We Provide Gap Financing for Affordable Housing in Rural Northern California
Northern California Housing Trust provides flexible, below-market loans that help affordable housing projects move forward when financing gaps would otherwise stall them. We are the dedicated housing trust serving California’s rural North State.
What We Do
Our role is simple: we help complete the capital stack so that viable, affordable housing projects can proceed. We provide:
Pre-development loans
Construction Gap Financing
Flexible, below-market capital
Deployment support for local housing allocations, including PLHA funds
What We Do NOT Do
We complement existing partners by filling strategic financing gaps. We do not:
Develop housing
Build or manage properties
Regulate or administer housing programs
Replace banks or long-term financing
Who We Work With
If you are one of the following, you are in the right place:
Cities and Counties
We help deploy housing allocations efficiently and strategically.
Affordable Housing Developers
We provide flexible loans that strengthen your project’s overall financing.
Banks and Foundations
We help deploy housing allocations efficiently and strategically.
Community Leaders
We help deploy housing allocations efficiently and strategically.
Why Gap Financing Matters in the North State
Affordable housing funding involves multiple sources. Rural projects often require additional coordination to bring those sources together. Even well-planned projects can stall when one layer of financing is missing. A modest gap can delay or derail years of planning.
Northern California Housing Trust exists to close that gap.
How the Fund Works
01
We raise capital from banks, foundations, and community partners.
02
We deploy flexible, below-market loans into qualified housing projects.
03
As loans are repaid, capital is redeployed into the next project.
This revolving structure allows each dollar to support multiple developments over time.
The Outcome
Projects move from stalled to viable.
Public dollars are deployed strategically.
Developers gain confidence to proceed.
Financial institutions participate in stronger projects.
Affordable housing is built across the rural North State.
Tri Counties Bank
California Community Foundation
New Vision United Church of Christ
Global Giving
The Tri Foundation
City of Chico
North Valley Productions
Our Generous Partners, Donors and Investors
Partner With Us
Whether you are advancing a project, deploying housing funds, or seeking mission-aligned investment opportunities, we are ready to work with you.