Getting a Federal Grant for Housing
There are several different types of grants offered by the federal government to help cover housing costs. If you are struggling to pay for your housing or need assistance getting into a home or apartment, you can apply for a grant that never has to be repaid. For example, qualified first-time home buyers can receive down-payment money to significantly lower the cost of the monthly mortgage payment. Renters can apply for funds to cover the deposit on an apartment. There are even grants for renovations and repairs.
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Instructions
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Check the U.S. Department of Housing and Urban Development for grant opportunities in your state. HUD provides assistance to low-income people across the nation. Access your state's department of housing and community development through HUD.com.
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Search for grants on grants.gov. Many housing grants sponsored by HUD, the primary source for legitimate government grants, can be found there. You can search grants by keyword or agency.
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Record the funding number for grants that interest you. You will need to enter the funding number to register on grants.gov.
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Register on grants.gov. to apply for a HUD grant. You will need to provide your basic information and create a user name and password. According to the grants.gov website, it can take up to two weeks for registration to be approved.
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Be aware of grant application deadlines. After registration is approved, return to the site to submit grant applications electronically.
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Contact the Community Housing Initiative in your county for information on any available city funding.
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Submit required documents. The majority of federal housing grants require financial information such as pay stubs and bank statements. You may need to submit additional documentation including Social Security cards and birth certificates for household members.
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Tips & Warnings
On grants.gov you will notice that some grants are restricted to certain individuals such as elderly or minorities. Read the grant description carefully to determine your eligibility.
The Community Housing Initiative may receive grant money from the state to cover housing costs for low- to moderate-income families based on the HUD income guidelines. Grants are awarded on a first-come, first-served basis for qualified applicants.
