Assistance for housing and home ownership is offered through various programs that include federal and state government agencies. These programs are for families who fall under low income limits and are dependent on the area in which they are located in within the state or community. Practically all of the government housing programs and grants are funded by the U.S. Housing and Urban Development, HUD or the U.S. Department of Agriculture, USDA and they offer the following programs:

Housing Choice Voucher Program – housing grants in which low income families obtain a voucher to use when selecting a housing rental appropriate for their requirements.

Designated Housing Vouchers Program – housing grants to support with housing rental necessities for those that are disabled and meet the qualifications to be eligible for the program.

Rural Housing Grants – federal government funds the states so each state can use the money for areas that meet conditions and qualify as a rural area. Grants may include funding for rent, home ownership, and repairs. Low income families can apply if they meet the income restrictions for that particular area. Grant amounts vary from state to state and information is on the HUD website.

Homeownership Voucher Program – grants for low income first time home buyer . first-time home buyers. Grants may provide down payments on home loans, mortgage payment assistance and even living expenses. A stipulation is that grant receivers may not have owned property for the previous three years and must be their primary residence.

A wealth of information including the criteria for eligibility on the above government housing grants are accessible through the federal government’s HUD website and it lists the criteria for eligibility. The state governments have their own version of first time home buyer grant programs but are limited to the following: income level, amount of people in household and purchase price of the home. Since programs and grant amounts differ from state to state you need to go to the distinct state government website to see what programs are available.