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
Intent of Program: Home rehabilitation assistance up to $10,000 for homeowners. Funds are provided in the form of a grant or loan. Typical repairs include: window, roof, and siding replacement, updates to mechanical and plumbing systems, and accessibility. Housing trust fund grants and loans are available for homeowners in Audubon, Carroll, Crawford, Guthrie, Greene, and Sac Counties.
This program currently has a waitlist for grant funds. If you wish to be added to the waitlist, please contact our office.
› Affordable Housing Program
Intent of 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. Typical repairs include: window, roof, and siding replacement, updates to mechanical and plumbing systems, and accessibility. These program funds are available to homeowners in Audubon, Carroll, Crawford, Guthrie, Greene, and Sac Counties and associate member cities which includes, Adel, De Soto, Ogden, Perry, and Redfield.
This program currently has a waitlist for grant funds. If you wish to be added to the waitlist, please contact our office.
› CDBG City-Based Exterior Home Improvement
Agency Sponsoring Program: Iowa Economic Development Authority
Intent of Program: Assist low-to-moderate income homeowners to improve the outside envelope of their home. Typical repairs for this program include roof, siding, and window replacements. Funds are provided in the form of a grant with a maximum assistance of $24,999. Households apply at the time of City application. Currently there are no spots available for this program.
› CDBG City-Based Energy Efficiency Improvements
Agency Sponsoring Program: Iowa Economic Development Authority
Intent of Program: Assist low-to-moderate income homeowners to improve the energy efficiency of their home. Typical repairs for this program include mechanical system updates, windows, electrical upgrades, insulation, etc. Funds are provided in the form of a grant with a maximum assistance of $24,999. Households apply at the time of City application. Currently there are no spots available for this program.
› CDBG City-Based Architectural Barrier Removal
Agency Sponsoring Program: Iowa Economic Development Authority
Intent of Program: Assist low-to-moderate income homeowners to improve the handicap accessibility of their home. Funds are provided in the form of a grant with a maximum assistance of $24,999. Typical repairs include: ramp installation, handicap accessible bathrooms, widening of doors, etc. Households apply at the time of City application. There is currently one spot available in the City of Glidden for this program.
› Region XII’s Internal Revolving Loan Fund
Intent of Program: Assist homeowners with rehabilitation. The maximum assistance is $10,000. Funds are provided in the form of a loan at 2% or 4% depending on income. These program funds are available to homeowners in Audubon, Carroll, Crawford, Guthrie, Greene, and Sac Counties and associate member cities which includes, Adel, De Soto, Ogden, Perry, and Redfield.
Programs for Home Buyers
› CDBG City or County Based Homebuyer Assistance Program
Agency Sponsoring Program: Iowa Economic Development Authority
Intent of 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
Intent of Program: 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. These program funds are available to homeowners in Audubon, Carroll, Crawford, Guthrie, Greene, and Sac Counties and associate member cities which includes, Adel, De Soto, Ogden, Perry, and Redfield.
› City-Based Homebuyer Assistance Program
Agency Sponsoring Program: Iowa Finance Authority
Intent of Program: Assist first-time homebuyers, veterans, single parents, or displaced homemakers with down payment assistance to purchase a home and rehabilitation for the purchased property. The maximum combined assistance for down payment and rehabilitation is $24,999. Funds are provided in the form of a grant. The purchased property must be located within the City limits. There are currently no spots available for this program.
› Jefferson, IA Homes for Sale
Intent of Program: Region XII has four quality single-family homes for sale in Jefferson, Iowa. These homes are all new construction, ranch style homes. Significant down-payment assistance is available for income qualified applications. Contact Karla Janning at 712-792-9914 or [email protected] for more information.

Programs for Developers
› Housing Trust Fund
Intent of Program: Funding for new construction or rehabilitation to create new housing units. Grant/loan funds are available to assist developers.
In certain cases, the Housing Trust Fund may be utilized to assist with the rehabilitation of rental projects.
› Affordable Housing Program
Intent of Program: Funding available to developers for new construction of affordable housing units. Funding rounds are held annually, normally in early summer.
› CDBG City-Based Upper Story Conversion
Agency Sponsoring Program: Iowa Economic Development Authority
Intent of Program: Assist building owners rehabilitate the second story of existing downtown buildings into residential rental housing for low-to-moderate income households. This application is submitted through the city on behalf of the building owner. Funding rounds are held annually, usually in the summer. Contact Karla Janning at 712-792-9914 or [email protected] for more information on this program.
› Region XII COG’s Internal Revolving Loan Fund
Intent of Program: Loan Funds to assist developers in creating affordable housing. There is no funding round, if interested, contact Region XII staff to discuss fund availability.
› Homes for Iowa
Intent of Program: Homes for Iowa offers 1,200 sq. ft., 3 bedroom, 2 bathroom homes delivered to the selected site for $75,000. These homes are geared towards families making $100,000 or less per year (adjusted gross income). These homes can be placed on crawlspaces or basements. These are modular homes with 2 x 6 exterior wall construction and energy star rated systems.
Program Information for Cities & Counties
› City-Based Homebuyer Assistance Program
Agency Sponsoring Program: Iowa Finance Authority
Intent of Program: Assist first-time homebuyers, veterans, single parents, or displaced homemakers with down payment assistance to purchase a home and rehabilitation for the purchased property. The maximum combined assistance for down payment and rehabilitation is $24,999. Funds are provided in the form of a grant. The purchased property must be located within the City limits. Funding rounds are held annually and normally open in December. If your city is interested in applying for these funds for homebuyers within city limits, please contact Karla Janning at 712-792-9914 or [email protected].
› CDBG City Based Housing Rehabilitation Programs
Agency Sponsoring Program: Iowa Economic Development Authority
Intent of Program: Home rehabilitation assistance up to $24,999 for homeowners who reside within the city limits. Funds are provided in the form of a grant. Typical repairs include: window, roof, and siding replacement, and accessibility. Applications can be submitted for up to 6 projects within a city. Funding rounds are held annually, likely to be during the summer.
› CDBG City or County Based Homebuyer Assistance Program
Agency Sponsoring Program: Iowa Economic Development Authority
Intent of 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. Funding rounds are held annually, likely to be during the summer.
For Renters
› Summit Ridge, Wall Lake, IA
Summit Ridge in Wall Lake are new construction rental units completed in June 2020. They are 2 bedroom, 1 bath units with an attached garage. The appliances are included. These units are available for the elderly (62 years of age or older) or handicapped/disabled people. Certain income restrictions do apply. Currently, there are no units available for rent. For more information on Summit Ridge, please contact Ashley at 712-792-9914 or [email protected]. Region XII is an equal opportunity housing provider.

› Glidden Duplexes
If interested in these units, please contact Ashley at 712-792-9914 or [email protected]. Region XII is an equal opportunity housing provider.


Exterior View of Montana Street Duplex View of the Kitchen
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.
