Missing Middle Housing Fund

What Missing Middle Housing Fund does

Missing Middle Housing Fund (MMHF) is an Oregon-based 501(c)(3) nonprofit organization founded in 2021 and headquartered in Portland that focuses on the production gap in workforce housing for middle-income earners (80-120% of Area Median Income), a population that earns too much to qualify for traditional subsidies yet cannot afford market-rate housing. Oregon's housing deficit of approximately 140,000 units frames the market opportunity. MMHF operates four core programs: the Let's Build Summits (facilitated one-day convenings that have generated 20+ working groups across eight Oregon communities); a Supporting Innovators Program providing grants and direct investments to construction technology startups including HumanKind Homes, Unbrick, and Elemental Building Technologies; a Workforce Housing Investment Fund seeded with $3M from the State of Oregon that finances predevelopment costs for workforce housing serving employer consortia such as the Newberg Workforce Housing Consortium; and the Housing Innovation Village Experience (HIVE), a 10-unit cottage cluster in Newberg, Oregon that broke ground in June 2026 as the first hands-on demonstration site for housing innovation in the state.

Name

Missing Middle Housing Fund

Legal name

Missing Middle Housing Fund

Website

https://missingmiddlehousing.fund

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Missing Middle Housing Fund is an Oregon-based nonprofit that addresses the middle-income (80-120% AMI) workforce housing shortage through stakeholder convening, a $3M revolving investment fund, digital zoning partnerships, and the HIVE housing innovation demonstration project in Newberg.

Ownership category

akta.pro rank

Product category

Workforce Housing Facilitation Services

NAICS

Other Community Housing Services (624229)

SIC

Investors, Nec (6799)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industries

Community Development & Affordable Housing Funds (FSANAJAK), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)

Keywords

• Workforce housing facilitation
• Housing innovation programs
• Community development services
• Predevelopment loan funds
• Zoning digitization partnerships

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Grants and Public Funding: MMHF secures grant funding from public sources including Business Oregon Housing Infrastructure Support Fund (Senate Bill 1537), state legislative appropriations, and other government programs to support workforce housing initiatives.
2. Revolving Investment Fund Management: MMHF manages revolving predevelopment loan funds for workforce housing, deploying capital from state funding (e.g., $3M from Oregon for Newberg workforce housing) and managing investment committees to guide funds to eligible projects.
3. Technical Assistance and Consulting Services: The organization provides fee-based services including facilitated community workshops, employer workforce housing consulting, innovation pilot facilitation, and strategic consultations for communities and organizations seeking workforce housing solutions.
4. Event Sponsorships and Home Show Revenue: HIVE event seeks $500K in sponsorships for the first national home show focused on housing innovation at middle-income prices, with opportunities for brand communications partners, goods and service providers, and donors.
5. Development Financing: HIVE is seeking $2.5M in financing to support housing innovators and ensure timely delivery of 10 innovative units at the Housing Innovation Village Experience in Newberg.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

The Missing Middle Housing Fund is a nonprofit organization that facilitates the development of workforce housing for middle-income earners (80-120% AMI) by convening employers, cities, developers, financers, and innovators through summits, workshops, and pilot projects. It manages a $3M revolving predevelopment investment fund, partners on a digital zoning platform covering 66,000+ parcels across 16 Oregon cities, and operates HIVE, a 10-unit cottage cluster demonstration project showcasing innovative construction methods.

Product overview

The Missing Middle Housing Fund is a nonprofit organization (not a software/technology company) focused on workforce housing development and innovation. The organization offers a portfolio of programs including the Housing Innovation Village Experience (HIVE), a 10-unit cottage cluster pilot project in Newberg Oregon; Let's Build Summits, facilitated workforce housing solutions events; a Supporting Innovators Program that provides grants and investments to housing technology companies; and a Workforce Housing Investment Fund for predevelopment financing. HIVE serves as the core demonstration project showcasing multiple housing innovators using mass timber, prefabricated, and sustainable construction methods. Let's Build Summits are the primary engagement vehicle bringing together employers, developers, policymakers, and innovators to develop actionable workforce housing solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Housing Innovation Village Experience (HIVE) A 10-unit cottage cluster development in Newberg, Oregon serving as Oregon's first hands-on demonstration site for housing innovation. Showcases new materials, modular assembly techniques, financing models, and policy solutions to create scalable strategies for attainable middle-income housing, featuring homes from six innovative builders using mass timber, carbon-negative concrete, panelized construction, and prefabricated assembly methods.
• Let's Build Summits Workforce housing solutions summits organized and facilitated by MMHF that bring together changemakers to launch collaborative solutions. Day-long events featuring brainstorming and action planning rather than panels, resulting in task forces to carry work forward. Events have been held in Newberg, Bend, Portland, Boardman, and South Coast Oregon, producing 20+ working groups.
• Supporting Innovators Program

Quantifiable outcome

• Digitized 66,000+ parcels across 16 Oregon cities through UrbanForm partnership
• +3 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

21 partnerships are on record, tiered core, strategic and minor.

• UrbanFormcoreTechnology or Integration · 21 October 2025Strategic partnership to deploy UrbanForm’s digital zoning platform across Oregon, starting with Coos and Polk Counties. The platform digitizes zoning codes and makes them accessible through an intuitive web interface, reducing weeks of zoning research to minutes and accelerating housing permitting. Expansion brings total digitized parcels to 66,000+ across 16 cities.
• SEDCOR (Strategic Economic Development Corporation)coreStrategic or Co-development PartnerRegional economic development organization serving mid-Willamette Valley; convener of Newberg Workforce Housing Consortium and key partner in workforce housing initiatives. MMHF provides technical assistance while SEDCOR brings local expertise and employer connections.
• Southern Oregon Coast Regional Housing (SOCRH)coreStrategic or Co-development PartnerRegional housing organization co-managing Let’s Build South Coast summit and housing initiatives for Oregon’s South Coast communities including Coos and Curry Counties.
• CCD Business Development CorporationcoreStrategic or Co-development PartnerRegional partner co-managing Let’s Build South Coast summit; works alongside SOCRH to advance workforce housing solutions on Oregon’s South Coast.
• Community Innovation Partners / Stephen BrookscoreImplementation/ SI/ Consulting PartnerExpert consultant working with MMHF to pilot MIRL program aggregation model with Oregon cities Boardman and Coos Bay, helping smaller jurisdictions navigate complex state financing programs.
• Newberg Workforce Housing Consortium (NWHC)coreStrategic or Co-development PartnerEmployer consortium convened by SEDCOR including Providence Healthcare, George Fox University, A-dec, Newberg-Dundee Public Schools, and Friendsview, working to address shared workforce housing challenges.
• AutodeskstrategicStrategic or Co-development PartnerTechnology company hosting Let’s Build summits at Portland facility; provides advisors (Alana Mongkhounsavath, Miguel Higgins Moy) and Prototyping Lab support for housing innovation projects.
• HumanKind HomescoreStrategic or Co-development PartnerHousing innovator using carbon-negative interlocking concrete block system for automated assembly; featured builder at HIVE showcasing construction technology that reduces labor and build time.
• Mods PDX / HONE ModularcoreStrategic or Co-development PartnerOff-site contractor using Mass Plywood Panels in modular construction; partnering with Freres Engineered Wood; featured builder at HIVE with workforce development program Building To Scale.
• Elemental Building TechnologiescoreStrategic or Co-development PartnerModular innovator using steel frame construction for fire-resistant, climate-resilient housing; featured builder at HIVE; builds Community Center alongside HumanKind Homes.
• Unbrick USAcoreStrategic or Co-development PartnerNetherlands-based company bringing European industrialized modular construction to Pacific Northwest; homes built off-site in factory settings and assembled on-site; featured at HIVE.
• Mahonia NWcoreStrategic or Co-development PartnerDeveloper of sustainable cottage cluster communities using panelized construction methods; featured builder at HIVE reducing time and cost for middle-income workforce housing.
• CedarStone Design & BuildcoreStrategic or Co-development PartnerSpecialist in sustainable mass timber homes and prefabrication systems; focuses on community and climate-positive impact; featured builder at HIVE.
• Oregon Mass Timber CoalitionstrategicStrategic or Co-development PartnerCoalition advancing mass timber for housing production; Marcus Kauffman speaking at HIVE events about intersection of mass timber and housing future.
• SEDCORcoreStrategic or Co-development PartnerRegional economic development organization and key HIVE project partner; secured $3M state funding and manages revolving investment fund for Newberg workforce housing.
• Port of MorrowcoreStrategic or Co-development PartnerHost venue for Let’s Build Boardman; regional employer facing workforce housing challenges; key partner in Boardman housing initiatives.
• Southwestern Oregon Workforce Investment Board (SOWIB)strategicStrategic or Co-development PartnerWorkforce investment board sponsoring Let’s Build South Coast summit to address housing and workforce development needs.
• City of BoardmancoreStrategic or Co-development PartnerPilot community for MIRL program; partnered with MMHF on digital zoning platform, comprehensive master planning, and revolving loan fund initiatives.
• City of Coos BaycoreStrategic or Co-development PartnerPartner in MIRL pilot program; leveraging UrbanForm digital zoning platform; working with MMHF and Stephen Brooks on state financing access.
• Portland Metro ChamberminorOthersProfessional chamber organization where MMHF is a proud member.
• Oregon Business & IndustryminorOthersState business association where MMHF is a member.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• NeighborWorks America: National network of community development nonprofits focused on affordable housing and neighborhood revitalization. Comparable to MMHF's convening and capacity-building model for local housing nonprofits, but with a national network of 250+ member organizations.
• Mercy Housing: National nonprofit developer, owner, and operator of affordable housing. Comparable to MMHF's mission of expanding affordable and workforce housing supply, but focuses on direct development and operating affordable multifamily housing rather than facilitating innovation and convening.
• Habitat for Humanity International: Global nonprofit building affordable housing through volunteer construction and zero-interest mortgages. Comparable as a workforce housing nonprofit but operates a much broader, established model with for-sale homes rather than the workforce/middle-income focus and innovation facilitation MMHF pursues.
• Enterprise Community Partners: National CDFI and affordable housing nonprofit that finances, develops, and advocates for affordable housing across the US. Directly comparable to MMHF as a community development intermediary with investment funds, technical assistance, and cross-sector convening capacity, but operating at much larger scale across multiple states.
• LISC (Local Initiatives Support Corporation): National CDFI supporting affordable housing and community development through loans, grants, and equity investments. Comparable to MMHF's revolving investment fund model and convening approach, with substantially larger capital deployment and national footprint.

Regional players

• Oregon Community Foundation: Oregon's largest community foundation managing charitable assets for statewide impact, including housing initiatives. Comparable as a regional philanthropic organization deploying capital for community development in Oregon, but at much larger scale with broader focus beyond housing.

Others

• UrbanForm: Digital zoning platform partner of MMHF that translates complex zoning codes into parcel-specific insights for developers and city staff. Comparable as the technology enabling MMHF's zoning digitization initiative across 16 Oregon cities, but operates as a for-profit software vendor rather than a nonprofit convener.

Emerging players

• Terner Center for Housing Innovation: UC Berkeley research center focused on housing innovation policy and practice. Comparable to MMHF's focus on testing and scaling innovative housing construction methods and policy approaches, but operates as a research/policy institution rather than a community convener.

Direct peers

• Grounded Solutions Network: National nonprofit membership organization focused on community land trusts and shared-equity homeownership programs that preserve permanently affordable housing. Directly comparable to MMHF in mission, scale, and approach of community-based solutions to housing affordability.
• Self-Help Credit Union / Center for Responsible Lending: Community development financial institution providing affordable mortgages and housing finance to low- and moderate-income borrowers. Comparable to MMHF's revolving investment fund and focus on closing financing gaps for underserved housing segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@MissingMiddleHousingFund
• LinkedInlinkedin.com/company/the-missing-middle-housing-fund

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Missing Middle Housing Fund