan funds and venture funds in Tennessee with a matched Form 990 (median $27.3M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Tennessee | 7 | larger than 57% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Madison and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at The Housing Fund, Inc.? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.