Housing Programs
CEDAC Housing provides financing and expertise to non-profit, community-based developers looking to build or preserve quality affordable housing in Massachusetts.
Children's Investment Fund
Children’s Investment Fund offers non-profit, community-based child care providers the financial resources and technical assistance they need to create high quality learning environments.

For more than 35 years, CEDAC has helped to strengthen communities across the Commonwealth of Massachusetts by providing non-profit community development organizations with the financial resources they need to build quality affordable housing and child care facilities. Additionally, our staff of professionals help affordable housing developers, child care providers, and workforce development professionals with the technical assistance they need to turn an idea into reality. Our early stage capital and predevelopment loans has led to the production of thousands of affordable housing units from Boston to the Berkshires, and to quality child care centers in urban, suburban, and rural communities.

Welcome to our Website – if you are a non-profit community development organization seeking to produce or preserve affordable housing or a community-based non-profit childcare provider looking to upgrade or renovate your learning space, we may be able to help you. And if you have any questions regarding our loan products or our public policy work, please do not hesitate to contact us.

Roger Herzog
CEDAC Executive Director
Chrystal Kornegay
CEDAC Board Chair
“It was amazing how quickly CEDAC was able to help turn over our application in response to an overwhelming need. Their support was critical in ensuring this project [New Hope II] came to fruition.”
Deborah ChausseExecutive Director, House of Hope
  • The Challenges of Facility Improvement Projects

    Today in INSITES, Theresa Jordan, Director of Children's Facilities Finance, and Bree Horwitz, Senior Project Manager at Children's Investment Fund discuss the challenges that child care providers face when looking to improve their facilities. Read INSITES

  • Did You Know: Home Modification Loan Program Can Benefit Individuals with Autism and Dementia?

    In addition to our work with housing and child care, CEDAC works in cooperation with the Massachusetts Rehabilitation Commission (MRC) and the Department of Housing and Community Development (DHCD) to administer the Home Modification Loan Program. The program finances modifications to homes that improve accessibility for seniors and individuals with disabilities, allowing them to live more independently. This week in INSITES, Susan Gillam, Home Modification Loan Program Project Manager, sheds light on a lesser known use of the program - modifications for individuals with cognitive disabilities like autism and dementia. Read INSITES

  • Celebrating 50 Years of CHAPA

    This week in INSITES, we are congratulating one of our many partner organizations that have helped strengthen Massachusetts cities and towns on an important anniversary - Citizens's Housing and Planning Association (CHAPA). For 50 years, CHAPA has advocated for and supported community development in Massachusetts. CHAPA's impact is truly impressive, and we are so proud of what it has accomplished. Read INSITES

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Northampton affordable housing apartment complex 'The Lumber Yard' breaks ground / Nov 01, 2017
A groundbreaking ceremony was held in Northampton Wednesday for The Lumber Yard Apartments, a new affordable housing complex coming to the city. The project is the product of Northampton-based non-profit Valley Com...