Housing Grants for Low Income Families
The federal government, state agencies and nonprofits throughout the nation offer housing grants for families who fall under certain income limits. Most of the programs are funded by the U.S. Housing and Urban Development, HUD, and U.S. Department of Agriculture, USDA. Others are funded by donations from the general public and administered by charities.
Depending on United Way funding, the Salvation Army offers rental and mortgage assistance. Applicants must present an eviction notice, proof of income, photo ID, Social Security card for each member of the family, and, if required, proof that only $200 or less remains to be paid for the current month’s rent or mortgage. Although the maximum assistance is generally $200, additional funding may be provided to those displaced from FEMA declared natural disaster areas. In addition, the Salvation Army provides long-term managed assistance for qualified individuals who were displaced from their homes due to flooding in certain geographic areas.
HUD provides funding to states for rural housing grants. Very-low, low and moderate income level families may apply. Income limitations are based on a percentage of the median for the area. Rental, repair and ownership grants may be available in areas meeting rural criteria. Generally, rural areas include open country, cities with under 10,000 residents and certain cities with a maximum population of 20,000. Grant amounts vary depending on the area and need. For more specific details, contact the local HUD Public Housing Authority, or PHA, or call HUD at 800-569-4287.
HUD offers housing grants to qualified low-income families in the form of vouchers for renting or homeownership assistance. Previously termed Section 8 Housing, the Housing Choice Voucher Program allows eligible low-income families choices as to where they want to live. HUD’s Homeownership Vouchers Program provides grants to eligible first-time home buyers. Grants may provide down payments on home loans, mortgage payment assistance and help paying for living expenses. Grant receivers may not have owned property for the previous three years and must live in the home as their primary residence. To apply, contact a HUD-approved PHA.
State Homeless Grants
States typically distribute federal funding for homeless programs to counties or municipal departments or approved businesses and non-profit organizations. The funding provides grants to eligible area families to address homeless or potentially homeless situations. Homeless families receive assistance for food, housing and medical expenses due to emergency needs. Those who are in danger of eviction may also receive assistance. Either call or visit a state’s Public Housing Authority for programs available in that state.
HUD provides grant assistance to eligible disabled individuals through its Designated Housing Vouchers program. Non-elderly, low-income families that include a member with disabilities who live in public housing designated for occupancy are eligible for this program. Qualified disabled individuals living alone may also apply for these vouchers. These families or individuals are enrolled into this voucher program as a special admission. Apply to the local PHA for this program.