Region XII COG has been actively involved in implementing and operating housing programs since 1991. The various programs with which we have been involved benefit low and moderate income residents who reside within the boundaries of the six county region or within the corporate limits of one of our associate member communities.

The COG operates a number of in-house housing programs, as well as assists member communities in the development, funding, and operation of community-based programs. If you are interested in any of the following housing programs, please contact the Region XII COG staff at 712-792-9914 .

Owner-Occupied Rehabilitation Programs

Housing Trust Fund

Home rehabilitation assistance up to $10,000 for home-owners. Funds are provided in the form of a grant or loan.  Housing trust fund grants and loans are available for homeowners in Audubon, Carroll, Crawford, Guthrie, Greene, and Sac Counties.


Affordable Housing Program

Rehabilitation funds are targeted towards the elderly (62+) and disabled households. Assistance is provided in the form of a grant with a maximum award of $17,000.

CDBG City-Based Exterior Home Improvement

Assist low-to-moderate income homeowners to improve the outside envelope of their home. This program’s funds are distributed as grants with a maximum assistance of $24,999.


Down-Payment Programs

CDBG City or County Based Homebuyer Assistance Program

Assist low-to-moderate income homebuyers with down-payment assistance up to 50% of the down-payment required and up to $3,500 of closing costs.  Click here for additional program guidance.

Region XII’s Internal Revolving Loan Fund

Assist potential homebuyers with down payment assistance to purchase homes. The maximum assistance is $10,000 or 10% of the purchase price and reasonable closing costs.


Development Programs

Housing Trust Fund

Funding for new construction or rehabilitation to create new housing units. Grant/loan funds are available to assist developers.

Affordable Housing Program

Funding available to developers for new construction of affordable housing units.

CDBG City-Based Upper Story Conversion

Assist developers or building owners rehabilitate closed buildings into residential rental housing for low-to-moderate income households.

Region XII COG’s Internal Revolving Loan Fund

Loan Funds to assist developers in creating affordable housing.

Homes for Iowa

Homes for Iowa offers 1,200 sq. ft., 3 bedroom, 2 bathroom homes delivered to the selected site for $75,000.



Regional Revolving Loan Fund

The COG has a flexible loan fund that can be accessed for a variety of housing projects. Typically, these loans are available to income-qualified homeowners in any of our member counties or communities for 1) home repairs to eliminate health and safety hazards including windows, doors, roofs, furnaces, etc.; or 2) down-payment assistance to aid in the purchase of a home. The COG has also used these funds to aid developers in the construction of new units and help landlords improve rental housing. This fund remains flexible to best respond to the housing needs of the region.


Rental Projects

Region XII can also assist in the development or rehabilitation of rental projects. Staff members can help develop a financial package utilizing a variety of funding sources.


New Construction

The COG can help with the development of new single family homes and subdivisions, providing technical assistance in grant writing, financial packaging, and marketing.


Spec Financing Revolving Loan Fund

Region XII COG has available funding to make partial construction loans to contractors for new speculative homes. Contractors or developers can receive a loan of up to $20,000 towards construction costs at a low interest rate.


Lead-Based Paint Inspection and Abatement

Region XII COG’s housing inspectors are certified in lead based paint inspection.


Application Process

Please call the housing staff at 712-792-9914 for availability on each of these programs in your community.

Region XII Council of Governments
Attn: Housing Programs Application
1009 E. Anthony Street
PO Box 768
Carroll IA 51401