The Federal Home Loan Banks' Affordable Housing Program (AHP) is one of the largest private sources of grant funds for affordable housing in the United States. It is funded with 10% of the Federal Home Loan Banks' net income each year. The AHP allows for funds to be used in combination with other programs and funding sources, like the Low-Income Housing Tax Credit. These projects serve a wide range of neighborhood needs: many are designed for seniors, the disabled, homeless families, first-time homeowners and others with limited resources. More than 811,500 housing units have been built using AHP funds, including 475,000 units for very low-income residents. The Federal Home Loan Bank System is the largest single funding provider to Habitat for Humanity. The total AHP dollars since 1990 is over $4.86 billion.