Change for Change is a way for clients of the homeownership community to give back, just a little. We encourage each of our clients to “Round Up” their settlement statement to the next dollar. With your “spare change” we can make a difference. Change for Change is a program, through the Realtor Housing Assistance Fund (RHAF) of the St. Louis Association of Realtors, designed to permanently end homelessness in our area. RHAF uses the monies collected to support non-profit groups who are working to break the cycle of homelessness.