Massachusetts · Nonprofit
Merrimack Valley Housing Partnership Inc
Merrimack Valley Housing Partnership Inc (Massachusetts) receives grants from 25 organizations whose IRS filings report $519,766 to it, the largest being THEODORE EDSON PARKER FOUNDATION ($115,000). 15 of them have funded it in more than one year.
- Revenue FY2025
- $943k
- Funders on record
- 25
- Grants received
- $520k
- Net assets
- $1.9M
What Merrimack Valley Housing Partnership Inc does
Mission
To promote responsible and sustainable home ownership opportunities for low and moderate income earners by producing comprehensive training and counseling, as well as promoting the use of special mortgage products and down payment assistance programs.
As stated on its FY2025 Form 990.
Programs
The Project Genesis home buyer training series is provided in English, Spanish, and Khmer, reaching >800 participants each year. More than 60% have incomes of 80% or less of the Area Median Income. Nearly 8,000 households have purchased their first home after completing the training.
$674,982 spent$121,873 earned by the program100% of program spendingFor training series graduates, MVHP provides 1:1 home buyer counseling for no additional cost. This includes credit building, savings plans, building the team (agent, lender, inspector), and guidance on eligibility for programs such as down payment assistance and Section 8 to Homeownership.
$0 spent0% of program spendingNot described on the e-filed return.
$0 spent0% of program spending
The 3 programs described on its FY2025 Form 990, listed largest first by expense. Program spending in total: $674,982.
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 $1.8M to $3.1M (+79%).
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: 2020 34% · 2021 17% · 2022 17% · 2023 35% · 2024 57% · 2025 34%. Grants only. Government contracts and fees sit inside program revenue.
83% of Merrimack Valley Housing Partnership Inc’s revenue is contributions — more reliant on donations than three-quarters of its peers (37% 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
Cathy Mercado
Executive Director
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 3 funders to 13 funders, grant income rose $34k → $69k.
5 of 25 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 10% 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: $507k from 3 payers (the payer shares this organization's board, largest Greater Lowell Community Foundation Inc). These are real filings, and they are not money Merrimack Valley Housing Partnership Inc raised.
From the IRS filings of Merrimack Valley Housing Partnership Inc’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.
How concentrated its funding is
Merrimack Valley Housing Partnership Inc has a broad base — no single funder exceeds 22% of grant income, and it takes 3 funders to reach half.
the vertical line marks half of all grant income — 3 funders to its left
Largest funder’s share by year: 2017 75% · 2018 100% · 2019 48% · 2020 35% · 2021 60% · 2022 59% · 2023 29% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. 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.
How long its funders stay
64% of Merrimack Valley Housing Partnership Inc's funders are still giving 3 years after their first grant; 60% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
83% of Merrimack Valley Housing Partnership Inc's grant income comes from Massachusetts funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $54k arriving through sponsors registered in 5 states 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
Merrimack Valley Housing Partnership Inc is better cushioned than half of the 4,980 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 4,980 housing & shelter nonprofits $100k–$1M, FY2025
Organizations like Merrimack Valley Housing Partnership Inc
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 Massachusetts
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
61% of spending goes to programs.
Governance
Public support
92%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Screen this organization
A dated, signed PDF of the compliance screen for Merrimack Valley Housing Partnership Inc: 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 Merrimack Valley Housing Partnership Inc?
- Merrimack Valley Housing Partnership Inc (Massachusetts) receives grants from 25 organizations whose IRS filings report $519,766 to it, the largest being THEODORE EDSON PARKER FOUNDATION ($115,000). 15 of them have funded it in more than one year.
- How many funders does Merrimack Valley Housing Partnership Inc have?
- IRS filings report 25 organizations giving $519,766 in grants to Merrimack Valley Housing Partnership Inc, 15 of which have funded it in more than one year.
- Who is the largest funder of Merrimack Valley Housing Partnership Inc?
- THEODORE EDSON PARKER FOUNDATION is the largest funder on record, with $115,000 in grants. The full list of funders is on this page.
- How can an organization like Merrimack Valley Housing Partnership Inc find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Massachusetts. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
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 25 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 14, 2026. What this page cannot tell you · view filing