Opportunity Information: Apply for CPD 2600 DC 0019
The Self-Help Homeownership Opportunity Program (SHOP) is a competitive grant opportunity from the U.S. Department of Housing and Urban Development (HUD) designed to expand affordable homeownership for low-income households through sweat equity and volunteer-supported housing models. In practical terms, SHOP helps organizations cover the up-front, enabling costs that make these programs possible, specifically the purchase of home sites and the development or improvement of basic infrastructure. The larger goal is to increase the supply of safe, stable, affordable homes while strengthening neighborhoods nationwide, with an emphasis that includes serving low-income families and individuals such as veterans, first responders, homeless persons, and persons with disabilities.
SHOP funding is not meant to pay for building the houses themselves. Instead, the program focuses on early-stage costs that prepare lots for construction and make them viable for self-help homeownership developments. Grant funds can be used for land acquisition, infrastructure improvements (for example, site preparation and the types of supporting improvements needed to make sites buildable), and reasonable planning and administrative costs, with administration capped at no more than 10 percent of the award. A key cost control built into the program is that the average SHOP expense for the combined cost of land acquisition plus infrastructure improvements cannot exceed $25,000 per homeownership unit assisted.
The homes produced under SHOP must meet several core requirements. SHOP-assisted units must be sold to eligible homebuyers at below-market prices, and buyers must be low-income. A defining feature of the program is the sweat equity requirement: homebuyers are expected to contribute a significant amount of labor toward the development of their home, typically alongside volunteers, as part of the self-help model. The homes also must be non-luxury units and must comply with state and local building codes, ordinances, and zoning rules, in addition to all other SHOP program requirements.
Applicants must show that the SHOP dollars will be used across at least two states, and HUD expects applicants to deploy a significant portion of the grant funds in at least two states as part of a national or regional approach. Because SHOP does not pay for construction or rehabilitation, applicants are required to leverage other public and private financing to cover the full construction or rehab costs for every unit produced. Those leveraged funds can also support additional program costs that SHOP funds cannot cover. The program also specifies that all communications among HUD, SHOP applicants, awardees, and beneficiaries must be in English, and applications must be submitted in English through Grants.gov.
Funding available under this Notice of Funding Opportunity (NOFO) totals $24,000,000, split evenly between FY2024 and FY2025 ($12,000,000 each year). The award ceiling is listed as $12,000,000, and HUD anticipates making around seven awards under this round. The opportunity is categorized as a discretionary grant, with activity areas tied to community development and housing (Assistance Listing/CFDA number 14.247). The funding opportunity number is CPD-2600-DC-0019, and the original application closing date is July 15, 2026.
Eligible applicants are limited to certain nonprofit entities. HUD allows public or private nonprofit organizations, including faith-based organizations, as well as consortia of such organizations, to apply. The eligibility listing also references nonprofits with 501(c)(3) status (other than institutions of higher education) and certain other eligible nonprofit categories. Individuals, foreign entities, and sole proprietorships are explicitly not eligible to apply for or receive an award under this announcement.
HUD defines eligible applicant types in three main ways. A national organization is a public or private nonprofit that carries out self-help homeownership housing activities itself or funds affiliated organizations that carry out these activities on a national scale. A regional organization is similar, but operates on a regional scale, where a region must include at least two states; those states do not need to be contiguous, and the service area does not need to perfectly match state boundaries. A consortium consists of two or more nonprofit organizations located in at least two states that jointly submit a single application to carry out eligible activities on a national or regional basis. Consortia must designate one lead entity, and that lead entity is responsible for overall performance and compliance across all members. A notable administrative requirement for consortia is that they must execute a new written agreement with each affiliate receiving funds under the FY2024/2025 SHOP award; they cannot simply amend an older agreement.
Finally, HUD expects applicants to demonstrate real operational capacity. This includes showing that the applicant, its affiliates, or consortium members have the experience and ability to provide or facilitate self-help homeownership opportunities across a national or regional footprint. Applicants also need to provide evidence that they will either directly undertake eligible SHOP activities or will enter into written agreements with one or more nonprofit affiliates that will carry out those activities. In short, SHOP is built for established nonprofit networks that can manage multi-state pipelines of affordable, sweat-equity homeownership projects, while bringing substantial outside financing to complete construction and deliver finished homes to low-income buyers at below-market prices.Apply for CPD 2600 DC 0019
- The Department of Housing and Urban Development in the community development, housing, oz sector is offering a public funding opportunity titled "Self-Help Homeownership Opportunity Program (SHOP)" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 14.247.
- This funding opportunity was created on 2026-06-15.
- Applicants must submit their applications by 2026-07-15. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- Each selected applicant is eligible to receive up to $12,000,000.00 in funding.
- The number of recipients for this funding is limited to 7 candidate(s).
- Eligible applicants include: Nonprofits having a 501 (c) (3) status with the IRS, other than institutions of higher education, Others.
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Self-Help Homeownership Opportunity Program (SHOP) FAQs
What is the Self-Help Homeownership Opportunity Program (SHOP)?
SHOP is a competitive grant opportunity from the U.S. Department of Housing and Urban Development (HUD) that supports affordable homeownership for low-income households through self-help (sweat equity) and volunteer-supported housing models. The program focuses on covering specific up-front costs that make these developments possible, especially buying home sites and developing or improving basic infrastructure.
What is the main purpose of SHOP funding?
The main purpose is to expand the supply of safe, stable, affordable homes by paying for enabling, early-stage costs like land acquisition and infrastructure improvements. SHOP is designed to strengthen neighborhoods and increase affordable homeownership opportunities for low-income buyers, including groups HUD emphasizes such as veterans, first responders, homeless persons, and persons with disabilities.
Does SHOP pay for building or rehabilitating the houses?
No. SHOP funding is not meant to pay for the construction of houses or for rehabilitation costs. Applicants must leverage other public and private financing to cover the full construction or rehab costs for every unit produced.
What types of costs can SHOP funds pay for?
SHOP funds can be used for (1) land acquisition (purchase of home sites), (2) infrastructure improvements and related supporting improvements needed to make sites buildable (including site preparation), and (3) reasonable planning and administrative costs. Administrative costs are capped at no more than 10 percent of the award.
Is there a limit on administrative costs?
Yes. Administrative costs are capped at no more than 10 percent of the SHOP award.
Is there a per-home cost limit under SHOP?
Yes. The average SHOP expense for the combined cost of land acquisition plus infrastructure improvements cannot exceed $25,000 per homeownership unit assisted.
Who must the SHOP-assisted homes be sold to?
SHOP-assisted units must be sold to eligible homebuyers who are low-income, and the homes must be sold at below-market prices.
What does the sweat equity requirement mean in SHOP?
A defining feature of SHOP is that homebuyers are expected to contribute a significant amount of labor toward the development of their home. This work is typically performed alongside volunteers as part of the self-help homeownership model.
Are there requirements about the type or quality level of the homes?
Yes. SHOP-assisted homes must be non-luxury units and must comply with applicable state and local building codes, ordinances, and zoning rules, as well as all other SHOP program requirements.
Does SHOP require multi-state activity?
Yes. Applicants must show that SHOP dollars will be used across at least two states. HUD expects applicants to deploy a significant portion of the grant funds in at least two states as part of a national or regional approach.
Do the two states have to be next to each other?
No. For a regional approach, the region must include at least two states, but the states do not need to be contiguous, and the service area does not need to perfectly match state boundaries.
What is the total funding available under this NOFO?
The NOFO totals $24,000,000 in available funding, split evenly between FY2024 and FY2025 ($12,000,000 each year).
What is the maximum (ceiling) award amount?
The listed award ceiling is $12,000,000.
How many awards does HUD expect to make?
HUD anticipates making around seven awards under this round.
What kind of grant is SHOP considered?
SHOP is categorized as a discretionary grant, with activity areas tied to community development and housing.
What is the Assistance Listing (CFDA) number for SHOP?
The Assistance Listing/CFDA number is 14.247.
What is the funding opportunity number for this SHOP round?
The funding opportunity number is CPD-2600-DC-0019.
When is the application due?
The original application closing date is July 15, 2026.
Where must applications be submitted?
Applications must be submitted through Grants.gov.
In what language must the application be submitted?
Applications must be submitted in English. The program also specifies that all communications among HUD, SHOP applicants, awardees, and beneficiaries must be in English.
Who is eligible to apply for SHOP?
Eligible applicants are limited to certain nonprofit entities. HUD allows public or private nonprofit organizations (including faith-based organizations) and consortia of such organizations to apply. The eligibility listing also references nonprofits with 501(c)(3) status (other than institutions of higher education) and certain other eligible nonprofit categories.
Are individuals allowed to apply?
No. Individuals are explicitly not eligible to apply for or receive an award under this announcement.
Are foreign entities eligible to apply?
No. Foreign entities are explicitly not eligible to apply for or receive an award under this announcement.
Are sole proprietorships eligible to apply?
No. Sole proprietorships are explicitly not eligible to apply for or receive an award under this announcement.
What is considered a national organization under SHOP?
A national organization is a public or private nonprofit that carries out self-help homeownership housing activities itself or funds affiliated organizations that carry out these activities on a national scale.
What is considered a regional organization under SHOP?
A regional organization is a public or private nonprofit that carries out self-help homeownership housing activities itself or funds affiliated organizations that carry out these activities on a regional scale. Under SHOP, a region must include at least two states.
What is a consortium for SHOP purposes?
A consortium consists of two or more nonprofit organizations located in at least two states that jointly submit a single application to carry out eligible activities on a national or regional basis. Consortia must designate one lead entity responsible for overall performance and compliance across all members.
Does the consortium lead entity have special responsibilities?
Yes. The lead entity is responsible for overall performance and compliance across all consortium members.
Are there special agreement requirements for consortia and affiliates?
Yes. Consortia must execute a new written agreement with each affiliate receiving funds under the FY2024/2025 SHOP award. They cannot simply amend an older agreement.
Do applicants need to show experience and capacity to run SHOP projects?
Yes. HUD expects applicants to demonstrate operational capacity, including experience and the ability to provide or facilitate self-help homeownership opportunities across a national or regional footprint.
Do applicants have to carry out SHOP activities themselves?
Applicants must show that they will either directly undertake eligible SHOP activities or will enter into written agreements with one or more nonprofit affiliates that will carry out those activities.
What does it mean that SHOP requires leveraged financing?
Because SHOP does not fund construction or rehabilitation, applicants must bring in other public and private financing to cover the full construction or rehab costs for every unit. Those leveraged funds can also support additional program costs that SHOP funds cannot cover.
What is the overall model HUD is trying to support through SHOP?
SHOP is built for established nonprofit networks that can manage multi-state pipelines of affordable, sweat-equity homeownership projects, while leveraging substantial outside financing to complete construction and deliver finished homes to low-income buyers at below-market prices.
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