Programs that make housing more readily available to middle or low-income individuals and families or other identified groups by offering lower priced or cooperative housing and/or affordable payment plans, arranging for interest or mortgage subsidies for people who qualify on the basis of income, or by providing mortgage-free homes, generally for designated populations.

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Programs that provide interest free, low interest or market interest rate loans for people who do not have the credit or the income to secure loans on the conventional loan market.

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