Home Funds Direct

With the HOME funds through the consortium, Banks said, the county also could look at other programs, such as housing renovations and rehabilitations and demolition of dilapidated houses to make way for HOME-assisted development.

A debit card, of course, pulls funds direct from the cardholder's bank account, while a credit card is the extension of an unsecured personal loan from the card issuer. Behind the scenes, however, the real difference is that each type of transaction

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--Letters of credit (LOC) and debt service reserve funds (DSRFs) are in place to help offset any debt service payment shortfalls. --Debt levels are very high, although no additional borrowings are planned for the district at this time.

Missouri Housing Development Commission in low income housing tax credit equity, $900000 of HOME Funds from the Missouri Housing Development and $450000 of Affordable Housing Assistance from the St. Louis Housing Authority Development Corporation.