Utah · Nonprofit
AFFORDA
AFFORDA (Utah) receives grants from 1 organization whose IRS filings report $274 to it, the largest being AMAZONSMILE FOUNDATION ($274). 1 of them have funded it in more than one year, and 100% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2025
- $3.9M
- Funders on record
- 1
- Grants received
- $274
- Net assets
- $28M
What Afforda does
Mission
Afforda stabilizes neighborhoods through its subsidiary organizations by providing single family and multi-family Affordable housing, neighborhood revitalization, and small business lending and investing. Afforda serves as an umbrella or parent organization for several entities with the same board of directors and management team.
As stated on its FY2025 Form 990.
Programs
The utah equitable transit oriented development loans (uetod) is a structured $35 million revolving loan fund. The loan fund provides flexible short-term financing for developers to purchase and/or develop transit oriented Affordable housing near public transportation throughout the wasatch front. All housing units financed by the uetod will be designated for residents with household income less than 80% of area median income (ami). For rental projects, at least 51% of the total units will be for residents at 80% ami or below. In addition, the fund will ensure that all rental units/homes meet the above Affordability requirements.both non-profit and for-profit developers are able to access the fund's resources. The fund provides an acquisition and predevelopment source of capital to allow developers to secure key properties, and construction financing for these same projects. Whereas some geographies may have a greater need to target a lower ami, other areas have already established enough housing to accommodate the deeper targets and are looking to bring more market rate units to the area.as of december 31, 2025, five transit-oriented development loans were issued and outstanding…
$1,243,986 spent$1,147,868 earned by the program85% of program spendingThrough Afforda finance, Afforda provides loan products to single family and multi-family Affordable housing non-profits. These products help stabilize and revitalize utah neighborhoods. As of december 31, 2025, two loans were issued and outstanding totaling $1,363,000.
$134,569 spent$218,109 earned by the program9% of program spendingUtah small business growth initiative (usbgi) is a limited liability company organized in the state of utah on june 11, 2012 for the purpose of creating jobs and stabilizing utah's neighborhoods by providing growing businesses with access to capital. Usbgi's program services include, a) providing early stage investment capital, b) facilitating loan guarantees to small businesses between financial institutions and the state of utah, and c) participating in loans alongside other financial institutions. To date, usbgi has been able to leverage approximately $8.5 million in funds to give small businesses access to approximately $50 million in capital to help grow their businesses. That capital was reported to have helped to create approximately 550 jobs and retain approximately 1,800 jobs. Capital has been made available to women-owned and minority-owned businesses in low-income and rural areas. Usbgi is a wholly-owned subsidiary of the nonprofit Afforda. Afforda serves as an umbrella organization for several different entities in addition to usbgi.
$1,975 spent$5,667 earned by the program0% of program spendingIn december of 2025, Afforda closed a second, $28,000,000 revolving loan fund. The Afforda acquisition loan fund (aal) provides flexible short-term financing for developers to purchase and/or develop Affordable housing throughout the state of utah. Similar to the uetod fund, units financed by the aal fund will be designated for residents with household income less than 80% of area median income (ami). For rental projects, at least 51% of the total units will be for residents at 80% ami or below. In addition, the fund will ensure that all rental units/homes meet the above Affordability requirements.the aal fund also provides acquisition and predevelopment capital to allow developers to secure key properties, and construction financing.as of december 31, 2025, the aal fund did not have any loans outstanding.
$86,473 spent6% of program spending
The 4 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $1,467,003.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2023 to 2024, from $34M to $54M (+61%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 68% · 2018 88% · 2019 62% · 2021 7% · 2025 13%. Grants only. Government contracts and fees sit inside program revenue.
15% of AFFORDA’s revenue is contributions — about as donation-reliant as the typical peer (39% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 2 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Daniel Adams
Executive director
Board chair
Kimberly Chytraus
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2020 → 2023: the base held at 1 funder, grant income fell $84 → $61.
1 of 1 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 100% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $215k from 2 payers (the payer shares this organization's board, largest Housing Plus). These are real filings, and they are not money AFFORDA raised.
From the IRS filings of AFFORDA’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
100% of AFFORDA's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Too little is directly attributable to place on a map.
Funder states come from each funder’s own filing. $274 arriving through sponsors registered in 1 state is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
AFFORDA runs a healthier operating margin than three-quarters of the 2,367 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 2,367 housing & shelter nonprofits $1M–$10M, FY2025
Organizations like AFFORDA
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Utah
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
78% of spending goes to programs.
Governance
Public support
23%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 7 related entities
- Utah Small Business Growth Initiative · disregarded
- Utah Equitable Tod Fund LLC · disregarded
- Afforda Finance · disregarded
- Afforda Acquisition Lending · disregarded
- Utah Center for Affordable Housing · exempt
Screen this organization
A dated, signed PDF of the compliance screen for AFFORDA: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds AFFORDA?
- AFFORDA (Utah) receives grants from 1 organization whose IRS filings report $274 to it, the largest being AMAZONSMILE FOUNDATION ($274). 1 of them have funded it in more than one year, and 100% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does AFFORDA have?
- IRS filings report 1 organization giving $274 in grants to AFFORDA, 1 of which have funded it in more than one year.
- Who is the largest funder of AFFORDA?
- AMAZONSMILE FOUNDATION is the largest funder on record, with $274 in grants. The full list of funders is on this page.
- How can an organization like AFFORDA find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Utah. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Afforda →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 1 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing