; (2) $10,000,000 for the cost of insured or guaranteed loans, including the cost of modifying loans; and (3) $14,000,000 for the costs to the Secretary of administering and overseeing the implementation of this section and programs in the Office of Housing generally, including information technology, financial reporting, research and evaluations, fair housing and fair lending compliance, and other cross-program costs in support of programs administered by the Secretary in this title, and other costs. (b) Small-Dollar mortgage For purposes of this section, the term small-dollar mortgage means a forward mortgage that— (1) has an original principal balance of $100,000 or less; (2) is secured by a one- to four-unit property that is the mortgagor’s principal residence; and (3) is insured or guaranteed by the Secretary. (c) Implementation The Secretary shall have authority to issue such regulations, notices, or other guidance, forms, instructions, and publications to carry out the programs, projects, or activities authorized under this section to ensure that such programs, projects, or activities are completed in a timely and effective manner. 304. Investments in rural homeownership (a) Appropriation In addition to amounts otherwise available, there is appropriated to the Rural Housing Service of the Department of Agriculture for fiscal year 2024, out of any money in the Treasury not otherwise appropriated, to remain available until expended— (1) $90,000,000 for providing single family housing repair grants under section 504(a) of the Housing Act of 1949 ( 42 U.S.C. 1474(a) ), subject to the terms and conditions in subsection (b) of this section