This paper explores the history of preservation financing and the different financing structures currently available for owner-occupied housing across the nation. While there is a federal program for commercial structures, no such program exists for owner-occupied housing. This has restricted the availability of rehabilitation funds needed to increase the nation’s viable housing stock. A variety of programs are available from government agencies, from the non-profit sector, and as a result of partnerships between the two. The recommendations from this paper take into account best practices from current programs to propose a framework that can be instituted nationwide to provide funding options for owner-occupied homes.