Housing assistance is very beneficial to many Americans, especially when they are facing difficult times. Having a safe and sanitary place to stay is very important. In fact, having access to decent housing is considered an important part of maintaining the human right to an adequate standard of living. Because of this, it is protected by certain policies and programs in the United States. 

There are many different housing assistance programs that you can apply for as long as you meet all of the eligibility requirements. These assistance programs include the Section 8 Housing Voucher program, the Section 811 program, the public housing program and more. Keep in mind that each program has different eligibility and application requirements. It is important to contact the authority managing the assistance program to ensure that you apply properly. 

If you are having a difficult time affording decent housing, you may qualify to receive assistance. Want to learn more about these programs? Read through the sections below. 

Housing Assistance Programs

A study by Harvard researchers found that nearly 40 million Americans cannot afford housing in today’s market. This makes the need for government housing programs even more essential. In addition, emergencies and disasters can cause families to be displaced from their homes. Luckily, there are many different programs available that are designed to help individuals and families afford safe and sanitary housing. 

HUD Housing Assistance Program

One of the government housing assistance programs that the U.S. Department of Housing and Urban Development (HUD) operates is public housing. Around 1.2 million households live in public housing units in the United States, and all of those units are managed by local housing agencies. The HUD administers federal funding to the housing agencies and that money is used to manage the housing at rents that low-income residents can afford. 

There are many different types of public housing assistance available. Public housing can be offered in the form of a single-family home or even a high-rise apartment. The units maintain a lower-than-average monthly rent so that they are more affordable. The program is established in order to provide decent and safe housing for low-income families, persons with disabilities and elderly residents. 

In order to be eligible to live in a government housing assistance unit, you must meet the specific requirements set in place by the housing agency in your area. The most important eligibility requirement considered is annual gross income, which is the total amount of money your family earns each year before any taxes or deductions. In addition, your family size and your citizenship or lawful status in the United States will be considered as well. 

Keep in mind that the income limits vary from area to area because of the differing cost of living in each city. To apply for public housing, contact your local housing agency or your local HUD Field Office. 

Section 8 Housing Vouchers

The Section 8 housing assistance program, also known as the Housing Choice Voucher Program, provides financial assistance to low-income families through vouchers. This assistance allows those who are struggling financially to afford safe and decent housing. 

The program is completely funded by the federal government through the U.S. Department of Housing and Urban Development. The housing vouchers are then administered on a local level by public housing authorities (PHA). 

If you qualify for this assistance, you will receive Section 8 vouchers that cover a portion of your rent. The exact amount that you will receive depends on several different factors, including family size and income. You are then only responsible for paying the remaining rent amount after the voucher has been applied.  

Keep in mind that this program, like many others, has a long waiting list. Because of this, it is important to apply as soon as possible. If you are interested in applying, contact your local Public Housing Agency.

Social Security Disability Housing Assistance

Although there is not a specific housing assistance program offered through the Social Security Administration, there is a program called Section 811 Supportive Housing for Persons with Disabilities. This Section 811 assistance program helps low-income persons with disabilities to afford housing so that they can live as independently as possible.  

This government housing assistance program provides funding to state housing agencies that develop and maintain affordable and accessible housing. Also, the program funds agencies who provide rental assistance to housing units in affordable housing projects. This helps to ensure that there are low-rent housing units available to low-income individuals with physical and/or mental disabilities. 

Emergency Housing Assistance

It is crucial that you investigate your state’s options for housing assistance, especially if you find yourself in a situation where you are facing homelessness. As one option, if you are evicted from your residence and cannot afford to live elsewhere, you can consider staying in a shelter. There are many shelters in each state that can provide you with a safe place to stay temporarily.

There may also be emergency housing assistance options that you can benefit from in your time of need. For example, if you were displaced from your home because of a federally declared natural disaster, you may be able to utilize FEMA housing assistance. Learn more about the services FEMA offers in the section below.

FEMA Housing Assistance

The Federal Emergency Management Agency (FEMA) offers a few different types of government housing programs. These programs are designed to help homeowners and renters who have been displaced from their homes due to a federally declared disaster. It is specially created to help fund those who are uninsured or underinsured.

The emergency housing assistance program through FEMA offers assistance including temporary housing assistance, home repair assistance and home replacement assistance. These programs typically provide funding to help cover the costs of rent for a few months or the costs of home repairs after a disaster. Also, the funds can be used towards the purchase of a new home for those whose primary residence was destroyed.

To qualify for this home assistance, you must be in an area declared for disaster assistance by the federal government. Also, an FEMA inspection must be done to verify disaster damage to your primary residence.