Fault in the housing programme (3)
I believe the answer is:
sin
'fault' is the definition.
(I've seen this in other clues)
'in the housing programme' is the wordplay.
'in' indicates the answer is hidden within the clue.
'SIN' is hidden within 'housing programme'.
(Other definitions for sin that I've seen before include "Transgress" , "grave offence" , "Err" , "Evil" , "Immoral action" .)