Get help in finding, paying for and getting into an apartment or house.
The government has programs that will help families get an apartment or privately rented housing. There is assistance for low income families, the disabled, seniors, veterans, single moms or dads, the homeless and others. Free federal and state government grant money as well as other resources will help individuals or families find a place to live and pay for it. Learn how to get help finding an apartment and places that assist.
There are many programs offered. The government, as well as local charity organizations, will help low income families or individuals as well as people with no money or the formerly homeless. A goal is to help people get into income based housing. There are also assistance programs that help people without a job find an apartment to live in as well as employment to pay for it.
While the government can assist, but so can non-profits as well as charities. In fact, many local non-profits or charities oversee the federal government housing programs and disburse funding. Find more information on the options below.
Assistance programs for getting into an apartment or rental unit
The primary federal government assistance program will be housing choice vouchers from HUD, also commonly called section 8. This is an income based assistance program, in which a voucher will pay a portion of the rent that is due. The tenant also needs to pay a portion of the cost. The program is generally for low income families, those that live in poverty, senior citizens as well as the disabled.
Section 8 will pay for some of the apartment, townhome, condo, multi-family unit or private housing. The PHA agencies that run it a local level will also help the applicant find an apartment or home to live in. So it combines financial aid for rent, utilities, moving costs with help in locating an apartment. Find section 8 voucher programs near you.
Homeless Prevention and Rapid Rehousing, or HPRP is also available. This is generally run by non-profits, charities or social services in cities, counties, and towns. There is help for the homeless that need an apartment or a grant for housing as well as lower income households or the poor. The federal government provides cash grants to local municipalities. The funds pay for everything from credit repair to first months rent or deposits, storage fees, job placement, and more. Grants are allocated to agencies on an annual basis. More on homeless prevention and rapid rehousing.
It is possible to get a low cost apartment without needing to wait on a list. Whether it is emergency section 8 vouchers or a supportive apartment from a charity like Lutheran Services or a Rapid Rehousing program, there are solutions out there. Many also involve some form of financial help. Find low cost charitable or government housing without a waiting list.
Charities, churches, and non-profits also offer assistance to families who need to get into low income housing or an apartment. There will be many different agencies out there, ranging from the Salvation Army to local churches, St. Vincent de Paul, community action agencies and others. Many of the apartment services are paid for by the United Way. The apartment rent may be paid for with a grant, or some non-profits offer loans or other forms of emergency financial assistance Find a list of security deposit and first months rent payment assistance.
Transitional housing can be explored too. It is a multi-step process to finding a home. Often times if a client goes through a transitional housing program, at the end of the program that agency will help them find, and pay for, their own permanent home. it can help the homeless and low income that need an apartment. This is great for formerly homeless people, people fleeing domestic violence, immigrants, and former substance abusers among others. Get more details on applying for transitional housing.
Rent free apartments may be an option from federal and local government organizations. These are hard to get and only offered to a small number of applicants in exceptional circumstances. Families with children living in poverty (or with no income) may be qualified for this type of housing. Or the free rent apartments may be for the disabled, sick, veterans, or other limited situations. More on rent free apartments.
Tenants with an eviction on their record / credit reports can get help finding a home, apartment, or property to live in. In some cases financial help is provided as well or credit counseling to address the eviction. There are several government programs as well as charities that will provide people a second chance. Locate a list of second chance apartments that accept evictions.
People with bad or no credit can get help finding a place. A number of local government organizations partner with private landlords to help families (or single adults) that went through past financial challenges or hardships. Providing the prospective tenant is in the process of rebuilding their credit, some landlords or private property owners will offer apartments to rent. Find details on no credit check apartments.
Cash and loans for getting into an apartment
There are ways to raise cash in a crisis in order to get into an apartment. The money can be used to pay for an apartment. The methods will range from short term jobs to selling stuff, freelancing, side gigs, hobbies, cashback websites, or other sources. The emergency cash can be combined with housing as well as apartment locating services. There are many ways to make emergency cash.
If there is an emergency, then loans can be used. But it should only be short term borrowing and the borrower needs to have the means to pay it off in short order. Generally a loan is a last resort, and the government or non-profit grants listed above should be applied to first.
In addition, those agencies listed above can help the applicant find an apartment too whereby a lender or bank will not offer that service. Borrowing money for an apartment or home should not start a debt cycle, so it should be a last option and repaid quickly. Read more on payday loans from lenders.
Get help finding an apartment or home
There are many ways to find, pay for, and move into an apartment, including for the low income, veterans and formerly homeless. The government can help as can a number of charities. Some of the agencies will even help the family pack and move for their new home. Or the homeless can get into an apartment as well access other employment, medical and self-sufficiency programs.
While resources are limited, the fact is all of these non-profits and government agencies offer this type of apartment or housing program in an effort to reduce, or stop, homelessness. Whether the renter has a job or not, or has savings/money or not, the charities and government agencies will do their best to help someone (or a family) get a home, house or apartment to live in.
Additional options to help find government housing
While more limited in options, HUD can be a source of referrals as well. As they have a small amount of Public Housing programs (the main DC office is at 202-708-1112) that offer homes pr apartments, though the wait list and number of units is limited.
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