Government housing grants are grants intended to help qualifying households pay their housing costs. If you have a limited income, it can be challenging or even impossible to afford the various expenses that renters and homeowners face. This is a significant problem that millions of Americans face every year, resulting in more people living paycheck-to-paycheck. However, many of these struggling persons may not be aware of the government assistance programs that can help alleviate these financial burdens.
Housing expenses cover a wide range of bills, including mortgage or rent payments, utility bills, and other related expenses. If you are experiencing a time of financial crisis, here are some of the programs that you may qualify for.
The Housing Choice Voucher Program, also known as Section 8, is a government assistance program that helps low-income families pay a portion of their monthly rental expenses. Payments are provided directly to landlords on behalf of the participating family and the family is responsible for the remainder of their rent. Eligibility requirements and benefit amounts are based upon factors like income, household size, and household makeup. To qualify for this government housing assistance program, your household must have at least one dependent child, senior citizen, or disabled person.
Low-income households can also take advantage of the Lifeline Program. Lifeline is a government assistance program that provides qualifying households with a discount towards telephone or broadband internet services. If qualified, the program will pay a portion of your bill directly to your provider. Eligibility requirements are primarily income based, but you can automatically meet income-based criteria if you’re already enrolled in another assistance program, such as SNAP. Additionally, you must use a provider that is approved for the program.
Homeowners and renters can receive free grants towards their heating and cooling bills through the Low Income Home Energy Assistance Program (LIHEAP). This low-income program not only provides a one-time payment towards a utility bill, but provides emergency financial assistance and funding for weatherization improvements to a home.
If you’re a homeowner in need of government housing assistance for repairs or improvements that will remove a safety or health hazard in your home, you may qualify for the Rural House Repair Loans and Gants program, also known as Section 504. This program helps fund repairs and improvements for qualified low-income homeowners in rural areas who are in need of financial assistance. Eligibility requirements are based on income, the state you live in, and other factors.
Finally, if you are part of a low-income household seeking homeownership, you may qualify for state and federal government grants towards closing costs and down payments. Additionally, first-time homebuyers may qualify for government-backed mortgages, such as FHA or USDA loans, which are easier to qualify for than traditional mortgages.
Keep reading to learn about government grant opportunities for healthcare expenses.