Goal is to revitalize neighborhoods by assisting in providing decent, safe, and affordable housing in Western South Dakota. Assistance in helping families buy, fix, and keep their homes through: Down payment and closing cost assistance - Rehab loans (can only work with homes on a permanent foundation, no manufactured homes on rented lots): Within City limits of Rapid City - These funds include 5 year forgivable loans, Deferred loans and low interest loans depending on the homeowners income. They can be used for a variety of Life Safety repairs like heating, plumbing, electrical, windows, roofs, decks and steps, handicap access and more. Rural Areas - These funds include 3 and 5 year forgivable loans, Deferred loans and low interest loans depending on the homeowners income. They can be used for a variety of Life Safety repairs like heating, plumbing, electrical, windows, roofs, decks and steps, handicap access and more. Affordable housing Credit counseling Home-buyer education Foreclosure prevention and counseling