Disabled American citizens are often at the mercy of government programs as they are unable to work and struggle to find affordable housing. While there are many private low cost programs designed to help low-income borrowers, the best place to begin a search for a mortgage grant for a disabled citizens is at the federal level.
Disability.gov is a government website designed specifically for disabled citizens seeking assistance with employment, housing, education, health care and civil rights. (Find a link in the Resources section.) In addition to Social Security and disability payments from the federal government, this arm of the government provides a customized, affordable housing service for those suffering from a physical or mental disabilities.
CHSP, or Congregate Housing Services Program, is a government program that offers financial assistance to elderly and disabled citizens who can no longer sufficiently afford housing. This program, which began in 1978, has provided mortgage and financial assistance to tens of thousands of eligible citizens. This program continues today with at least 51 participating organizations in the private sector. See the Resources section to check eligibility.
The CDBG, or The Community Development Block Grant Program, is a community-oriented government assistance program. The grants awarded by this arm of the Department of Housing and Urban Development are used by local communities to subsidize affordable housing and job creation. See the Resources section for eligibility.
USDA Rural Development
The United States Department of Agriculture offers assistance programs to provide housing and mortgage grants to rural residents with disabilities. Specifically, the USDA offers a direct loan program to qualified residents. These loans are low cost with low interest rates and give residents with disabilities the opportunity to own homes.
The Veterans Affairs office similarly offers mortgage loan programs to disabled veterans. Such programs are government-sponsored, but they are managed and executed by qualified private lenders. The mortgages available through the VA program are low cost and geared toward extending homeownership among low-income communities.