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      <OtherSecuritiesGrp>
        <Desc>Closely-held equity interests</Desc>
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      <OtherAssetsOrgGrp>
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      <OtherAssetsOrgGrp>
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        <USAddress>
          <AddressLine1Txt>201 NE 7th</AddressLine1Txt>
          <CityNm>Big Spring</CityNm>
          <StateAbbreviationCd>TX</StateAbbreviationCd>
          <ZIPCd>79720</ZIPCd>
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        <IRCSectionDesc>n/a</IRCSectionDesc>
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        <PurposeOfGrantTxt>Deposit Assistance Management Program</PurposeOfGrantTxt>
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      <GrantsOtherAsstToIndivInUSGrp>
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        <RecipientCnt>8</RecipientCnt>
        <NonCashAssistanceAmt>84217</NonCashAssistanceAmt>
        <ValuationMethodUsedDesc>FMV</ValuationMethodUsedDesc>
        <NonCashAssistanceDesc>New roofs for homes of low income homeowners in Howard County.</NonCashAssistanceDesc>
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        <ValuationMethodUsedDesc>FMV</ValuationMethodUsedDesc>
        <NonCashAssistanceDesc>Emergency home repairs for low income homeowners in Howard County.</NonCashAssistanceDesc>
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        <RecipientCnt>1</RecipientCnt>
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        <ValuationMethodUsedDesc>FMV</ValuationMethodUsedDesc>
        <NonCashAssistanceDesc>De minimis benevolence</NonCashAssistanceDesc>
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      <GrantsOtherAsstToIndivInUSGrp>
        <GrantTypeTxt>Down Payment Assistance Program</GrantTypeTxt>
        <RecipientCnt>1</RecipientCnt>
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        <NonCashAssistanceDesc>Assist low income familiies with buying a home.</NonCashAssistanceDesc>
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        <FormAndLineReferenceDesc>Part I Line 2</FormAndLineReferenceDesc>
        <ExplanationTxt>The Deposit Assistance Managmenet Program is administered by Big Spring Housing Authority BSHA. Crossroads Housing Development Corp CHDC funds the program and BSHA reports applications, approvals, denials and amounts funded.to CHDC on a regular basis. CHDC requires 90 of the funding be used for direct program assistance and no more than 10 for administrative and overhead costs. The operational grant to BSHA was for administrative operations. BSHA provides accounting reports to CHDC to substantiateexpenses. Raise the Roof applications are eviewed and approved for eligibility based on income. Chip In Program applications reviewed and approved by management based on income eligibility. De minimis benevolence is approved at the Executive Directors discretion.</ExplanationTxt>
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        <PersonNm>STACY SWISHER</PersonNm>
        <TitleTxt>Executive Director Board Secretary</TitleTxt>
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        <TransactionDesc>Compensation and benefits</TransactionDesc>
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        <FormAndLineReferenceDesc>Form 990, Part III, Line 4d</FormAndLineReferenceDesc>
        <ExplanationTxt>Program Service Expenses 149,522, Grants and allocations 120,284, Revenue 0 Other community programs include the Homeownership Down Payment Assistance Program, which provides opportunity of home ownership to families within Howard County and its contiguous counties Raise the Roof program provides roof repairs to low income households in Howard County. Chip In Program provides emergency repairs to low income households in Howard County</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 2</FormAndLineReferenceDesc>
        <ExplanationTxt>The executive director is the daughter of the deputy director. The local programs director is married to the executive director and is the son in loaw of the deputy director.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>The 990 is presented to the executive director to distribute to the board along with the annual financial statement audit for their review and approval prior to filing.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>The board reviews annually and discloses any conflicts. Executive management is responsible to monitor any potential conflicts and board members recuse themselves on any action items if necessary during board meetings.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 15a 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>The board reviews salaries annually and sets compensation based on their budget and economic factors.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Public documents are made available upon request at the organizations administrative offices at 201 NE 7th Street, Big Spring, Texas 79720.</ExplanationTxt>
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</Return>