Q:

What are housing grants for low-income families?

A:

The United States federal government and individual states give out housing grants to low-income families to help meet their housing requirements. These families are sometimes living on the streets or are in danger of doing so and must meet specific income criteria to qualify for the grants.

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Several different government departments and programs extend housing grants, as do nongovernmental organizations such as the Salvation Army. Depending on the sources of the grants, they are often used to help first-time homeowners with their down payments or to help low-income families pay their mortgages or rent.

Two primary federal agencies administer housing grants: the U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of Agriculture (USDA). HUD provides housing grants for rural areas as long as the recipients live in open country, in cities of fewer than 10,000 inhabitants or in specified cities with fewer than 20,000 inhabitants. These funds are channeled through states and can be used to fund very low-, low- or moderate-income families. The classification into different income levels is based on a percentage of the median income level of the area. States in their turn may disburse resources for housing grants to local governments, as well as to NGOs and private businesses.

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Related Questions

  • Q:

    How do you apply for low-income housing?

    A:

    To apply for low-income housing, submit a written application that contains information like the applicant's personal information, family characteristics or circumstance, anticipated household income for the next 12 months, along with the source of the income and banking information for verification, to a local housing agency, or HA, or to a local United States Department of Housing and Urban Development, or HUD, field office. Eligibility for low-income housing is dependent on whether the applicant's household income falls below the income limit set for the state that he or she resides in. The HUD considers an applicant to fall into the category of having a lower income if the household income is 80 percent of the median income, and into the category of very low income if the household income is only 50 percent of the median income.

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  • Q:

    What help is available for a low-income family?

    A:

    For a low-income family, the government has several programs that are meant to help with living expenses including TANF (temporary aid), food stamps, medical assistance and help with paying energy expenses. All of these programs are readily available, and benefits are given to those who qualify.

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  • Q:

    Who qualifies for HUD housing?

    A:

    HUD public housing is limited to low-income families and individuals according to HUD. Eligibility is determined by a Housing Association using income limits developed by HUD. The lower income limit is 80 percent of the median income for the county or metropolitan area where an individual wants to live.

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  • Q:

    Who qualifies for HUD subsidized housing?

    A:

    The HUD public housing program is available to low-income families and individuals, the elderly and the disabled. Eligibility is based on annual gross income, whether the applicant is an elderly or a disabled person, and U.S. citizenship or eligible immigration status.

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