What is Low-to-Moderate Income Housing?

Low-to-Moderate Income Housing and the HUD 221(d)(4) Loan Program

Low-to-moderate income housing is housing designed for individuals and families whose incomes are low to moderate in comparison to prevailing incomes where they live. In general, offering low-to-moderate income housing is a requirement for a property owner’s participation in the HUD Section 8 program. Like properties financed with certain other kinds of HUD multifamily loans, such as the HUD 223(f) loan, properties financed with HUD 221(d)(4) loans are eligible for the Section 8 program, in which they offer low-to-moderate income and low-income housing at a steep discount in exchange for a government subsidy.


To learn more about HUD multifamily construction loans like the HUD 221(d)(4) loan, fill out the form below and a HUD lending expert will get in touch.