The primary requirement for obtaining low-income housing is to show proof of below-average income. You must also show that your current living situation is undesirable—a family of eight living in a two-bedroom house or apartment, for example. Low-income housing can be the ideal solution; however, there's a long waiting list. If you qualify, it may take several years to get into the affordable housing.
Sources of Asssistance
The U.S. Department of Housing and Urban Development (HUD) plays a big role in supplying safe, decent and affordable homes for the elderly and low-income families as well as those with physical disabilities. HUD has programs that provide rental units, public housing and single-family homes for those who can't afford to pay full rent. Such residences are run by state governments, so you must meet the qualifications of your state to get into a low-income housing complex or a single-family home.
Types of Low Income Housing
When you think of low-income housing, you may think of apartment buildings or complexes in major cities that look undesirable and rundown; however, HUD also offers Section 8 programs that allow low-income people to live in single-family homes instead of apartment complexes. For those with limited income who wish to own homes, there are other programs such as Habitat for Humanity and the Acorn Housing Program. These program also have requirements for eligibility, including those related to income and family size.
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First, you will have to fill out an application with detailed information on how many people will be living in the home, their ages and sex, and their relationship to you. You may also have to describe your current living arrangements. You will also be asked to list previous landlords as references. You will have to supply proof of the information you give, such as birth certificates, Social Security cards, pay stubs, utility bills and tax returns.
Rental assistance for subsidized housing is an alternative to public housing. HUD offers reduced rent for those who meet requirements including income and family size. For this low-income housing arrangement, the landlord must agree to being paid a portion of the rent by the federal government.
Benefits of Low Income Housing
The need for affordable housing in the United States increased immensely because of the sour economy of 2008 and 2009. The HUD housing programs allow low-income families to live in places that they can afford without having to sacrifice necessities such as food, clothing and medical care.