Federal, state, and local governments have all implemented various programs aimed at increasing the supply of affordable housing for low income residents. The loss of high wage, low skill jobs; the foreclosure crisis; tight credit; the national recession; and continuing problems in balancing the state budget have contributed to the need for new approaches to meet the challenge of affordable housing. While some communities are overwhelmed with vacant, foreclosed properties and dispossessed families, others are concerned with providing housing for low wage service workers, seniors, or special needs populations. The differences in regional economies within the state has resulted in a need for funding structures that can be adapted to meet particular low income housing needs.