The Federal government has many programs to assist in purchasing a home, preventing foreclosure, repairing homes affected by natural disasters, building prosperous communities and more.
Florida Housing Coalition has a summary of their programs.
U.S. Department of Housing and Urban Development (HUD) Programs
Community Development Block Grant (CDBG) Program
The Community Development Block Grant Program is a federal program that provides funding for housing and community development. The primary objective is to develop viable communities, provide decent housing and a suitable living environment, and to expand economic opportunities, principally for persons of low and moderate income. Total allocation of (CDBG) funds can be reviewed in the 2010-2011 Broward Housing Council Annual Report, click here.
Continuum of Care (CoC) Program
The existing homeless assistance programs that comprise the Continuum of Care program are the following: the Supportive Housing program, the Shelter Plus Care program, and the Moderate Rehabilitation/Single Room Occupancy (SRO) program.
Emergency Solutions Grants (ESG) Program
The ESG Program is designed as the first step in Continuum of Care and provides homeless persons with basic shelter and essential supportive services. Total allocation of (ESG) funds can be reviewed in the Broward Housing Council Annual Report, click here.
HOME: Home Investment Partnerships Program
HOME is a federal program dedicated to affordable housing for low-income persons. HOME funds projects in rehabilitation, acquisition, new construction, home-buyer assistance and rental assistance. Total allocation of (HOME) funds can be reviewed in the Broward Housing Council Annual Report, click here.
- Public Housing
Households seeking public housing must apply for housing through the Housing Authority in the communities in which they are interested in living.
Housing Choice Voucher Program (previously known as Section 8)
This is the federal government's major program for assisting very low-income families, elderly and disabled individuals to afford housing on the private market through various voucher options. HUD administers Section 8 funds to Public Housing Agencies (PHAs) that deliver the vouchers to eligible families and individuals. The PHA directly pays the rental subsidy to the landlord and the residents pay the remaining difference. Information about the Housing Choice Vouchers Program, including eligibility requirements for both tenants and landlords’ residences, can be found from the U.S. Department of Housing and Urban Development.
Tenant-Based Housing Choice Voucher Program
Tenant-based vouchers increase affordable housing choices for very low-income families ( i.e. families with income below 50% of area median income). Families with a tenant-based voucher choose and lease safe, decent, and affordable privately owned rental housing that meets HUD's Housing Quality Standards (HQS) and has a reasonable rent as compared to other units in the area.
Section 811 Supportive Housing for Persons with Disabilities Program
HUD provides funding to nonprofit organizations to develop rental housing with the availability of supportive services for very low-income adults with disabilities. The Section 811 program allows persons with disabilities to live in the community by increasing rental housing with supportive services available. HUD also provides project rental assistance; this covers the difference between the HUD-approved operating cost of the project and the amount the residents pay, usually 30 percent of adjusted income.
Section 202 Supportive Housing for the Elderly Program
HUD provides capital advances to finance the construction, rehabilitation or acquisition with or without rehabilitation of structures that will serve as supportive housing for very low-income elderly persons, and provides rent subsidies for the affordable projects. The program expands affordable housing with supportive services for the elderly. The Section 202 program provides very low-income elderly with different options and supports activities such as: cleaning, cooking and transportation. Occupancy in Section 202 housing is for any very low-income household, consisting of, at least one person who is at least 62 years old at the time of initial occupancy.
Federal Housing Programs
- Neighborhood Stabilization Program (NSP1, NSP3)
The program was established for the purpose of stabilizing communities that have suffered from foreclosures and abandonment. Through the purchase and redevelopment of foreclosed and abandoned homes and residential properties, the goal of the program is being realized. For Broward County the areas of greatest need are identified within eligible census tracks and block groups that can best demonstrate an impact and leverage these funds to the greatest extent possible. For a breakdown of the specific activities being undertaken by Broward County see the Broward County NSP1 Action Plan and NSP3 Grant Plan.
- Disaster Recovery Initiative (DRI)
The Disaster Recovery Initiative (DRI) provides assistance to households following a natural disaster as declared by the President of the United States or Governor of the State of Florida. DRI funds may be used for items such as, but not limited to: purchase of emergency supplies, to weatherproof damaged homes, interim repairs, payment of insurance deductible, security deposit, rental assistance, and other activities approved by Florida Housing.
The Weatherization Assistance Program (WAP) annually provides grant funds to community action agencies, local governments, Indian tribes and non-profit agencies to provide specific program services for low-income families of Florida. These entities provide program services throughout the state.
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