The Martin Luther King Jr. Housing Fund provides two of the most difficult to finance portions of the HOME Rochester program. MLK Fund dollars are used to fund a working capital loan in the amount of $750,000. These funds are used to acquire properties, pay for environmental testing and other soft costs associated with purchasing single-family homes for HOME Rochester. The working capital allows HOME Rochester to be nimble enough to purchase appropriate houses quickly.

The second piece of financing MLK Fund provides is a revolving interest reserve that ensures monthly payments of interest to participating lenders. The interest reserve is replenished as each renovated house is sold to an eligible buyer.