Housing Grants

Real estate agent with house model and keys

What Is A Grant?

In your search for housing and other assistance programs you will likely come across the term “Grant.” To clarify, a Grant is the term used when funds are given to a person, group, or idea. Governments use Grants to stimulate or assist the economy, businesses, or to provide public services.

Even though there are various types of housing grants, qualifying for a one can be can be a complex process. Grant programs will be unique in each state. It will be up to you to research and explore the best options for your housing needs in your resident state. The good news is your dream of buying or improving your home can become a reality with the help of a housing grant.

Who Is Eligible For A Housing Grant?

Not everyone is eligible for a housing grant. Grants are awarded based on a set of rules which will vary depending on the state criteria and the type of grant being applied for. These rules generally include financial situations and specific low-income qualifications, citizenship is generally required. It would be difficult to get a grant if you already own a home or have significant finances available. Housing grants are generally awarded to low-income families that meet the states requirements for eligibility.

Grants are also available if you just want to improve or make repairs to your current home, purchasing and low interest financing. Below are the most common reasons housing grants are gran:

Home Improvement Assistance Programs

For the costs of home renovations and repairs there are home improvement assistance programs available. These include grant programs for elderly, low-income, rural, veterans, disabled and special needs people.


Energy efficiency grants are designed to reduce energy usage and help reduce the environmental impact energy wastage has. These grants assist with fixing energy problems at home. These types of grants are often used to repair or improve the energy efficiency of a house. These grants will provide funds to address energy related improvements and fix issues with: solar, insulation, roofing, plumbing etc. They also can assist with how a house receives energy from the utility companies.

Home Ownership

For qualified citizens that don’t have enough money to purchase a home on their own, home ownership grants will provide financial aid. Home ownership grants can be used for assistance with down payments, closing cost fees and even mortgage insurance.

Rental Assistance

Low-income, elderly and special needs people can receive help from rental assistance programs. Rental assistance programs provide affordable housing. some programs may provide discounts on utility bills. Programs like Section 8 can assists low-income people with safe and clean homes.

Financing and Refinancing

If you have an existing loan on your house then a refinancing program could help you save money through mortgage refinancing, mortgage insurance and homeowners’ grants.

Rural Housing

Low-income Americans living in rural areas can take advantage of the rural housing grant programs. The aim of rural housing grant programs are given for home renovation, repairs and to assist disabled people to remain in their home.

State Housing Grants

As mentioned above, each State has a set budget for grants. These funds are used to help low-income families and people struggling to meet their housing needs.

Before applying, it is important to learn as much as you can and be knowledgeable about housing grants available in your state. You must take it upon yourself to investigate the appropriate contacts in your state. Most states will have an online portal that will assist you with the process of applying for grants. Start your search online, call, email and reach out to the assistance departments in your state and be persistent.

Findhousingtoday.com is your online resource to simplify the qualification process for various assistance programs at a local, state and federal level.