Find help in finding, paying for and getting into an apartment or private housing.
The government has programs that can help families get an apartment. There is assistance for low income families, the disabled, seniors, single moms or dads, and others. Federal and state government grants and other resources will help individuals or families find and pay for housing as well as affordable apartments.
The government can help families or individuals find, pay for, and get into an apartment. But so can non-profits as well as charities. In fact, many of the non-profits oversee the federal government housing programs and 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 in cities, counties, and towns. 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.
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. 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. 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.
Cash and loans for getting into an apartment
There are ways to raise cash in a crisis. 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.
There are many ways to find, pay for, and move into an apartment. 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. All of these non-profits and government agencies offer this type of apartment service in an effort to reduce, or stop, homelessness.