Editing Openai/6955058b-47e0-800e-b597-55c344ddbd35 (section)

==== 6) Financing & incentives — how to pay for it ====
* Code recognition (IRC Appendix BL) improves the chance lenders will underwrite hemp homes, but talk to lenders early. In practice many hempcrete builds are financed as conventional wood-framed homes because the structure and foundation are conventional; the hemp is treated as insulation/infill. Use that path when possible. Reddit<ref>{{cite web|title=Reddit|url=https://www.reddit.com/r/Hempcrete/comments/tfv3oo/hempcrete_to_code_and_financed/|publisher=reddit.com|access-date=2026-01-01}}</ref>
* Look for grants and public funding for affordable or tribal housing, green building, and workforce development. Examples: tribal projects have used EPA and other federal/state grants to fund hemp panel factories and build affordable hempcrete homes. HUD, USDA and state programs may offer capacity-building or construction grants for affordable/sustainable housing. Dwell<ref>{{cite web|title=Dwell|url=https://www.dwell.com/article/hempcrete-homes-lower-sioux-sustainable-construction-seed-to-sovereignty-1eb5ae13|publisher=dwell.com|access-date=2026-01-01}}</ref>
* For smaller builds, consider community development lenders, CDFIs, or construction-to-permanent loans (present the code compliance and energy savings case to underwriters).