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Member Bulletin

  • July 31, 2023
  • Bulletin No: 2023-17

Introducing Funding for Roofs Designed to Withstand Severe Storms

The Federal Home Loan Bank of Dallas (Bank) is pleased to announce the availability of $1.75 million in grant funds through members to assist income-qualified homeowners in funding storm-resistant roofs that are designed to prevent damage from hurricanes, high winds, hailstorms, severe thunderstorms and tornados rated EF2 or lower.
The Bank’s FORTIFIED Fund grants will be available to members beginning August 21, 2023, and can be used to replace roofs on existing homes or subsidize the cost of roofs on new construction homes that are built with storm resistant materials to FORTIFIED construction standards:

  • The Bank’s FORTIFIED Roof Grant: A replacement roof for an existing home
  • The Bank’s FORTIFIED Construction Grant: A roof on a newly constructed home
Eligible households may receive up to $15,000 for a roof replacement on an existing home or up to $7,500 toward a roof on a newly constructed home within the Bank’s District of Arkansas, Louisiana, Mississippi, New Mexico and Texas. The funds may be applied toward the actual cost of the roof plus any allowable intermediary and evaluator fees not to exceed the amounts set forth in the preceding sentence.

  • Households must be owner-occupied and have a family income of 120 percent or less of the median income for the area at the time the household is accepted for enrollment by the member
  • The condition of the home will be evaluated prior to acceptance into the program by a qualified evaluator or third-party inspector who will be required to provide documentation that the home is built to certain standards to be eligible for the program
  • While most homes will meet the requirements for the roofs provided under this program, please review the application for instances involving unreinforced foundations, roof sheathing or decking that could make a home ineligible
Program Requirements:
  • The roof must be completed in accordance with the Bank’s FORTIFIED Roof Grant or the Bank’s FORTIFIED Construction Grant requirements, as applicable
  • The member institution must pass on the full amount of the funds for the benefit of the household for which the funds were approved, which must be documented in applicable roof-related documents
  • The roof replacement under the Bank’s FORTIFIED Roof Grant and certification must be completed within 90 days of the Bank’s funding commitment date, and the roof construction under the Bank’s FORTIFIED Construction Grant and certification must be completed within 180 days of the Bank’s funding commitment date
  • For funds to be disbursed via the Bank’s FORTIFIED Roof Grant, a roof certification from an evaluator trained by the Insurance Institute for Business & Home Safety (IBHS) is required along with the final invoice for the roof
  • For funds to be disbursed on a new home under the Bank’s FORTIFIED Construction Grant, a certification for the home will be required along with an executed final closing disclosure noting the homebuyer and the home address for which the funds were committed
How to Submit a Request:
Applications can be found at Combine the completed application forms along with any third-party documentation and submit application requests via email to
If an application is approved, an email will be sent to the member contact notifying them of the committed funds.
Funds are available on a first-come, first-served basis until they are exhausted or December 31, 2023, whichever occurs first.
How You Can Learn More:
Register here or at for an informational webinar at 10:00 a.m., Monday, August 21. The webinar, open to members and housing organizations, will provide an overview of the programs and a walk-through of the eligibility criteria and the application process.
You may also plan to attend one of the upcoming in-person learning sessions in your area that will begin August 1. See for more information and to RSVP.
Please see for more information, including program enrollment information, frequently asked questions and the amount of funds still available, or call 800.362.2944 to reach an affordable housing analyst.



Sanjay K. Bhasin
President and Chief Executive Officer