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Should we apply?

7 questions about Comprehensive Housing Counseling (CHC) and the Housing Counseling Training (HCT) NOFO (FY2026). The first ones are deal-breakers: grant professionals check them before writing anything. We filled in what we know. Change anything that's wrong.

Is your kind of organization eligible? Deal-breaker

The funder lists: State government, Nonprofit with 501(c)(3), and others named in the official notice.

Who can apply, from the official notice
1. Eligible applicants for the CHC award under this NOFO must satisfy the following criteria. Applicant must be approved to participate in the HUD Housing Counseling Program prior to the NOFO issue date. In addition, SHFAs are eligible for this NOFO if they possess statutory authority to provide housing counseling throughout their entire state and adhere to all program requirements outlined in 24 CFR Part 214, HUD Handbook 7610.1, and other governing policies and requirements.2. Eligible applicants for the HCT awards under this NOFO must satisfy the following criteria. Be a non-profit…

Read it all on the grant page · Official notice

Why it matters: Funders don't review applications from groups that aren't eligible. Source: Grants.gov: make sure you are eligible before writing

Do you serve the area this grant covers? Deal-breaker

GrantMe found: This is a nationwide program, so every Tennessee county is covered.

Why it matters: A grant limited to certain places can't pay for work outside them. Source: Grants.gov: make sure you are eligible before writing

Will your SAM.gov registration be active through the deadline? Deal-breaker

Why it matters: Federal agencies require an active SAM.gov registration to apply and to be paid. Source: Grants.gov: applicant registration

Does the project fit what this funder wants to pay for, without bending your mission?

Why it matters: Funders pay for their own goals. Bending your project to fit can pull you off your mission. Source: Grants.gov: ensure mission alignment before applying

Has this funder paid organizations like yours before?

Why it matters: Funders that paid groups like yours before are the likeliest to do it again. Source: Candid: find and evaluate potential funder matches

Have you managed a grant of similar size before (tracking spending and reporting)?

Why it matters: Funders expect you to track how the money is spent and report on the results. Source: National Council of Nonprofits: Managing Federal Grants, a start-up guide (2026)

Do you have someone with time to write it before the deadline?

Why it matters: A strong application takes time to write, and late ones usually aren't accepted. Source: National Council of Nonprofits: Managing Federal Grants, a start-up guide (2026)