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.

Bring Us a Project

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What We Do

Our role is simple: we help complete the capital stack so that viable, affordable housing projects can proceed. We provide:

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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:

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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.

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Banks and Foundations

We offer mission-aligned investment opportunities that multiply impact.

Community Leaders

We support viable housing projects that strengthen workforce stability.

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.