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 .

Programs are subject to income eligibility. 

Programs for Homeowners

› Housing Trust Fund
› Affordable Housing Program
› CDBG City-Based Exterior Home Improvement
› CDBG City-Based Owner-Occupied Rehabilitation
› Region XII’s Internal Revolving Loan Fund

Programs for Home Buyers

› CDBG City or County Based Homebuyer Assistance Program
› Region XII’s Internal Revolving Loan Fund
› City-Based Homebuyer Assistance Program
› Jefferson, IA Homes for Sale

Programs for Developers

› Housing Trust Fund
› Affordable Housing Program
› CDBG City-Based Upper Story Conversion
› Region XII COG’s Internal Revolving Loan Fund
› Homes for Iowa

Program Information for Cities & Counties

› City-Based Homebuyer Assistance Program
› CDBG City Based Housing Rehabilitation Programs
› CDBG City or County Based Homebuyer Assistance Program

For Renters

› Summit Ridge, Wall Lake, IA
› Coming Soon, Glidden Duplexes




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