Low Income Housing

Tips for Low income housing

Before planning on low income housing it is important to understand that there is a difference between affordable housing and low income housing. The basic similarities of both these types of housing are that these are based on the income of an individual and other criteria are also considered.

There are two types of housing which are considered as low income housing and the government subsidized housing. Both the programs for these types of housing are handled by the HUD and are subject to the regulations and rules for rentals.  The housing of Section 8 gives a voucher to the low income families that adjust the difference in the payments to be made and the amount they can afford. Both these options differ from county to county and state to state.

How to apply for Low Income Housing:

Before you plan on applying for the low income housing you need to have an understanding what income is considered as ‘low income’ according to the specific county. You can contact the local housing authority for a clear picture of the low income housing.

*Once you are sure of qualifying for this type of housing you need to verify the income with the HUD (Housing and urban Development). You can submit recent pay-slips, IRS tax returns or invoices as this proof. Ensure you have the knowledge of the different types of programs available for the low income group.
*You also need to submit the rental history, prove that you are a citizen of the U.S. and pass a background check.

*This process of applying for low income housing tends to be a little complex. You need to counsel the HUD who can provide apt advice on credit issues, defaults, renting and a lot more. The total process can get simple.

Programs you can qualify for:

You have a choice between three programs for which you can qualify.

1. Public Housing:

This type of housing is owned by the state. The rent is fixed by the government for helping those in the low income group. Besides low income families given preference, you also have preferences give to those with disabilities and the elderly. The public housing agency of a specific state can help you out with this.

2. Private Housing:

This type of low income housing is owned by specific landlords who work alongside the government. This type of housing can also be applied for online.

3. Voucher Program:

This program does not help you find the property but are given a voucher which covers at least a part of the rent. You have the option of finding a property of your choice.

With the different programs finding a home is no longer a tough choice. You need to make an effort and find out which program for low income housing works best in accordance to your requirement. Seeking the help of professionals makes this much more easy and convenient. The best place to seek the required help is the HUD.