2021.09.09 EDA Meeting PacketAGENDA
ECONOMIC DEVELOPMENT AUTHORITY OF THE CITY OF CRYSTAL
REGULAR MEETING
THURSDAY, SEPTEMBER 9, 2021
6:15 P.M.
CRYSTAL CITY HALL
COUNCIL CHAMBERS
1. Call to order *
2. Roll call *
3. Approval of minutes from August 17, 2021 Regular Meeting
4. Consider a resolution adopting a proposed 2022 EDA budget and HRA tax levy
5. Consider authorizing home improvement program changes effective January 1, 2022
6. Other business *
7. Adjournment *
*Items for which no materials are included in the packet
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Minutes of the
Economic Development Authority of the City of Crystal
Regular Meeting
Council Chambers
August 17, 2021
1. Call to Order
President Parsons called the meeting of the Economic Development Authority of the City
of Crystal (EDA) to order at 10:04 p.m.
2. Roll Call
Upon call of the roll, the following members were present: Jim Adams, Brendan Banks,
John Budziszewski, David Cummings, Therese Kiser, Nancy LaRoche and Olga Parsons.
The following staff were present: Executive Director Anne Norris and Deputy Executive
Director John Sutter.
3. Approval of Minutes
Moved by Commissioner Banks and seconded by Commissioner Adams to approve the
minutes from the June 15, 2021 regular meeting. Motion carried.
4. Consider authorizing home improvement program changes effective January 1, 2022.
Staff presented proposed changes to the home improvement program to go into effect
January 1, 2022. The EDA continued discussion of the item until September 9 and asked
staff to develop additional options for the EDA’s consideration.
5. Other Business
Staff provided several updates.
6. Adjournment
Moved by Commissioner Budziszewski and seconded by Commissioner Kiser to adjourn
the meeting. Motion carried.
The meeting adjourned at 10:15 p.m.
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These minutes of the August 17, 2021 meeting of the Crystal Economic Development Authority
were approved by the Authority on ________________ ____, 20___.
______________________________
Olga Parsons, President
ATTEST:
____________________________
Therese Kiser, Secretary
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______________________________________________________________________
FROM: John Sutter, Community Development Director
______________________________________________________________________
TO: Anne Norris, Executive Director (for September 9 meeting)
DATE: September 1, 2021
SUBJECT: Consider a resolution adopting a proposed 2022 EDA budget and
HRA tax levy
As part of the annual budgeting process, the EDA formally requests a Housing and
Redevelopment Authority tax levy which would comprise most of its funding. The 2021
levy was $300,000. Staff is recommending a 2022 levy of $310,000 which is a 3.3%
increase. The HRA levy comprises most of the EDA’s revenue, with the remainder
being interest earned on the fund balance.
Budget Summary: 2019 2020 2021 2022
Actual Actual Adopted Proposed
Revenue 377,011 383,728 310,000 1 318,000 1
of which, levy is 281,707 283,935 300,000 310,000
Expenditures 433,579 2 385,079 371,798 384,850
Cash Balance
at End of Year 2,140,093 2,159,000 2,097,202 3 1,958,397 3
1 2021 adopted and 2022 proposed revenue does not
include any land sale proceeds, as that varies from year
to year depending on market conditions and the
characteristics of each parcel.
2 2019 expenditures do not include $1,150,000 transfer to
Park Improvement Fund for Becker Park or $295,000
in prior period adjustments.
3 Year end cash balances for 2021 and 2022 are estimates
from the Long Term Plan and may not track exactly with
revenue and expenditures.
EDA STAFF REPORT
Proposed 2022 HRA Levy
Page 2 of 2
Anticipated 2022 EDA activities:
One or more redevelopment projects in the Town Center redevelopment area
Continue and expand beautification efforts
Sale of property currently being held by the EDA
Home improvement grants for households not eligible for use of TIF funds
Adoption of the attached resolution is requested. Please note that, whatever levy
amount is set, it cannot be increased but may be reduced when the final 2022 budget
and tax levy are set in December.
ECONOMIC DEVELOPMENT AUTHORITY OF THE CITY OF CRYSTAL
HENNEPIN COUNTY
STATE OF MINNESOTA
RESOLUTION NO. 2021 - 07
ADOPTING A PROPOSED 2022 BUDGET AND PROPERTY TAX LEVY
AND REQUESTING THEIR APPROVAL BY THE CITY COUNCIL
WHEREAS, the Economic Development Authority of the City of Crystal (the “EDA”) undertakes
redevelopment and housing activities in the City of Crystal, Minnesota (the “City”); and
WHEREAS, pursuant to authority granted by Minnesota Statutes, Section 469.02 and the
enabling resolution of the EDA, the EDA exercises all of the powers of a housing and
redevelopment authority (“HRA”) as described in Minnesota Statues, Section 469.001 to
469.047 (the “Act”); and
WHEREAS, under Section 469.033 Subdivision 6 of the Act, an HRA is authorized to levy and
collect special benefit taxes on all taxable property under the jurisdiction of the HRA, that is,
property in the City; and
WHEREAS, the permitted levy is 0.0185 percent of the estimated market value of the property
in the City.
NOW, THEREFORE, BE IT RESOLVED by the Economic Development Authority of the City of
Crystal as follows:
1. The EDA hereby adopts a proposed 2022 budget for housing and redevelopment in the
amount of $384,850.
2. The EDA hereby adopts a proposed 2022 property tax levy of $310,000 for the purpose
of funding the adopted budget in conformance with Section 469.033, Subdivision 6 of
Minnesota Statutes.
3. The Executive Director is authorized and directed to transmit a certified copy of this
Resolution to the City Council of the City of Crystal for its consent and approval as
provided by Section 469.033 of the Act and for certification to the Property Tax Manager
of Hennepin County.
Adopted this 9th day of September, 2021.
_______________________________
Olga Parsons, President
_______________________________
Anne Norris, Executive Director
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__________________________________________________________________________
FROM: John Sutter, Community Development Director
DATE: September 2, 2021
TO: Anne Norris, Executive Director (for September 9 EDA meeting)
SUBJECT: Consider authorizing Home Improvement Program changes effective
January 1, 2022
BACKGROUND
The EDA pays for its two home improvement programs, the Home Improvement Grant and
Community Fix-Up Fund Interest Write-Down, with a combination of funds from Tax Increment
Financing (TIF) District #4 (#2155) and the EDA tax levy. For example, in 2020, program
expenditures were $237,186 (85%) from TIF and $42,208 (15%) from EDA.
TIF funds are used for projects located in the redevelopment project area when the
household income is ≤100% of area median income (AMI) for 1-2 person households and
≤110% of AMI for 3+ person households.
EDA funds are used for projects that are not eligible for TIF funds but are still eligible for the
programs because their household income is ≤110% AMI regardless of household size. For
example:
‐ A 1-2 person household with an income between 100-110% AMI would need funding
from the EDA funds even if they are located within the redevelopment project area.
‐ Any project located outside the redevelopment project area would need funding from
the EDA funds, subject to the overall maximum household income of 110% AMI.
EXPENDITURE TRENDS
Continuing a trend that began in 2020, demand for the EDA’s home improvement grant
program has increased throughout the first half of 2021. Total expenditures for January-June
2021 were $270,213 which is approaching the annual budget of $298,046. While there are
ample fund balances in both the TIF and EDA funds to cover program expenditures in excess
of budget in the near term, the rate of spending is unsustainable as it would exhaust the TIF
fund balance in early 2026.
EDA STAFF REPORT
Home Improvement Program Changes
STAFF RECOMMENDATIONS FOR PROGRAM SUSTAINABILITY
To reduce future program expenditures, staff requests that the EDA (1) reduce the maximum
grant and increase the minimum project size, and (2) modify the household income limits.
For each of these actions, staff has prepared a set of options for EDA consideration. Staff is
recommending one option within each set, but the EDA could choose any option in each set.
The changes would take effect on January 1, 2022 to provide time for staff to make community
members aware of the program changes so they can adjust their plans and timing for
application submittal.
MAXIMUM GRANT AND MINIMUM PROJECT SIZE OPTIONS
With any of these options, we would also need to increase the minimum project size, currently
$2,000 ($400 grant). This is because CEE charges admin at 15% of the grant, and therefore
“makes” money on large grants and “loses” money on small grants. Each of these options is
structured so the lost admin revenue from large grants is offset by reducing the number of
small grants.
Current Parameters: ● Grant is 20% of project cost
● $10,000 maximum grant regardless of project cost
● $2,000 minimum project cost ($400 grant)
● Annual figures extrapolated from first half of 2021:
$541,826 expenses
138 projects
Option A: Decrease maximum grant to $6,000; increase minimum project to $4,000
Effect of $6,000 maximum grant: Effect of $4,000 minimum project:
$73,578 (14%) expenditure reduction $5,368 (2%) expenditure reduction
Same number of projects funded 8 (6%) fewer projects funded
Total impact of Option 1: $78,946 (15%) annual expenditure reduction
8 (6%) fewer projects funded each year
Option B: Decrease maximum grant to $8,000; increase minimum project to $3,000
Effect of $8,000 maximum grant: Effect of $3,000 minimum project:
$32,200 (6%) expenditure reduction $2,442 (<1%) expenditure reduction
Same number of projects funded 4 (3%) fewer projects funded
Total impact of Option 2: $34,642 (6%) annual expenditure reduction
4 (3%) fewer projects funded each year
MAXIMUM HOUSEHOLD INCOME OPTIONS
HH Current Option 1 Option 2 Option 3
Size 110% AMI 100% AMI 90-100-110% 80-90-100%
1 $80,850 $73,500 $66,150 $55,950
2 $92,400 $84,000 $84,000 $75,600
3 $103,950 $94,500 $103,950 $94,500
4 $115,400 $104,900 $115,400 $104,900
5 $124,650 $113,300 $124,650 $113,300
6 $133,850 $121,700 $133,850 $121,700
7 $143,100 $130,100 $143,100 $130,100
8 $152,350 $138,500 $152,350 $138,500
Reduction in Expenditures: $35,188 (7%) $56,992 (11%) $96,532 (18%)
Reduction in Projects: 12 (9%) 18 (13%) 30 (22%)
Option 1 Option 2 Option 3
100% AMI 90-100-110% 80-90-100%
COMBINATIONS RECOMMENDED BY STAFF
Option A-2: This option gets most of its savings from changing the grant/project thresholds
Decrease maximum grant to $6,000; increase minimum project to $4,000
Decrease max. HH income to 90% AMI for 1 person households and 100% AMI for 2
person households; 3+ person households remain at 110% AMI
Estimated Impacts: $135,488 (25%) annual expenditure reduction
26 (19%) fewer projects each year
Option B-3: This option gets most of its savings from changing the income thresholds
Decrease maximum grant to $8,000; increase minimum project to $3,000
Decrease max. HH income to 80% AMI for 1 person households, 90% AMI for 2 person
households and 100% AMI for 3+ person households
Estimated Impacts: $131,174 (24%) annual expenditure reduction
34 (25%) fewer projects each year
OTHER RECOMMENDED CHANGES
Increase the Current Contract Budget
The current contract budget needs to be increased to $462,000 to get through the transition
period between now and when the program changes begin to reduce expenditures. Sufficient
funds are available in the TIF and EDA funds. The alternative would be to freeze the program
from approximately late 2021 until July 1, 2022 when the next contract goes into effect. This is
not ideal for homeowners looking to make home improvements which often take a long time to
plan and execute.
Eliminate the Fix-Up Fund interest subsidy
This program has been used far less than the grant program, and the state Fix-Up Fund’s
interest rate is low enough that the city funds are not needed for the foreseeable future. The
current situation presents an opportunity to eliminate this program and focus on the grant
program as our single, and very popular, program offering.
ATTACHMENTS
These changes are shown in the attached redlines of Exhibits A and B to the current contract
with Center for Energy and Environment. In Exhibit A you will see the two options for changing
the grant/project thresholds and three options for changing the household income thresholds.
Also attached are three figures illustrating projected program finances as follows:
A. Forecast as of March 2021 based on expenditures through 2020 (the EDA saw these when
it amended the TIF plan in March)
B. Forecast based on expenditures in the first half of 2021 without program changes
C. Forecast based on staff-recommended changes
Please note that the staff-recommended changes will keep the program expenditures roughly
in line with tax increment received until the TIF district expires at the end of 2025. We will still
need to have a conversation about whether to continue the program using the EDA/HRA levy
after the TIF fund balance is exhausted in early 2027. This should occur no later than 2024
when the 2025-2026 biennial budget is discussed, prepared and adopted.
REQUESTED EDA ACTION
Approval of a motion to authorize an amendment to the current home improvement
program contract with Center for Energy and Environment as follows:
Maximum Grant and Minimum Project Size Option __A (or) __B
Maximum Household Income Option __1 (or) __2 (or) __3
Increase the current contract budget from $308,079 to $462,000
Eliminate the Fix-Up Fund Interest Subsidy
Staff recommends a
combination of A-2 or B-3
Figure A Forecast as of March 2021 based on actual expenditures through 2020
Figure B Forecast as of August 2021 based on actual expenditures in the first half of 2021 with no program changes
Figure C Forecast as of August 2021 based on staff-recommended changes to take effect in 2022
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Exhibit A - # Page 1
EXHIBIT A
Crystal Program Guidelines
This document includes guidelines for the
City of CrystalHome Improvement Grant Program of the
and the MHFA Interest Subsidy Program
Economic Development Authority of the City of Crystal
Exhibit A - # Page 2
CRYSTAL PROGRAM GUIDELINES
The Crystal Economic Development Authority (Authority) is making funds available for homeowners to
assist with home maintenance and energy improvements. The Crystal Grant and Interest Subsidy
Programs are designed to supplement existing loan programs available from MHFA, CEE, private lenders
and other housing resources. These programs are not intended to be the sole source of improvement
funds available to the homeowners in the City. Center for Energy and Environment shall serve as the
administrator for the Crystal Grant and Interest Subsidy Programs and will secure the most beneficial
financing based on the borrower’s needs independent of the funding source.
Eligible Project Expenses:
Interior remodeling
Building additions
Finishing basements, attics or similar spaces to convert them into habitable space
Energy efficiency improvements
Exterior building improvements such as roofing, siding, soffits/fascia, windows and doors
Site improvements such as retaining walls, sidewalks, driveways, fences, patios, decks, garages and
the removal of diseased or hazardous trees
Systems such as HVAC, electrical and plumbing
Permanent Landscaping
Ineligible Project Expenses:
Payment for work initiated prior to the grant being approved and closed, unless due to emergency.
Recreation or luxury projects (pools, lawn sprinkler systems, playground equipment, saunas,
whirlpools, etc.)
Furniture, non‐permanent appliances (unless part of a kitchen remodel), funds for working capital,
debt service or refinancing existing debts.
Homeowner labor or other in‐kind contributions to the project.
Minimum Project Size:
For applications submitted and fully complete no later than December 31, 2021: Eligible Project Expenses
must total at least $2,000 to qualify for a grant.
For applications submitted and fully complete after December 31, 2021: Eligible Project Expenses must
total at least $4000 (or) $3,000 to qualify for a grant.
Grant Amount:
20% of Eligible Project Expenses, except as noted below:
Exception: For projects replacing or lining a sanitary sewer service and/or disconnecting stormwater
drainage (sump connections, foundation drains, etc.) from the sanitary sewer, the grant amount is
40% of those particular, itemized project costs. This is intended to augment the city's efforts to
reduce inflow & infiltration into the sanitary sewer system. In many cases this work will be triggered
by, and completed in conjunction with, the city's utility reconstruction projects (typically 1‐4 blocks
per year). However, any income‐qualified, owner‐occupied residential property in the city is eligible.
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Crystal Grant Program
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Exhibit A - # Page 3
For applications submitted and fully complete no later than December 31, 2021: No property may receive
grants totaling more than $10,000 in any calendar year.
For applications submitted and fully complete after December 31, 2021: No property may receive grants
totaling more than $6,000 (or) $8,000 in any calendar year.
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Exhibit A - # Page 4
Eligible Properties: 1‐4 unit owner‐occupied properties located within the geographical boundaries of
the City of Crystal. Properties held in a Trust, Townhomes and Condominiums are eligible, subject to
Association Bylaws. Properties may be held in a Contract for Deed. If the property has more than 1
unit, the non‐owner‐occupied units must be in compliance with the City of Crystal’s rental licensing
requirements.
Ineligible Properties: Dwellings with more than 4 units, cooperatives, manufactured homes, time
shares, properties used for commercial purposes and non‐owner occupied properties.
Eligible Recipients: All recipients must be legal residents of the United States, as evidenced by a social
security number, Including: U.S. Citizens, Permanent Resident Aliens, and Non‐Permanent Resident
Aliens. TAX IDENTIFICATION NUMBERS (ITIN) ARE NOT ACCEPTABLE.
Ineligible Recipients: Including but not limited to: ‐ Businesses, Foreign Nationals, Non‐Occupant Co‐
Borrowers, and Properties held in the name of a trust.
Income Limit:
For applications submitted and fully complete no later than December 31, 2021: The property owner’s
household income shall not exceed 110% of the HUD Regional Median Income based on household size.
Income will be determined by the adjusted gross income on the most recent Federal Tax Return. If a tax
return is not required, income will be determined by the projected gross income for the upcoming 12
months.
For applications submitted and fully complete after December 31, 2021: Household income shall not
exceed the following maximum household income thresholds using HUD Regional Median Income
based on household size:
100% of regional median income
(or)
90% of regional median income for 1‐person households
100% of regional median income for 2‐person households
110% of regional median income for households of 3 or more persons
(or)
80% of regional median income for 1‐person households
90% of regional median income for 2‐person households
100% of regional median income for households of 3 or more persons
Income will be determined by the adjusted gross income on the most recent Federal Tax Return. If a
tax return is not required, income will be determined by the projected gross income for the upcoming
12 months.
Credit Requirements: 1) All mortgage payments must be current, 2) All real estate taxes must be
current, and 3) No defaulted government loans, tax liens or child support.
Bids: Two estimates are required. Only 1 materials list is required for sweat equity projects. All
contractors must be properly licensed
Sweat Equity / Homeowner Labor: Work may be performed by property owners on a “sweat equity”
basis, but only the purchase of materials and rental of tools or equipment will be considered an Eligible
Project Expense.
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Exhibit A - # Page 5
Recipient Paid Fees: None
Deadline for Work Completion: All work must be completed within 120 days of the grant closing.
Extensions may be granted by CEE due to weather or similar factor.s.
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Exhibit A - # Page 6
Interest Rate: 3% fixed
Amortization Type: Amortizing. Closed‐end (Monthly Payments Required)
Loan Amount: Minimum of $2,000 and Maximum of $50,000.
Total Project Cost: The borrower must have sufficient funds necessary to cover the cost of the entire
project (as outlined in the bid(s). Additional funds may come from personal savings, gifts, or other
loan funds.
Loan term: Generally, one year per $1,000 borrowed. This will be somewhat flexible depending on
the size of the loan and the borrower’s ability to repay the loan. The minimum term is 1 year; the
maximum term will be 15 years.
Eligible Properties: 1‐4 unit owner‐occupied properties located within the geographical boundaries
of the City of Crystal. Townhomes and Condominiums are eligible, subject to Association Bylaws.
Properties may be held in a Contract for Deed.
Ineligible Properties: Dwellings with more than 4 units, cooperatives, manufactured homes, time
shares, properties held in the name of a trust and properties used for commercial purposes.
Eligible Borrowers: All borrowers must be legal residents of the United States, as evidenced by a
social security number, Including: U.S. Citizens, Permanent Resident Aliens, and Non‐Permanent
Resident Aliens. TAX IDENTIFICATION NUMBERS (ITIN) ARE NOT ACCEPTABLE.
Ineligible Borrowers: Including but not limited to: ‐ Businesses, Foreign Nationals, Non‐Occupant Co‐
Borrowers, and Properties held in the name of a trust.
Ownership/Occupancy: Owner‐ occupied only.
Loan ‐ to ‐ Value Ratio: The ratio of all loans secured by the property, including the new loan,
should not exceed 110% of the property value. Half of the improvement value may be added to the
initial property value.
Income Limit: The property owner’s household income shall not exceed 110% of the HUD Regional
Median Income based on household size or the MHFA income limit, whichever is less. Income for
eligibility will be determined by the projected income for the next 12 months per MHFA guidelines.
Debt ‐ to ‐ Income Ratio: Applicant must have the ability to repay the loan. An applicant who has a
debt to income ratio in excess of 48% will be ineligible to receive financing.
Crystal Interest Subsidy Program
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Exhibit A - # Page 7
Credit Requirements: All borrowers must have a minimum credit score of 620 and: 1) All mortgage
payments must be current and reflect no 30 day late payments history in the past 12 month period
(without reasonable explanation). 2) All real estate taxes must be current. 3) No outstanding
judgements or collections (excluding medical). 4) Bankruptcy must have been discharged for at least
18 months prior to loan closing. 5) The redemption period on prior foreclosures must have occurred
at least 18 months prior to the loan application date. 6) Generally, no more than two 60‐day late
payments on credit report. Any 60 day late requires a documented explanation and reasonable
reasons; medical, unemployment, divorce. 7) No defaulted government loans.
Multiple Loans per Property: More than one loan per property is allowed, however, the outstanding
balance(s) cannot exceed $50,000.
Eligible Use of Funds: Same as the current MHFA guidelines
Ineligible Use of Funds: Payment for work initiated prior to the loan being approved and closed,
unless due to emergency. Recreation or luxury projects (pools, lawn sprinkler systems, playground
equipment, saunas, whirlpools, etc.), furniture, non‐permanent appliances, and funds for working
capital, debt service, homeowner labor or refinancing existing debts are NOT allowed.
Bids: Only one bid/estimate is required. All contractors must be properly licensed
Sweat Equity / Homeowner Labor: Work may be performed by property owners on a “sweat equity”
basis. Loan funds may be used only for the purchase of materials. Loan funds cannot be used to rent
tools/ equipment or compensate for labor.
Loan Security: Determined by MHFA requirements.
Borrower Fees: Borrower will be responsible for a 1% origination Fee (which may be financed),
mortgage filing and service fees, flood certificate, credit report and any other applicable closing fees.
Underwriting Decision: Applicants must have acceptable credit history. CEE will approve or deny
loans based on a credit report, income verification and other criteria as deemed necessary through
CEE’s underwriting guidelines. CEE’s decision shall be final.
Work Completion: All work must be completed within 9 months of the loan closing.
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Exhibit A - # Page 8
General Program Conditions
Application Processing: Grants/Loans will be distributed on a first come first serve basis as
recipients/borrowers qualify. Applicants must provide a completed application package including the
following in order to be considered for funding.
Completed and signed application form
Proof of income
Proof of Identity (drivers license, passport, etc.)
Bids or estimates for proposed projects
Other miscellaneous documents that may be required.
Program Costs: Grant/loan origination fees, grants, interest subsidies and post‐installation inspection
fees will be paid out of the Program Budget. Program marketing efforts will be billed directly to the City
of Crystal and is a separate expense should the city choose to commission CEE for marketing support.
Total Project Cost: It is the recipient/borrower’s responsibility to obtain the amount of funds necessary
to finance the entire cost of the work. In the event the final cost exceeds the original amount, the
borrower must obtain the additional funds and provide verification of the additional funds in order to
proceed.
Disbursement Process:
Grant: Payment to the contractor (or owner in sweat equity situations) will be made upon completion
of work. An inspection will be performed by a City Inspector and/or CEE to verify the completion of the
work. The following items must be received prior to final disbursement of funds:
Final invoice or proposal from contractor (or materials list from supplier);
Final inspection verification by a City Inspector (or CEE);
Completion certificate(s) signed by borrower and contractor;
Lien waiver for entire cost of work;
Evidence of city permit (if required)
Interest Subsidy Program: Payment is disbursed to borrower(s) after loan closing
EXHIBIT B
Crystal Program Budget
July 1, 2021 ‐ June 30, 2022
A. Crystal Grant Budget Allocation (includes Grants plus Annual Administration Fee, Post‐
Installation Inspection Fees and Grant Origination Fees): $275,198$462,000
B. MHFA Interest Subsidy Program Budget Allocation: $32,881
TOTAL PROGRAM BUDGET: $308,079$462,000
Budget Notes:
1. CEE shall submit monthly invoices for grants, origination fees, interest subsidy and post‐
installation inspections for that period.
2. Services performed by CEE will initially be funded from the Total Program Budget as
stated above and paid in accordance with the following schedule.
(1) Annual Administration Fee $2,500 (due July 1st of each year the contract is
active)
(2) Origination Fee: Grant 15% per grant closed
(3) MHFA Interest Subsidy varies
(4)(3) Post‐Installation Inspection Fee $100
3. Marketing
Marketing efforts outside of CEE’s website and loan information are not included in the
administrative budget. Hourly rates are inclusive of all overhead expenses and will be
charged only for hours directly related to the labor of all additional program marketing.
CEE will also be reimbursed by City of Crystal for any non‐labor, out‐of‐pocket expenses
relating to these services on a dollar‐for‐dollar basis.
Exhibit B ‐ #
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