Search Through Affordable Housing Grants for Nonprofits in Minnesota in the U.S.

Charitable Contributions

Costco Wholesale’s primary charitable efforts specifically focus on programs supporting children, education, and health and human services in the communities where we do business. Throughout the year we receive a large number of requests from nonprofit organizations striving to make a positive impact, and we are thankful to be able to provide support to a variety of organizations and causes. While we would like to respond favorably to all requests, understandably, the needs are far greater than our allocated resources and we are unable to accommodate them all.

Warehouse Donations:

Warehouse donations are handled at the warehouse level - please consult your local warehouse for up-to-date information regarding their donations contacts and review process.

Grant Applications

If the request is under consideration, you may be contacted by staff for any additional information needed. Applications are reviewed within 4-6 weeks, and decisions are made based on several factors, including: type of program; identified community need not otherwise available; indication that evidenced based data will establish measurable results of intended outcomes; community collaboration; broad base of financial support; project budget and operating expenses.

Background

Draper Richards Kaplan Foundation seeks to dramatically improve the lives of underserved communities across the globe by supporting scalable, innovative, and impact-first solutions that leverage existing systems and stakeholders. Our goal is to find social entrepreneurs with dynamic products or services that have a proven ability to positively impact the lives of underserved people, and nurture those organizations at the early stages by providing capacity, capital, and community.

Our application process is designed to be open and accessible, and we accept applications year round from across our priority geographies and sectors. Borrowing from our venture capital legacy, we find exceptional entrepreneurs and provide them with: 

Capacity

• The core of DRK’s model is deep and extensive operational and technical support for each portfolio organization, both through dedicated hands-on Board service and specialist capacity-building resources for fundraising, board and organizational development, leadership, financial support, and scaling strategy,

Capital

• DRK provides up to $300,000 USD in either unrestricted grant funding or investment capital over a three-year period, and

Community

• DRK convenes our portfolio and alumni annually, facilitating connections and community. 

What We Fund

DRK Foundation funds early-stage social impact organizations solving the world’s biggest social and environmental problems using bold, scalable approaches.

What stage of growth does DRK Foundation typically fund?

Early stage: Organizations who are early stage, which we define as post-pilot and pre-scale. This typically means: 

• Your program, product or service is already being used in the market or in the field, 
• You have early indication that your model is having its intended impact on the beneficiary populations,
• Your organization is relatively young (ideally between two and five years old, although we will consider both younger and older organizations).

Venture funding: In the case of for profits, we typically support Seed to Series A organizations, and never lead rounds; we also generally but not exclusively refrain from participating in financings exceeding a $15M USD post-money valuation.  

Community Grants

State Farm is committed to helping build safer, stronger and better-educated communities.

• ​​​​​​​​​​​​​​​​We are committed to auto and home safety programs and activities that help people manage the risks of everyday life.
• We invest in education, economic empowerment and community development projects, programs and services that help people realize their dreams.
• We help maintain the vibrancy of our communities by assisting nonprofits that support community revitalization.

Good Neighbor Citizenship company grants focus on safety, community development and education.

Focus Areas

Safety Grants

We strive to keep our customers and communities safe. That's why our funding is directed toward:

• Auto safety — improving driver, passenger, vehicle or roadway safety
• Home safety — shielding homes from fires, crime or natural disasters
• Disaster preparedness and mitigation
• Disaster recovery

Community Development

We support nonprofits that invest and develop stronger neighborhoods. That's why our funding is directed toward:

• Affordable housing — home construction and repair
• Commercial/small business development
• Job training
• Neighborhood revitalization
• Financial literacy
• Sustainable housing and transportation
• Food insecurity

Education

Our education funding is directed toward initiatives that support the following programs:

• Higher education
• K-12 academic performance
• K-12 STEM
• Pathways for college and career success

Begun in 1969, Mardag Foundation has continued the legacy of its founder, Agnes Ober, who overcame poverty in her early life and whose charitable spirit led her to create a permanent means by which to give back to and strengthen her community. Mardag Foundation is a family foundation that for more than 50 years has focused on ways to engage with and invest in communities across Minnesota through nonprofit grants. The Foundation has evolved its grantmaking as community needs have changed, while staying true to our founder’s commitment to caring for those most in need.

As our mission, Mardag Foundation supports Minnesota nonprofits to remove barriers and create opportunities for low income or traditionally marginalized children, youth and families; older adults with barriers to living independently; and to build capacity of organizations supporting the arts and humanities. Grant seekers should note that beginning in 2026, Mardag Foundation will move away from its Arts & Culture funding priority. 2025 will be the last year of funding in this priority area

Mardag Foundation offers two types of grants (beginning in 2026): System-level Grants and Responsive Grants. Beginning in 2026 organizations serving older adults will only be eligible in Mardag’s Responsive grant process.

System-level Grants

For our System-level Grants, the Foundation will be making fewer, but larger, multi-year general operating grants for select funding priorities. We anticipate opening the first System-level grant round early in 2026. Given the nature and length of these grants, we will be conducting site visits and anticipate the first set of these multi-year grants will be approved late in 2026.

Our goal for the System-level Grants is to:

• Support organizations and programs that provide pathways to affordable, quality housing and/or are addressing homelessness.
• Support organizations and programs that ensure access to food and address inequities in the food system.

Funding Priorities

• Systems change and/or direct service work to eliminate barriers and increase access to equitable housing opportunities for low-income immigrant/refugee or Native American/Indigenous children, youth and families in the East Metro and Greater Minnesota.

• Systems change and/or direct service work to eliminate barriers and increase access to culturally relevant, healthy, affordable food for low-income immigrant/refugee or Native American/Indigenous children, youth and families in the East Metro and Greater Minnesota.

Grants will be offered for general operating support or program support. Grant amounts will be up to $100,000 per year for five years

Michael & Susan Dell Foundation Grants

The Michael & Susan Dell Foundation only accepts unsolicited proposals for specific areas within the education, family economic stability and childhood health sectors in select countries where we work, namely the United States, India and South Africa.

As a guideline, the foundation does not fund more than 25% of a project’s budget or more than 10% of an organization’s total annual operating expenses.

The Michael & Susan Dell Foundation has always recognized the power of providing grants to partner organizations that we knew were already working hard to improve the lives of urban children living in poverty. By aligning with organizations that are already making a difference, we continue to make an immediate impact on the lives of thousands of children.

Foundation priorities:

We fund social enterprises that directly serve or impact children or youth from urban low-income communities in the areas of education, health, and family economic stability (including livelihoods and financial inclusion). These social enterprises may be structured as for-profit or nonprofit entities.

Partnerships

We collaborate with a range of organizations focused on creating opportunities for children and families living in urban poverty, with a deep emphasis on measuring impact. Our funding advances projects already making an impact in education, health, and family economic stability. Through these enduring and long-standing partnerships, we create lasting change together.

Our Mission

The Old National Bank Foundation believes that social responsibility is essential to fostering vibrant, sustainable communities. We realize this belief through strategic partnerships with charitable organizations addressing defined community needs.

Old National Bank Foundation

The Old National Bank Foundation makes contributions to nonprofit organizations to fund widespread community impact programs and/or projects. The Foundation is part of Old National's overall charitable giving initiative, which enables us to support programs that improve quality of life in areas of Indiana, Illinois, Kentucky, Michigan, Minnesota and Wisconsin where our clients, associates and shareholders live and work.

Invested in our communities

Caring for our clients means being an active and dynamic partner in the cities and towns we serve. Through sponsorships, Old National helps organizations improve the quality of life in the areas where our clients, associates and shareholders live and work.

Old National Bank Foundation Sponsorships

Old National sponsorships provide monetary support for events or activities, while enabling us to partner with many community organizations. Typically such sponsorships are in exchange for advertising and/or publicity that directly benefits Old National. Our goal is to make meaningful contributions, measure the results of our sponsorships, and work closely with the organizations we support.

Here are examples of the types of activities we sponsor:

• One-time events
• Fundraisers
• Golf tournaments/scrambles
• Corporate tables at galas
• Sporting events
• Special events (telethons, marathons, races or benefits)

Our Mission

The Tony Robbins Foundation is a nonprofit organization created to empower individuals and organizations to make a significant difference in the quality of life of people often forgotten.

We’re dedicated to creating positive changes in the lives of youth, seniors, the hungry, homeless and the imprisoned population, all who need a boost envisioning a happier and deeply satisfying way of life. Our passionate staff, generous donors and caring group of international volunteers provide the vision, inspiration, and resources needed to empower these important members of our society.

Grants

Dedicated to meeting challenges within the global community, creating solutions and taking action, The Tony Robbins Foundation provides monetary donations to various organizations around the world. Funding requests are evaluated on an ongoing basis. We look for organizations that align with our mission to empower individuals and organizations to make a significant difference in the quality of life of those often forgotten.

Our Approach

McKnight’s Vibrant & Equitable Communities program fosters shared prosperity, power, and participation through four strategies: Accelerate Economic Mobility, Build Community Wealth, Cultivate a Fair and Just Housing System, and Strengthen Democratic Participation.

Within these strategies, we use all forms of capital—from our grants to our civic voice—to advance systemic improvements for individuals, communities, and society at large.

Accelerate Economic Mobility

We recognize that to create vibrant and equitable communities, all Minnesotans need high-quality jobs. We aim to drive gains in employment, working conditions, and earnings for Black, Latinx, Asian, immigrant, Indigenous, and low-income Minnesotans across the state, paying attention to industry-specific and geographic clusters. We work with a range of partners, such as networks of funders, worker centers, businesses, and government agencies.

Our grantmaking priorities in this area focus on efforts that:

• Engage champions, allies, funders, workers, and private sector partners to identify and prioritize worker-centered approaches to high-quality jobs.
• Develop and advance shared solutions among worker leaders, government, and the private sector to make gains in safety, wages, working conditions, and workers’ assets.

Build Community Wealth

We aim to increase the dollars flowing to the community investment sector and into communities of color and low-income communities, and to increase access to capital (as loans and other forms) to under-represented entrepreneurs and households, so they can launch or grow businesses and/or acquire assets, whether it is a new home, vehicle, or other resources.

Our grantmaking priorities in this area focus on efforts that:

• Strengthen key community-focused financial institutions’ operational and lending and investment capacity.
• Develop and spread innovative and equitable lending and investment capital—such as new underwriting, risk management, due diligence, and credit consideration—resulting in new types of loans, ownership structures, and investments.
• Increase private and public investments in Minnesota’s Community Development Financial Institutions and other community-focused capital providers.
• Accelerate an equitable procurement strategy designed to increase underrepresented businesses’ share of contracts for products and services to the public and private sectors.

Cultivate a Fair and Just Housing System

We aim to ensure that more Minnesotans of color and low-income Minnesotans are affordably housed and positioned to build wealth through housing. In doing so, we must also stabilize the housing system to ensure as little loss of existing affordability and ownership as possible.

Our grantmaking priorities in this area focus on efforts that:

• Increase political will and public support for public sector investments in affordable housing.
• Expand capital flows to support project pipelines and resource efforts to make it easier and faster to produce and preserve affordable housing (rental and ownership) in our state.
• Catalyze innovative housing-oriented wealth-building efforts, such as financial products, development practices, and models of ownership.

Strengthen Democratic Participation

We aim to foster multi-issue coalitions organizing in support of our program goals and to eliminate racial and ethnic disparities in our democratic and governing institutions.

Our grantmaking priorities in this area focus on efforts that:

• Support a strong civic infrastructure around the state through capacity-building investments in key organizations, networks, and intermediaries focused on civic engagement, organizing, and participation.
• Solidify our core democratic institutions through equity-focused initiatives, such as the U.S. Census and legislative re-districting.

Andersen Corporate Foundation

The Andersen Corporate Foundation was established in 1941 with the mission to improve lives and strengthen communities where Andersen employees live and work. Since then, the Foundation has donated more than $65 million to worthy causes.

The Andersen Corporate Foundation supports nonprofit organizations working in the following areas: housing, healthcare, hunger relief, and education. 

Giving Areas

Housing: Funding to increase housing access and stability, including services to transition out of homelessness, and provide and maintain affordable housing.

Health: Funding to advance health access and equity, including support for critical access hospitals/clinics/providers, expanded access to mental health services, and expanded access to preventative healthcare.

Hunger Relief: Funding to address food insecurity and increase food access, including providing healthy and culturally relevant foods.

Education: Funding to advance equity and opportunity in education, and funding to support and raise the profile of trades and industrial education programs.

Funding

The Andersen Corporate Foundation supports general operating, program/project, and capital campaign funding requests. Grants requests may range in size from $5,000 to $50,000 for general operating and program/project requests. The majority of general operating and program/project grants awarded fall between $5,000 and $20,000.

Best Life Community Awards

Nominate a nonprofit that you support with your time, talents, or money to receive a grant.

Funding

The winner will be awarded $10,000!

The Impact Fund awards recoverable grants to legal services nonprofits, private attorneys, and small law firms who seek to confront economic, environmental, racial, and social injustice. Since our founding in 1992, the Impact Fund has made more than 800 recoverable grants totaling more than $10 million for impact litigation. We award grants four times per year, most within the range of US$10,000 to US$50,000.

Social Justice

The Impact Fund provides grants and legal support to assist in human and civil rights cases. We have helped to change dozens of laws and win cases to improve the rights of thousands. The cases we are funding allege that:

• In Texas and North Carolina, incarcerated people with mental health disabilities are forced to remain in jail despite being found not guilty and unable to proceed with a criminal trial.
• In Orange County, California there are currently 13 gang injunctions under effect, which disproportionately affect young men of color.
• In Chicago, Illinois, the city’s homeless shelter program is inaccessible to people with disabilities.
• In Springfield, Oregon, the city and its police department used excessive force against Black Lives Matter protesters.
• In West Virginia, the state fails to protect children in foster care from abuse and neglect. 
• In Montana, voter suppression laws disadvantage young adults and give priority to gun owners.
• In Gary, Indiana, a gun manufacturer negligently marketed and distributed its guns, leading to an epidemic of gun violence in the city. 
• In Vancouver, British Columbia, the police perpetuate systemic discrimination against Indigenous people through bureaucratic measures.

Environmental Justice

The Impact Fund provides grants to support local litigation for environmental justice. These grants are for cases aiming to help people or communities who are affected by environmental harm or who lack access to basic environmental needs, such as clean water, clean air, adequate waste treatment, and green spaces. The cases we are funding allege that:

• In Centreville, Illinois, the city’s failure to maintain its sewer system has caused raw sewage to flood peoples’ homes, endangering the property and health of a predominantly Black community.
• In Fresno County, California, the California Department of Transportation approved a highway expansion project that would increase air pollution and traffic in one of the state’s most environmentally burdened communities.
• In downtown Milwaukee, Wisconsin, the proposed expansion of a highway would divide the region's Black, Asian, and Latine neighborhoods and cause pollution and ill health.
• In North Dakota, the five-month closure of a highway in response to the Dakota Access Pipeline protests disproportionately affected the livelihoods and health of the Standing Rock Sioux Tribe members.
• In Ontario, Canada, mercury contamination of the English-Wabigoon river system causes catastrophic environmental and health impacts for the Grassy Narrows First Nation.
• In Sacramento, California, the county government and Sacramento Area Sewer District violated the Clean Water Act by discharging raw sewage into nearby rivers.
• In the Eastern Coachella Valley in California, 1,900 residents of the Oasis Mobile Home Park suffer from arsenic-laced drinking water, wastewater contamination, and overcharging for utilities.

Economic Justice

The Impact Fund provides financial and other forms of support to cases fighting for economic justice. From workers' rights to consumer protection for vulnerable populations, impact litigation is a powerful tool to hold corporationss and the government accountable. The cases we are funding allege that:

• In Brooklyn, New York, a prominent mortgage lender engaged in predatory practices, leaving homeowners of color at risk of losing their homes. 
• In Washington, live-in caregivers are unconstitutionally excluded from the state’s wage-and-hour protections.
• In Ravalli County, Montana, the county has created a “modern-day debtors’ prison” by incarcerating people unable to afford pre-trial fees. 
• In San Diego, California, vehicle ordinances target unhoused vehicle owners even when no adequate housing alternative exists.
• In New York, a federal immigration detention facility is violating minimum wage and forced labor laws by forcing detainees to work for just a dollar a day. 
• In Minneapolis, Minnesota, the city and county destroy the property of unhoused individuals and conduct forced evictions from public spaces. 
• In Miami, Florida, insurance companies discriminate against a nonprofit community development corporation renting to tenants with Section 8 rental subsidies.

Mission

The Mission of the Foundation is to provide resources to nonprofit organizations that build thriving communities and improve the quality of life primarily in the St. Croix Valley geographic region of Minnesota and Wisconsin.

Funding Priorities

The Foundation has established a focused set of priorities and welcomes requests for general operations, programs, or projects.  Capital requests may be considered on a more limited basis.

• Healthcare
  • Medical Research
  • Mental/Chemical Health
  • Hospitals
• Housing
  • Affordable Housing for Families and Seniors
• Education
  • Youth Education Initiatives
• Human Services
  • Basic Needs
  • Food Insecurity
  • Employment
• Civic
  • Local Initiatives
• Environment
  • Environmental Education

The Dudley T. Dougherty Foundation Vision

The Dudley T. Dougherty Foundation, "A Foundation for All", was established in 2002. It was begun in order to give a clear voice for those who wish to be a part of the many, worthy, forces for change in our world.

We are a foundation whose purpose is to look ahead towards the future, giving the past its due by remembering where we came from, and how much we can all accomplish together. We aim to make the critical difference on our planet by recognizing and having respect for our ever changing world. We respect all Life, the Environment, and all People, no matter who they are.

About Us

The Northland Foundation is a place-based, publicly supported foundation working within seven Northeast Minnesota counties and all or parts of five Native nations.

Mission & Values

Our mission is to support Northeast Minnesota people and communities working toward a future where everyone feels they belong and can thrive.

Integrity. Be solid partners: ethical, reliable, and transparent. Keep the mission and values at the forefront.

Respect. Honor different cultures, traditions, and beliefs. Trust communities to know their own challenges and strengths.

Empowerment. Help ensure people and communities can use their voice and power to shape their own lives for the better.

Inclusiveness. Actively work to reach and reflect the diversity of the people and communities served. Be intentional to break down barriers and bring people together.

What We Fund

Quarterly grants can be used for general operating support and are flexible to help grantees meet their funding needs. General operating grants are only available to 501(c)(3) nonprofit organizations that are headquartered and have a staffing presence in our geographic region. Grants may also be used for capacity-building efforts that strengthen the organization or improve service delivery.

Program restricted grants are available for nonprofit organizations that 1) have operations or are headquartered outside our region or 2) are governmental organizations, such as school districts, colleges or universities, or Tribal nations. Program-restricted grants can only be used to support a specific program and associated activities that take place in our service area.

Grant Priorities

The most successful proposals will clearly address one or more of the following five priorities.

Basic Needs

Services and programming that address human needs essential to overall wellbeing. Proposals can address one or more of the following basic needs categories.

• Food Security
  • Support for food access programming such as meal services, food banks and food shelves, and child hunger programs (summer meal programs, backpack programs, school-based pantries, etc.).
• Affordable Housing
  • Support for affordable housing programs or services that help increase opportunities for people to access quality affordable housing.
  • Proposals should be for general operating or program support, not construction costs.
  • Examples are programs that provide downpayment assistance, home ownership programming, and landlord/tenant rights education.
• Homeless Services
  • Support for services to people experiencing homelessness such as support for shelters, transitional housing, permanent supportive housing, or warming shelters.
• Aging
  • Providing services to help older adults age in place, such as caregiver support, grocery services, or meal services.
• Health and Wellbeing
  • Programs that support the health, wellness, and mental wellbeing of people who otherwise would not have access to these services.
  • Examples are free health clinics, oral health care programs, and mental health services.
• Other Basic Needs
  • Services to people with disabilities, workforce programs, legal services, etc.

Belonging

Inequities exist in our society. Resources and opportunities are often limited based on place (where someone lives), race (skin color or cultural background), and class (economic status). Belonging seeks to support projects and initiatives designed to help everyone, especially those who are under-served or underrepresented in traditional power structures, to gain full and fair access to essentials like quality housing, education, and employment, and generally thrive. This may include broad, community-wide efforts or a specific focus on belonging within our existing priority areas.Domestic and Sexual Violence

Prevention and intervention efforts in relation to domestic abuse and family violence, sexual assault, and human trafficking, such as shelter, advocacy, legal, and other supports or visitation programs that provide a place for safe and supervised parental visits.

Early Childhood Care and Education

Early care and education quality and access, parenting education, and supports. Note: the quarterly grant program does not include support for child care start-ups or child care operating expenses, but sometimes there is funding available for these activities through Special Grant Opportunities.

Out-of-School Time

Structured, consistent, and accessible out-of-school time educational programming and activities for broad groups of children and youth delivered by an organization whose primary focus is to serve youth/youth development.

Strategic Approaches that are Encouraged

High-impact programs and projects build in certain strategic approaches that can improve outcomes. We encourage including one or more of the following approaches in work considered for funding

Diversity, Equity, and Inclusion

• Actively working to reach and fully reflect the diversity of communities served, facilitate inclusion, and counter systemic inequity.

Multi-Generational

• Considering the needs of multiple generations when addressing an issue. For example, programs for children may include components for parents and guardians.

Collaboration

• Bringing other partners into a program or project in order to tap others’ expertise, expand geographic or demographic reach, and/or improve outcomes.

Systems Change

• Seeking to change public policy and increase the civic engagement of under-represented populations.

Max and Victoria Dreyfus Foundation Grant

The Foundation will consider requests to support museums, cultural and performing arts programs; schools and hospitals; educational, skills-training and other programs for youth, seniors, and persons with disabilities; environmental and wildlife protection activities; and other community-based organizations and programs.

About The Initiative Foundation

The Initiative Foundation awards grants across the 14 counties and two Native nations of Central Minnesota. Grants are provided for projects and programs that advance shared missions to empower people across Central Minnesota to build a thriving economy, vibrant communities, and a lasting culture of generosity.

Economic Development, Workforce Grants

Emphasis

The grants are geared toward early-stage or pilot projects, or new strategies that encourage economic development that includes workforce development and initiatives that attract and retain workers in the region.

We fund projects that …

• create new partnerships to support sector-specific apprenticeships, internships or mentoring programs
• encourage building affordable housing
• incentivize business growth that provides family sustaining wages to employees
• encourage entrepreneurial activity
• complete feasibility analysis or other preliminary design or business model assessment.

Centene Charitable Foundation

Successful corporate citizenship happens when companies invest in the local organizations that know their communities best. The Centene Foundation works with our local partners on initiatives that focus on inclusion, the whole person and community development.

Vision

Centene’s purpose is transforming the health of the community, one person at a time. The Centene Foundation is an essential part of how we pursue this purpose. We achieve measurable impact for the communities we serve through partnerships and philanthropy efforts that invest in initiatives with holistic approaches to dismantling barriers to health.

Areas of Focus

Reflecting Centene’s commitment to the needs of those who rely on government-sponsored health care and to addressing social determinants of health and health equity, preference will be given to initiatives in three distinct areas of focus.

• Healthcare Access
• Social Services
• Education

Background

F. R. Bigelow Foundation believes that our community should not only benefit from our work, but inform and form it as well. Creating solutions to today’s issues requires a collaborative approach. Our work is also rooted in a commitment to racial equity.

We offer general operating, program and some capital support. The Foundation considers grant applications from nonprofit organizations and public entities fostering a vibrant East Metro region and seeking to achieve racially and economically equitable outcomes in the areas of arts & culture, economic & community development, education & youth development, health, housing and human services.

Funding Priorities

F. R. Bigelow Foundation has six focus areas and will consider proposals that address one or more of the following:

Arts & Culture

Strengthening the arts & culture sector to serve all individuals and all communities across the East Metro region by supporting general operations and capital projects

• The Foundation shares Grantmakers in the Arts’ view that all “peoples, their cultures, and their art contribute to the meaning and understanding of our humanity and should be honored and celebrated.”
• Priority will be given to arts and culture organizations that seek to amplify narratives and voices across BIPOC communities and other communities experiencing marginalization (e.g., people with disabilities, low-income communities, members of the LGBTQIA+ community, formerly incarcerated people, etc.).
• Please note that the Foundation has not historically supported specific productions, performances, exhibits, artist fees, etc. through this application-based process.

Community and Economic Development

Building a strong and vital East Metro through community building, physical development and strengthening support for low-income individuals, families and underrepresented communities through workforce development and training 

• The Foundation seeks to invest and partner in solutions informed and formed by the people facing the highest barriers to wealth creation, economic security and family-sustaining career pathways. In the East Metro, this includes BIPOC, women, veterans, young people, people with disabilities, formerly incarcerated people and LGBTQIA+ people.
• Specific priorities for wealth creation include strengthening the entrepreneur ecosystem and increasing local ownership of businesses and homes.
• Regarding economic security, the Foundation recognizes the importance of anchor institutions embedded at the neighborhood level. For workforce development, we will prioritize employment pathways that meet the needs of individuals and employers alike.

Education & Youth Development

Supporting under-served children, youth and young adults by investing in access to high-quality education and youth development both in and out of school from cradle to career

• The Foundation recognizes how important it is for students and young people to feel cared for, protected, valued and seen after a difficult period in their learning and growth. This is complex and urgent work, and the Foundation will prioritize organizations that blend academic, social and emotional support for young people most impacted by educational inequity.
• The Foundation will also prioritize support to organizations working to build a robust early childhood system that gives children and families access to high-quality care and education programs.

Health

Increasing health equity through quality, affordable, culturally relevant services, particularly for low-income, uninsured, under-insured and socially marginalized individuals.

• The Foundation continues to prioritize health organizations that focus on health equity and increasing access to affordable, culturally relevant health services.
• The Foundation hopes to better align its health grants to be inclusive of programs and organizations that serve low-income families, provide free or affordable, culturally relevant services, and holistic care.
• Given the increase in severity, cost of and demand for mental health services, urgent care and/or crisis prevention, access to reproductive health care, trauma-informed health care, and free or reduced services for uninsured or underinsured communities, the Foundation will prioritize these programs and organizations to continue to serve our most vulnerable and marginalized communities.

Housing

Improving access for low-income individuals and families to affordable quality housing, preventing and ending homelessness.

• The Foundation embraces the vision for housing justice articulated by the Minnesota Interagency Council on Homelessness.
• The Foundation will prioritize work that ensures the most marginalized people experiencing housing instability and homelessness are able to access housing that is “safe, decent, affordable,” and “free of prejudice” while also receiving the additional support and services they need.

Human Services 

Investing in basic needs for individuals and families, helping them be safe, stable and independent.

• The Foundation will prioritize grants that assist residents in navigating life transitions, finding safety and stability, and promoting independence.
• In addition to supporting work that centers the voices of the people most impacted by an organization’s work, special priority will be given to disability support services, child welfare support services, family and parent support services, food relief and assistance, older adult services, immigration and legal services, and re-entry supports for formerly incarcerated people.

Types of Grants

The Foundation will consider grant applications for:

General Operating Support

• These grants provide flexible funding for nonprofits in which at least 50% of the organization’s services benefit residents in the East Metro (Dakota, Washington and Ramsey counties).

Capital Projects

• The Foundation supports capital projects located in the East Metro with 50% or more of services from that facility benefiting East Metro residents.
• Grants are designed to support investment in buildings, facilities and equipment. Foundation investments are typically limited to buildings owned by nonprofits or held by long-term lease agreement.
• These grants are generally paid over multiple years.

The Sheltering Arms Foundation supports high quality direct service programs and a limited number of advocacy efforts that raises the level of public awareness and commitment to the well-being of children. Advocacy programs might include public education campaigns, public policy development, research, coalition building, or community organizing

What We Fund

Advocacy

The Sheltering Arms Foundation’s vision of success is that the opportunity gap will be significantly diminished because broad public will exists to make investments to assure that all Minnesota children succeed in school and life. To achieve this goal, we fund advocacy efforts that increase access to high quality, culturally appropriate early childhood care and education and youth development/out of school time opportunities.

We fund political networks, coalitions and campaigns that lobby, advocate and organize for children’s early learning and life success. We also support training to help parents become advocates for their children’s early learning and out of school time success.

Early Childhood

The Sheltering Arms Foundation’s vision of success is that all Minnesota children with the least access to resources are socially and emotionally, as well as physically and cognitively ready for kindergarten. To achieve this goal, we fund high quality culturally appropriate early childhood programs that support children’s social, emotional, physical and academic development with strong family engagement strategies.

Eligible programs include innovative early care and education, targeted home visiting and parent education, and early childhood mental health programs.

A high quality early care and education program has the following elements:

• A 3 or 4 star Parent Aware rating or is on a pathway to attain it
• A research based high quality curriculum
• Opportunities for family engagement in programming
• Quality assessment tools where data informs program improvement
• Access to professional development for staff that supports growth in their job in areas such as: program design, evaluation and assessment, inter-cultural skills, and child development.

A high quality parent education and targeted home visiting program has the following elements:

• A focus on strength-based whole child and family development that includes cognitive, physical, social and emotional development
• A research based high quality curriculum and evidenced based model
• A parent-child interaction component
• Active involvement of parents/caregivers in their child’s learning process
• Intensity and duration of contact appropriate for goals of the program
• Quality assessment tools where data informs program improvement
• Access to professional development for staff that supports growth in their job in areas such as: program design, evaluation and assessment, inter-cultural skills, and child development.

A high quality early childhood mental health program has the following elements:

• Priority given to mental health programs that align with high quality early care education and targeted home visiting programs
• Primary focus on Relationships
• Culturally appropriate interventions
• Research based high quality methodology
• Opportunities for family engagement in programming
• Initial assessment of each child including for trauma and chronic stress
• Intensity and duration of client services appropriate to the goals of the intervention
• Quality assessment tools where data informs program improvement
• Access to professional development for staff that supports growth in their job in areas such as: new developments in early childhood mental health treatments, program design, evaluation and assessment, and inter-cultural skills.

Youth Development

The Sheltering Arms Foundation’s vision of success is that all Minnesota children are socially and emotionally, as well as physically and academically prepared to succeed by 7th grade. To achieve this goal, we fund high quality culturally appropriate youth development programs for 5-12 year olds that support children’s social, emotional, physical and academic development with strong family engagement strategies.

Eligible programs are out of school time and mentoring programs in school based settings, community settings or affordable housing locations.

A high-quality youth development programming should include the following elements:

• Sequential activities that teach skills
• Active and experiential learning
• Focused and explicit skill development
• Developmentally and culturally appropriate program design
• Intensity and duration of contact
• Social and Emotional Learning competencies (self-awareness, self-management, social awareness, relationship skills and responsible decision making)
• Opportunities for family involvement and participation in programming
• Quality assessment tools where data informs program improvement
• Access to professional development for staff that supports growth in their job in areas such as: youth programming, evaluation and assessment, inter-cultural skills, and program design.

Mardag Foundation Grants

Mardag Foundation has three primary interest areas for its grantmaking.

Improving the lives of low-income Children, Youth and Families that lack access to critical opportunities and resources that they need

Mardag Foundation seeks to support organizations focused on eliminating barriers and increasing access to equitable opportunities for children, youth and families.

This round, priority will be given to organizations working with marginalized communities (especially Black, Indigenous and communities of color) at the intersections of education, basic needs, mental health, access to healthcare, pathways to employment, and stable and affordable housing.

Supporting older adults across Minnesota who lack access or have barriers to critical opportunities to thrive and create community connections

Mardag Foundation supports organizations directly serving low-income older adults who may also be experiencing other forms of marginality (e.g., Black, Indigenous, and People of Color, people with disabilities, members of the LGBTQIA+ community, etc.).

Priorities include meeting basic needs, improving the well-being and quality of caregiving, addressing isolation and mental health issues, services to help older Minnesotans age in place and/or in safe and stable housing, and intergenerational programming.

Building capacity to improve community vitality through Arts and Culture

Mardag Foundation shares Grantmakers in the Arts’ view that “all peoples, their cultures, and their art contribute to the meaning and understanding of our humanity and should be honored and celebrated.”

Priority will be given to arts and culture organizations that seek to amplify narratives and voices across BIPOC communities and other communities experiencing marginalization (e.g., older adults, people with disabilities, low-income children/youth/families, members of the LGBTQIA+ community, etc.) through the arts.

Old National Bank Foundation

The Old National Bank Foundation makes contributions to nonprofit organizations to fund widespread community impact programs and/or projects. The Foundation is part of Old National's overall charitable giving initiative, which enables us to support programs that improve quality of life in areas of Indiana, Illinois, Kentucky, Tennessee, Michigan, Minnesota, Iowa and Wisconsin. We believe in supporting where our clients, team members and shareholders live and work.

Funding Priorities

Our funding targets innovative programs that enhance the quality of life within our communities in support of the following four strategic initiatives: Affordable Housing, Workforce Development, Economic Development, and Financial Empowerment. We prioritize programs that serve underrepresented communities and low- to moderate-income people. 

Examples of funding priorities with measurable outcome focus areas include:

Affordable Housing

• Increase Homeownership Opportunities: We seek initiatives that enable individuals and families to purchase homes through accessible financing, down payment assistance, and homeowner education.
• Support Critical Home Repairs and Revitalization: We fund programs that ensure safe, habitable housing by assisting with essential repairs for homes
• Promote Multi-Family Housing Developments: We prioritize programs that develop or sustain affordable rental units

Economic Development

• Small Business Development and Growth: We aim to support programs that help small businesses scale, access resources, and build sustainable growth plans.
• Capacity Building for Technical Support: We encourage projects that enhance the capability of organizations offering technical support to small businesses and nonprofits.
• Entrepreneurship and Business Coaching: We support programs that offer entrepreneurship education, business coaching, and professional development for new or aspiring business owners.

Financial Education

• Old National Bank’s Real-Life Finance e-learning curriculum provides robust financial education training for community partners

Workforce Development

• Access to Apprenticeship and Work-Based Learning: We support workforce readiness through initiatives offering hands-on training, particularly in trades and high-demand fields.
• Job Creation, Employment Entry, and Retention: We support projects that connect individuals to stable employment and increasing levels of income. This can include higher education with dual credentialing, leadership and professional development

Financial Empowerment

• Financial Wellness: We fund long-term initiatives that reduce barriers to banking and credit access, especially for underbanked groups. This can include culturally relevant and multilingual outreach, foreclosure prevention, and credit counseling with the goal of financial independence
• Community Lending Access: We support organizations that provide access to affordable microloans, emergency loans, and community cooperative lending as safe and sustainable alternatives to predatory loans

The Foundation is dedicated to providing financial assistance to organizations committed to improving our world. Solutions to the problems of today's world still lie in the values of innovation, practicality, hard work, and compassion.

The Foundation considers applications for grants in the following areas:

• Education
• Social Service
• Health care
• Civic and cultural
• Environmental

The categories above are not intended to limit the interest of the Foundation from considering other worthwhile projects. In general, the Foundation guidelines are broad to give us flexibility in providing grants.

The majority of our grants are made in the U.S. However, like Dr. Scholl, we recognize the need for a global outlook. Non-U.S. grants are given to organizations where directors have knowledge of the grantee.

Rooted in the North. Growing a future where everyone thrives—together.

We believe our northern communities hold the power to shape our shared future. Our name honors the boreal forest, an ecosystem known for its resilience, diversity, and deep-rooted connection.

For over 40 years, we’ve been committed to this work—originally as the Duluth Superior Area Community Foundation. In 2025, we became Boreal Waters to better reflect the full reach of our region and the growing impact of our mission.

Community Opportunity Fund

The Community Opportunity Fund is the heart of our work at Boreal Waters. It’s how we unite generosity across the region to spark bold ideas, strengthen local nonprofits, and create lasting change for communities across northeastern Minnesota and northwestern Wisconsin.

As our region’s permanent civic endowment, the Fund directs resources where they’re needed most—supporting transformative, collaborative projects that help communities thrive, even in times of challenge. And it’s made possible by people like you.

Opportunity Grant

‍Projects empower individuals to achieve economic stability and independence.

Examples:

• Expands access to affordable housing
• Creates jobs that pay a living wage 
• Supports wealth-building opportunities 
• Provides access to high-quality education 
• Strengthens economic well-being through essential support services

What We Fund

We support a wide range of community-driven, equity-centered work. Funding can be used for:

• Program or Project Support: To launch, expand, or sustain work in Opportunity, Resilience, or Belonging
• General Operating Support: To build strength and stability
• Capacity Building: To grow organizational effectiveness or leadership
• Community-Led Solutions: Especially those involving lived experience and cross-sector collaboration
• Systems Change and Upstream Impact: Projects that address root causes—not just symptoms

Community Ties Giving Program

As part of the Community Ties Giving Program, Local Grants help us achieve our mission by providing small and medium-sized grants within our priority cause areas to local organizations spread widely across Union Pacific's footprint.

Funding Priorities & Objectives

Throughout its existence, the success of Union Pacific's business has been inextricably linked to the economic and community wellbeing of cities and towns across the nation. We take pride in the role we have played in helping communities thrive and believe the impact we can have on local communities is greatest when it is authentic to our history and reflective of the diverse company we are today.

As such, we have carefully aligned our Local Grants cause areas to our company's unique heritage, strengths, and assets. Specifically, we prioritize funding for direct services and efforts that build the capacity of organizations focused on the following causes within our local operating communities. Within each focus area, we aim to support programs and organizations working to advance the diversity, equity and inclusion of underrepresented populations within the local context and issue areas addressed. Find more information about our commitment to DEI in our FAQs.

Safety

In order for communities to thrive, all residents must feel safe. Just as the safety of our employees and community members is paramount to how we operate, Union Pacific is committed to helping communities prevent and prepare for incidents and emergencies, and helping residents get home safely at the end of each day. As such, we prioritize funding for projects and programs that seek to: 

• Encourage safe behaviors and prevent incidents through education and awareness, particularly projects which focus on rail, driver, bike, and pedestrian safety, and ensure outreach efforts reach underserved populations.
• Eliminate risks and improve safe and equitable access to community spaces through infrastructure improvements, such as signage, proper lighting, and public trail improvements.
• Prepare and equip residents and emergency responders* to effectively respond to incidents and emergencies if or when they occur.
  • *Union Pacific supports publicly funded emergency responders through a variety of corporate programs; only independent nonprofit, 501(c)(3) emergency response organizations, such as volunteer departments, are eligible for funding through this grant program
• Prevent crime and violent incidents and support survivors of domestic violence through efforts that address the root causes of these issues and seek to mitigate their occurrence.
• Build the capacity of safety-focused organizations to integrate practices that improve upon the diversity, equity, and inclusion efforts of the organization. This can take the form of internal capacity building or the creation/expansion of culturally relevant programming and services that seek to impact a broad and diverse audience. 

Workforce Development

For more than 160 years, Union Pacific has helped stimulate economic growth in cities and towns throughout the nation by training and providing employment to millions of workers. More than ever, we are committed to helping underrepresented residents in our communities achieve family-supporting careers like those offered by Union Pacific. As such, we prioritize funding for programs that seek to:

• Put youth on the right track by creating awareness of and pathways toward employment opportunities; building foundational skills, especially in Science, Technology, Engineering, and Mathematics (STEM); establishing necessary technical skills and life skills; and providing mentorship and positive role models for the future.
• Raise awareness of, educate and prepare young adults for middle skills jobs like those Union Pacific offers, for instance through community colleges, vocational and career training programs, workforce readiness initiatives, and programs that assist with job placement and/or on-the-job experience.
  • Programs that develop proficiency in areas relevant to Union Pacific operations such as welding, electrical work, machine operations, and civil and electrical engineering are given priority.
• "Up-skill" the existing workforce by providing training and resources that enable them to reach the next level of their career.
  • Programs that develop proficiency in areas of relevance to Union Pacific operations are given priority.
• Resolve barriers to employment such as transportation, childcare, acquiring necessary equipment for work, and second chance employment programs.
• Build the capacity of workforce development-focused organizations to integrate practices that improve upon the diversity, equity, and inclusion efforts of the organization. This can take the form of internal capacity building or the creation/expansion of culturally relevant programming and services that seek to impact a broad and diverse audience. 

Community Vitality

Union Pacific Railroad is committed to establishing vibrant, healthy and inclusive communities for employees, customers and residents to work, visit and call home. Just as the railroad opened avenues for economic development and opportunity more than 160 years ago, we maintain this tradition by cultivating unique cultural and recreational experiences and equipping community members with opportunities to live healthy, vital lives. As such, we prioritize funding for projects and programs that seek to:

• Create, sustain or expand artistic and cultural experiences offered to a broad and diverse audience (e.g., museums, theaters, zoos, cultural and local heritage, visual and performing arts, etc.)
• Provide recreational opportunities that foster wellbeing, enrichment and/or an appreciation for our natural environment (e.g., parks, libraries, senior centers, recreation centers, learning centers, etc.).
• Revive neighborhoods and main street areas, especially in historically underinvested neighborhoods, to improve livability, promote commerce and attract more residents, businesses and visitors to town.
• Ensure residents’ basic needs are met and barriers are overcome (e.g., safe shelter and homelessness prevention, hunger relief, mental health and community health needs, etc.).
• Offer youth development and educational opportunities to ensure young people can thrive into healthy and productive community members (e.g., mentoring, leadership development, tutoring, services for youth in foster care, etc.).
• Build the capacity of community vitality-focused organizations to integrate practices that improve upon the diversity, equity, and inclusion efforts of the organization. This can take the form of internal capacity building or the creation/expansion of culturally relevant programming and services that seek to impact a broad and diverse audience. 

Environmental Sustainability

The future of our business, communities and planet depends on bold, collective action to reduce and slow the impacts of climate change while building a more sustainable economy for the next generation. Union Pacific is taking deliberate steps to reduce our environmental impact and helping our partners improve their own. Extending this commitment to our community investments, we seek to support leading environmental nonprofits and community-based organizations to advance the health of our environment. As such, we prioritize funding for projects and programs that seek to:

• Preserve and restore nature, including programs focused on natural habitats, ecosystems, and biodiversity.
• Protect and enhance water, soil and air quality through innovative and proactive solutions such as water conservation, carbon sequestration and emission reduction programs.
• Reduce waste through initiatives focused on promoting recycling and circularity throughout the community, including recycling and composting programs and other efforts that reduce waste.
• Develop environmental stewards through youth programs focused on fostering environmental appreciation, responsibility, and leadership.
• Advance a sustainable economy by helping communities accelerate their transition to environmental jobs and renewable energy, as well as helping nonprofits and small businesses build their own capacity to operate more sustainably.
• Promote environmental justice through initiatives that ensure access to clean air, water, and land and protect underserved populations from disproportionate and adverse environmental effects.
• Build the capacity of sustainability-focused organizations to integrate practices that improve upon the diversity, equity, and inclusion efforts of the organization. This can take the form of internal capacity building or the creation/expansion of culturally relevant programming and services that seek to impact a broad and diverse audience.

Our Legacy

For more than 100 years, the Target Foundation (founded as The Dayton Foundation) has upheld the idea that the prosperity of a business is dependent on the prosperity of the communities in which it operates. It’s an important part of our history and our commitment to serve and support our neighbors.

In 2019, the Foundation expanded its support to address the growing urgency in our hometown, across the country and globally to help address widening socioeconomic gaps.

Target Foundation

We’re proud to continue our long legacy of support for communities in our hometown and around the world.

At the Target Foundation, we envision a world where all families and communities have the resources they need to determine and realize their own joy in life. It’s a reality that is out of reach for far too many families as they struggle for access to economic opportunity and stability, for equity and for the kind of empowerment that lifts up their communities. We believe we have a responsibility to work to remove structural barriers and help create access for those who have been left out. When we shift power to communities, they can more meaningfully participate in the economy, creating a world where all families can thrive.

Serving as a learning lab, the Target Foundation is committed to enabling shared prosperity and opportunity by upholding equity and inclusion for all communities. Guided by our deep commitment to community, we invest in leaders, organizations, coalitions and networks that expand economic opportunity equitably, enabling communities to determine their own futures. We support strategies that center and elevate the voices, stories and leadership of individuals and communities that have historically been silenced.

The Target Foundation is leaning into trust-based philanthropy to drive systems change, with values rooted in advancing equity, shifting power and building mutually accountable relationships. The Foundation’s capabilities allow it to work toward long-term solutions across complex and interconnected economic issues, grounded in the voices of Black, Indigenous and people of color (BIPOC) as well as Global South communities and organizations.

Building on our legacy of giving in our twin hometowns of Minneapolis and St. Paul, and extending across the U.S. and in emerging economies around the world, we remain committed to listening, learning and building the kinds of relationships with partners that will shift systems to realize a world where joy is for all.

Hometown Racial Equity Grant

Advancing racial equity for underserved and under-resourced communities to enable shared prosperity and opportunity for all.

At Target Foundation, we believe a vibrant and growing economy is only possible when economic opportunities are available to all our neighbors. The Target Foundation is committed to advancing racial equity and shared prosperity in the Twin Cities of Minneapolis and St. Paul and the greater state of Minnesota.

In addition to supporting the overarching Minneapolis-St. Paul philanthropic ecosystem and addressing persistent and immediate community needs, the Target Foundation hometown program concentrates its investments in organizations working to address the specific systemic and structural barriers facing Black communities, Indigenous communities and communities of color. We do this in four priority areas: entrepreneurship and small business, workforce development, housing and asset building.

• Entrepreneurship and Small Business: The Foundation supports entrepreneurship initiatives that address current ecosystem gaps, drive inclusive practices and create access to knowledge, services, networks and capital for entrepreneurs at all stages.
• Workforce Development: The Foundation supports employment and technical training opportunities to ensure the workforce development system operates effectively and connects job seekers and workers with the skills they need to succeed.
• Housing: The Foundation supports efforts that increase housing availability, stability and access — creating pathways to greater opportunity.
• Asset Building: The Foundation supports organizations that improve the asset-building opportunities available to traditionally marginalized communities, especially those that are engaged in work to increase financial inclusion, wealth building and overall financial health.

Why We Care

Target is proud to have called the Twin Cities our home since its founding more than 100 years ago. Our commitment to our hometown region continues to be a signature legacy of the Target Foundation.

The Minneapolis-St. Paul region is home to more than three million people. The region’s assets include the natural beauty of its parks, woods and lakes; a deep, vibrant and robust history of craft, visual arts, music and theater; numerous longstanding international anchor corporations; and widespread and increasing racial, ethnic and cultural diversity.

There are many communities who continue to be at an economic disadvantage despite our region’s thriving job market and strong economy.

Similar patterns can be found across the nation — rising income inequality and persistent racial gaps in health, education, employment, income and wealth preventing all people from realizing their full economic potential. As the demographics of our region continue to shift, the costs of inequality will grow.

However, the Twin Cities not only mirrors what is happening throughout the United States, but in several key areas, our hometown actually fares worse. Recent statistics on home ownership, income inequality, wages, and educational attainment all paint a picture of glaring disparities that could impact the region’s long-term success.

Equalizing economic opportunities for communities of color is not just important for these families and communities but also critical to a vibrant and growing economy, which ultimately benefits all.

Compelled by this data, Target Foundation recognizes that everyone’s future depends on overcoming inequalities and has made racial equity the cornerstone of its hometown program.

Our Desired Outcome

In our hometown program area, the Target Foundation envisions racial equity that enables shared prosperity and opportunity for all. To achieve this vision, the Foundation believes that our hometown region needs:

• A strong frontline of Black-, Indigenous- and people of color-led direct service organizations that are well-resourced, connected and able to serve the most marginalized communities, lifting them out of poverty and into economic vitality.
• Well-coordinated and well-resourced multi-sector networks, coalitions and alliances that are catalyzing economic development in the Twin Cities’ poorest neighborhoods, while displacing no one and leaving no one behind.

Who do we want to impact?

• Black communities, Indigenous communities and other communities of color.
• Historically disinvested communities.
• Individuals with low income.

Funding

Estimated grant size will range from $25,000-$200,000.

Minnesota Housing Mission and Strategic Priorities

Housing is the foundation for success, so we collaborate with individuals, communities and partners to create, preserve and finance affordable housing.

Minnesota Housing’s strategic priorities are:

• Improve the Housing System
• Preserve and Create Housing Opportunities
• Make Homeownership More Accessible
• Support People Needing Services
• Strengthen Communities

Impact Fund Program Overview

The Community Homeownership Impact Fund (Impact Fund) provides funding for developers and administrators of single-family, owner-occupied affordable and workforce housing activity in communities across Minnesota. Resources are available through a competitive Request for Proposal published each spring.

The goal of the Impact Fund is to increase the supply of affordable, owner-occupied, single family housing, while maintaining the safety and habitability of existing owner-occupied, single family homes in communities throughout Minnesota.

Types of Funds Available

Interim Loan

A short-term, low-interest bearing loan made to assist an administrator with acquiring, demolishing, rehabilitating or constructing owner-occupied housing.

Deferred Forgivable Loans

Interest-free deferred loan financing is available to help eligible homeowners bridge affordability gaps not covered by first-mortgage or other funding sources.

Grant

Provided to bridge value gaps between a project’s total development cost and its fair market value or for other eligible activities where recapture of loan funds proves infeasible or unaffordable.

Funding Terms

All funded housing activities must result in safe, habitable, affordable single family owner- occupied housing that conforms to the Minnesota State Building code and local codes and regulations. Applicants are encouraged to form working partnerships with one or more entities to achieve the objectives stated in their proposal.

The type, terms and conditions of assistance will vary depending on the needs outlined in each proposal and the availability of funding resources. Generally, if an activity may be addressed through a loan rather than a grant, a loan will be offered.

Awarded projects must be completed within 20 months from the effective date of the contract. Awarded interim loans may have a Repayment/Expenditure Date of up to 26 months; however, the Agency may adjust the loan terms based on a financial feasibility analysis by Agency staff or requirements and conditions of other funding sources. The determination of financial feasibility is based on whether all sources of funding are available and sufficient to cover the total development costs of the housing.