Do you qualify for housing assistance? There are actually a lot of resources out there, and it may surprise you which ones you’re eligible for. Keep reading for a list of 15 programs that help with housing.
While reviewing this list, keep in mind that every program has its own rules for who qualifies for help. Some might be right for you, While others may not. If one program doesn’t fit your needs, look to see if another one might.
Emergency Housing Assistance
If you’re in a tough situation and need a place to stay quickly, don’t worry. Here’s a list of places that offer emergency housing help. They’re here to give you the support and shelter you need as soon as possible.
1. 211 Helpline
The 211 helpline is a free service you can call for help with emergency housing. When you call, they give you information about shelters and housing programs in your area. It’s a quick way to find a safe place to stay when you really need it.
2. The Salvation Army
The Salvation Army offers help to people who need emergency housing. They have shelters where you can stay and offer other support—like hot meals and help finding a job. If you’re in a tough spot and need a safe place to stay, the Salvation Army is a great resource.
3. Homeless Assistance Programs
Homeless Assistance Programs, including the Continuum of Care (CoC) and Emergency Solutions Grants (ESG), are crucial for those experiencing homelessness. The CoC program not only provides temporary shelter, but also focuses on securing long-term housing, along with access to healthcare and job training. ESG, meanwhile, offers immediate shelter and essential services aimed at quickly rehoming people. Together, these programs offer a comprehensive approach to helping homeless individuals and families, giving them stability while helping them move towards permanent housing solutions.
4. Emergency Housing Vouchers
Emergency housing vouchers are designed to provide immediate housing assistance to individuals and families facing homelessness, fleeing domestic violence, or experiencing other urgent housing crises. These vouchers can be used to secure temporary housing in emergency situations. Administered through local housing authorities, these vouchers ensure quick access to safe and stable housing when it’s needed most.
5. Motel Vouchers
Motel vouchers can provide immediate housing in an emergency. These vouchers, often given by local charities, non-profit organizations, or government agencies, allow you to stay in a motel temporarily. They’re a great short-term solution when you need a place to stay right away.
Help Finding Housing
It can be hard to find housing that’s affordable. If you’re looking for a safe and steady place to live, you might want to reach out to one of these organizations:
6. Public Housing Authorities
Public Housing Authorities are local, government-run organizations that offer help with finding affordable housing options. They provide access to apartments or homes at reduced costs for individuals and families with limited income.
Public Housing Authorities can also help you get Section 8 housing vouchers. These vouchers reduce the cost of your rent, making it easier for you to afford a safe and comfortable home.
When you apply, your local Public Housing Authority will work to match you with a place that suits your budget. They serve as a reliable resource for finding low-cost places to live.
7. Rural Housing Assistance
The U.S. Department of Agriculture (USDA) manages rural housing assistance programs that offer support to individuals and families in rural areas. These programs include loans, grants, and rental assistance aimed at helping people buy, repair, or rent homes in rural communities.
By offering these services, the USDA ensures that affordable housing is accessible in less urbanized areas, addressing the unique needs of rural residents.
Housing Assistance for Renters
Renting can be expensive, and at times overwhelming. Many people are just one unexpected emergency away from struggling to pay rent. Thankfully, there are several programs available that offer assistance with rent payments.
8. Section 8 Housing Vouchers
Section 8 housing vouchers are a government-funded program designed to help low-income families, the elderly, and individuals with disabilities afford housing. By providing a subsidy that covers a portion of the rent, these vouchers make it possible for recipients to choose and lease affordable private housing.
The amount of assistance is based on income and family size, ensuring that housing remains affordable for those who qualify. This program plays an important role in offering stable and accessible housing solutions to those in need.
To apply for Section 8 housing vouchers, you will need to contact your local Public Housing Authority. They will help guide you through the application process.
9. Rental Assistance Grants
Rental assistance grants are special funds given to help people who can’t afford their rent. These grants, often provided by government programs or nonprofit organizations, don’t need to be paid back. They can cover part or all of your rent for a certain period of time, helping you stay in your home during financial hardships.
Applying for these grants can be a helpful solution if you’re facing difficulty keeping up with rent payments.
10. Low-Income Housing Tax Credit
The Low-Income Housing Tax Credit (LIHTC) program encourages the development and availability of affordable rental housing through tax incentives. Properties built or renovated under this program offer reduced rents for low-income tenants. LIHTC properties are a major resource in providing affordable housing options to individuals and families with limited income.
You can apply for housing in LIHTC properties by contacting the property management directly or through their state’s housing finance agency, which can provide information on available LIHTC rental units and application procedures.
11. First-Time Homebuyer Housing Assistance
First-time homebuyer housing assistance programs are designed to help people who are buying a home for the first time. These programs can help lower down payments, reduce interest rates, or award grants. They can also provide valuable education on the home-buying process and managing a mortgage.
12. HUD-Sponsored Senior Housing
The HUD-sponsored senior housing program specifically offers affordable rental options for older adults, usually those who are 62 years and older. This program helps seniors find rental housing that is safe, comfortable, and fits within their budget. It’s designed to make renting easier and more affordable for elderly individuals, providing them with a secure living environment.
Housing Assistance for Homeowners
If you own your home, there’s help for you too. We’ve found programs that can help you with things like your mortgage payments, fixing your house, and making changes for disabilities.
13. Home Repair Grants
Home repair grants offer financial support to homeowners so that they can makes the necessary repairs and improvements without the burden of repayment. These funds can be used for many purposes, including roof repairs, heating system upgrades, and essential safety modifications.
Additionally, many programs cater to specific needs, like making homes more accessible for individuals with disabilities. Typically provided by government agencies or non-profit organizations, these grants are particularly beneficial for low-income or elderly homeowners.
14. Housing Counselors
Housing counselors from the U.S. Department of Housing and Urban Development (HUD) offer expert advice on buying a home, renting, defaults, foreclosures, and credit issues. They are trained professionals who provide guidance to help you make informed housing decisions. Whether you’re a first-time homebuyer or struggling with housing challenges, these counselors can provide valuable support and information. You can get in touch with a housing counselor by searching for a housing counselor near you or by calling HUD at 1-800-569-4287.
Legal Help for Low Income Renters and Homeowners ⚖️
15. Legal Aid
Legal Aid organizations offer assistance to both renters and homeowners facing housing-related legal issues. For renters, they can provide guidance on matters like eviction proceedings, disputes over leases, and security deposit recovery. Homeowners can receive help with issues like foreclosure prevention and lender disputes.
By offering legal advice and representation, Legal Aid ensures that people have the support they need to navigate complex housing laws and protect their living situations.
Know Your Housing Assistance Options
We’ve looked at many resources that help with housing, including emergency shelters, affordable places to live, and legal advice. Programs like Section 8, LIHTC, and Home Repair Grants are really helpful for people who need a safe place to stay or to fix their homes. There are also HUD housing counselors and Legal Aid to help you understand your housing rights and problems.
Each program has its own rules for who is eligible for help, so it’s important to find the one that’s right for you. With a little research and persistence, you can find an affordable, safe place to live.