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Special Needs Assistance Program

"It is amazing what this program has accomplished over the years. There are few others like it, and Renasant Bank is proud to offer this unique opportunity to eligible Tupelo homeowners.”

- Phyllis Drope, executive vice president, Renasant Bank

SNAP Funds Available as of August 3, 2020: $0

Member Submission Maximum: $60,000

Through member institutions, SNAP provides grant funds for the repair and rehabilitation of owner-occupied housing of eligible, special-needs individuals. The remaining funds will be available to members starting August 3, 2020.

SNAP Program Maximum Award

The maximum SNAP program award per household is $6,000, unless the member contributes $350 toward the rehabilitation costs and/or inspection fees, then the maximum SNAP program award per household is $7,000.

For more information about the SNAP program, call the Community Investment department at 800.362.2944.

Members Participating in SNAP

Below is a link to a list of members who participate in the SNAP program. Participating members are located within the state of charter origin and are listed in alphabetical order. Please note that members have their own underwriting criteria, lending area or may have reached their FHLB Dallas program cap within a given year; therefore, they may or may not be able to assist you.

SNAP Requirements

  • Households must have a family income of 80 percent or less of the median income for the area. 
  • Only special-needs households are eligible. Please see Attachment A of the Affordable Housing Program Implementation Plan for the definition of "special needs". The household will qualify if at least one household member meets the special needs definition. Please see the SNAP Funding Manual for acceptable documentation to evidence special needs.
  • SNAP funds may not be used in conjunction with any approved AHP, HELP or Disaster grant.
  • The member shall pass on the full amount of the SNAP funds as a grant for the benefit of the household for which the SNAP funds were approved, which must be documented in applicable documents related to the rehabilitation.
  • Actual invoices or signed cost estimates and a pre-rehabilitation inspection report are required evidencing the amount of SNAP funds requested. Verification of the completed rehabilitation work via a post-rehabilitation inspection report is required.
  • A Formal pre-inspection of the rehabilitation work and property is not required to submit the application; however, will be required prior to disbursement. Post-inspection of the rehabilitation work is required and must be conducted by an independent third-party selected by the member. Unless the intermediary is a government-controlled entity, the third-party inspector must not be related to the intermediary. The combined inspection fees and developer fee may not exceed 15 percent of the rehabilitation cost portion of the SNAP funds. If the member conducts its own post-inspection of the rehabilitation work at no cost, the developer fee to the intermediary may not exceed 10% of the rehabilitation cost portion of the SNAP funds.
  • Homeowners may not receive any cash back from the rehabilitation.
  • FHLB Dallas will grant up to $6,000 toward the rehabilitation, unless the member contributes $350 toward the rehabilitation costs and/or inspection fees, in which case FHLB Dallas will grant up to $7,000 toward the rehabilitation.
  • Subject to the following sentences, SNAP funds may be used to pay for third-party inspection costs and developer fees not to exceed 15 percent of the rehabilitation cost portion of the SNAP funds. The party inspection costs and developer fees may be paid with SNAP funds only if (i) the costs are not paid by any other source (including the member) and (ii) the homeowner receiving the cost assistance utilizes SNAP funds to rehabilitate the home.
  • The rate of interest, points, fees and any other charges for a loan made in conjunction with the SNAP subsidy must not exceed a reasonable market rate of interest, points, fees and other charges for a loan of similar maturity, terms, and risk.
  • The SNAP-assisted property must be located within FHLB Dallas' District of Arkansas, Louisiana, Mississippi, New Mexico or Texas.

Detailed information and guidelines governing SNAP can be found in attachment C of the AHP Implementation Plan.


​SNAP Application

FHLB Dallas does not provide grants or loans directly to consumers. Consumers, community-based organizations and similar entities seeking SNAP funds should contact an FHLB Dallas member institution. Members submit SNAP grant requests to FHLB Dallas. SNAP grants are available to member institutions during the annual submission period. Remaining funds are available starting on August 3, 2020.

Member Enrollment

FHLB Dallas members may access SNAP funds once they have completed the SNAP Member Enrollment Application. This is a one-time enrollment application necessary for participation in the SNAP program. The SNAP Member Enrollment Application includes the SNAP Subsidy Agreement, which explains member obligations under the program.

The SNAP Member Enrollment Application and SNAP Subsidy Agreement needs to be signed by a person listed on the current advances signature card on file with FHLB Dallas.

Original signatures are required. Please send the original forms to:

Federal Home Loan Bank of Dallas
Attention: Community Investment Department
8500 Freeport Parkway South, Suite 600
Irving, TX 75063

After completing the enrollment process, members will be eligible to request SNAP funds during each annual offering.



​SNAP Funding Process

Once enrolled in SNAP, the member must submit a request to access SNAP grant funds. Detailed information about the SNAP funding process is available in the SNAP Funding Manual. Please note that several changes have been made to the funding manual. Please use the 2020 version posted on the website when submitting disbursement requests.

The request(s) may be submitted via GrantConnect. Members may upload disbursement request submissions for the remaining $140,325 through the GrantConnect portal starting August 3, 2020, until funds are exhausted. Access to the portal is limited to members. Members can register for access at Contact the Community Investment department at 800.362.2944 if you have questions or are unsure about your access.

SNAP funds will be disbursed to members on a first-come, first-served basis, one homebuyer at a time starting at 10:00 a.m. CT on August 3, 2020.