9978-09 Appropriating $2,463,435 from Community Development (Fund 212), defraying expenses of CED

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St. Joseph County Housing Consortium being neglected for financial reasons. This housing need affects 15 Black Non-Hispanic individuals in Mishawaka. It should be noted that at this point in time there are relatively few racial-ethnic owned dwellings in the City of Mishawaka, and this skews the data towards more rental-based problems within those groups. St. Joseph County ..[Insert housing needs narrative and table.] Priority Housing Needs (91.215 (b)) 1. Identify the priority housing needs and activities in accordance with the categories specified in the Housing Needs Table (formerly Table 2A). These categories correspond with special tabulations of U.S. census data provided by HUD for the preparation of the Consolidated Plan. 2. Provide an analysis of how the characteristics of the housing market and the severity of housing problems and needs of each category of residents provided the basis for determining the relative priority of each priority housing need category. Note: Family and income types may be grouped in the case of closely related categories of residents where the analysis would apply to more than one family or income type. 3. Describe the basis for assigning the priority given to each category of priority needs. 4. Identify any obstacles to meeting underserved needs. South Bend Homeownership: HIGH PRIORITY Homeownership Assistance: CDBG and HOME funds will support closing cost/downpayment assistance and mortgage subsidies to families and individuals at 50-80% of median household income. The 80/20 program of the Community Homebuyer's Corporation (CHC); the Housing Development Corporation's (HDC) downpayment assistance program REWARD; and the CDC`s programs offering mortgage subsidies. Acquisition/Rehab: CDBG Acquisition and rehabilitation of properties for resale to households below 80% of median household income. This activity in the targeted neighborhoods of the Near Westside, Near Northwest and Northeast neighborhoods is conducted by the community development corporations working in these areas. NSP funding will support acquisition/rehab of foreclosed and abandoned properties located in the Near Westside and Near Northwest for individuals and families up to iZ0% of median household income. New Construction: Homeownership assistance through CDBG/HOME mortgage subsidies and newly constructed homes funded with NSP dollars in the Near Westside and Near Northwest 2010-2014 Housing and Community Development Plan 30