Grants for Individuals for Housing
Individuals in need of assistance to meet housing needs can apply for a government grant. The grants can be used to purchase a new or existing home, make a home more energy-efficient or repair a home. In most cases, you are not required to pay back the grant money you receive.
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Homeownership Vouchers
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Homeownership Vouchers are available from the U.S. Department of Housing and Urban Development (HUD). The vouchers are available for low-income individuals and families who need assistance with meeting their mortgage each month. The program also provides assistance with meeting the cost of expenses related to purchasing and maintaining a home such as home insurance. The voucher program is administered through the local public housing authorities (PHAs). After an application is submitted to the PHA, the applicants is placed on a waiting list. The amount of time on the waiting list varies from a few months to several years.
U.S. Department of Housing and Urban Development
451 7th Street S.W.
Washington, D.C. 20410
202-708-1112
hud.gov
Section 504 Grants
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The U.S. Department of Agriculture's Rural Development division offers Section 504 grants to qualified low-income families. The grants can be used to make repairs on a home. In order to qualify, an individual must live in a town that is considered to be a rural area. The home being repaired must be a modest home that needs to be repaired for safety reasons. Following the award of a grant, the recipient must live in the home for at least three years. If the home is sold before the end of the three years, the grant funds must be repaid. Applicants for the grant program can receive up to $7,500 to cover the cost of repairs.
U.S. Department of Agriculture
1400 Independence Avenue SW
Washington, D.C. 20250
202-720-4581
rurdev.usda.gov
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Weatherization Assistance Program
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The Weatherization Assistance Program is administered by the U.S. Department of Energy. The program provides grants to individuals and families to make their home more energy-efficient. Grant money can be used to improve the heating and cooling system in a home, insulate and make other repairs to make a home energy-efficient. The program is administered on the local level by various agencies within the states (see Resources).
U.S. Department of Energy
Energy Efficiency and Renewable Energy
1000 Independence Avenue SW
Washington, D.C. 20585
877-337-3463
www1.eere.energy.gov
AmeriDream
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AmeriDream is a non-profit organization that provides assistance to first-time homebuyers. The organization offers several grants including a down payment assistance program. You must be preapproved or approved for a FHA loan to qualify for a grant. The grant provides up to 10 percent of a home's purchase price. The grant can be used towards the home's down payment or closing costs. Your lender must apply for the loan on your behalf. There are income requirements that must be met to qualify for the AmeriDream grant program.
AmeriDream
200 Professional Drive, 4th Floor
Gaithersburg, MD 20879
866-263-7437
ameridream.org
Partners in Charity
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Partners in Charity is a not-for-profit organization that offers assistance to qualified first-time homebuyers. Qualified individuals can receive a grant to cover up to 10 percent of the down payment or closing costs of a newly constructed or existing home. You must be approved for a FHA loan to receive a grant from Partners in Charity. Your lender must apply for the program on your behalf. You must meet the income requirements of the organization to qualify for assistance.
Partners in Charity
613 West Main Street
West Dundee, IL 60118
800-705-8350
partnersincharity.org
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References
Resources
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