We are independent & ad-supported. We may earn a commission for purchases made through our links.

Advertiser Disclosure

Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.

How We Make Money

We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently from our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

What Types of Housing Grants are Available?

By Ken Black
Updated May 16, 2024
Our promise to you
SmartCapitalMind is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At SmartCapitalMind, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

The types of housing grants available can be broken down into three main categories: purchasing grants, rent assistance, and home improvement grants. The funds available often depend on a number of different factors, such as income requirements, location and past grants received. Housing grant programs can be administered by any number of different agencies as well.

In the United States, the most common agency issuing housing grants is the Department of Housing & Urban Development (HUD), which has among its missions the goal of creating affordable housing. These grants, while paid for with national money, are often administered on the local level through a city or county office, depending on the state involved. Therefore, applications will be handled through a local office, which is designed to help expedite the process and keep decisions as local as possible.

One of the most attractive types of housing grants for people to take advantage of are those that assist with down payments. Often, these are only available for first-time home buyers. Those who are able to get this type of grant can consider themselves to be very fortunate. It will not only help lower the monthly payment, but allow the home owner to build instant equity.

Another type of housing grant that is very popular is rental assistance. This is administered through HUD under what is known as Section 8 of the U.S. Code. This program can partially pay for rent on a unit. However, while the payments are usually only partial, they can be a substantial portion of the rent. Eligibility, and how much a person may be qualified for, is determined through the application process by looking at factors such as household size, existing liabilities and income.

Often, those interested in a rental assistance grant will need to get on a waiting list as demand for the grants is very high. This low-income housing program can be quite popular and many cities cannot keep up with demand. Once a grant becomes available for an individual, he or she will be able to keep the grant as long as they meet the eligibility requirements. However, a periodic review for eligibility will be required.

Refurbishment or remodeling housing grants may also be available from one of two different agencies. These may be issued as part of a normal program through HUD. However, in cases where there have been natural disasters such as floods, tornadoes or hurricanes, it is also possible some of these housing grants will be offered through the Federal Emergency Management Agency. In such cases, it will likely be necessary for the individual to submit proof that damage was caused by the disaster.

SmartCapitalMind is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.

Discussion Comments

By Ocelot60 — On Jan 29, 2015

@raynbow- Each community is different, so you should contact a social service agency in your area to find out what organization you should call for more information. If you still have no luck, your local public safety office may have information about housing grants or what office to contact.

By Raynbow — On Jan 28, 2015

How can you find out about available housing grants in your community? I can't seem to find a HUD office, so I'm not sure what agency handles these grants in my area.

SmartCapitalMind, in your inbox

Our latest articles, guides, and more, delivered daily.

SmartCapitalMind, in your inbox

Our latest articles, guides, and more, delivered daily.