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Low income assistance programs.

Find where to apply for low income assistance programs. Locate housing, Internet programs, utility bill assistance, healthcare, programs for seniors or people with no money and other benefits. A number of state and federal government organizations, charities, and non-profits help low-income families as well as single people. Emergency assistance is provided as well as long term care. Find details on low income assistance programs below as well as benefits for people with no money.

The resources cover a wide variety of needs. Low income families and the working poor can get assistance from some or all of the following.

  1. Housing, including access to low-income apartments with no waiting list, rent help, senior housing or money to move and more.
  2. Free cars and/or auto repairs if transportation is needed for work or school.
  3. Legal aid including assistance from free lawyers or attorneys that help low-income families as well as poor people.
  4. Energy as well as utility bill assistance including LIHEAP grants.
  5. Programs for low income homeowners, including property tax relief, low-cost loans for buying a home and other resources.
  6. Social services ranging from free phones to Internet access, government benefits for single people with no money, health care, cash assistance, food and more.

Housing programs for low-income families or single people

Affordable, low cost housing with no waiting list may be available near you: Several charities, such as Mercy Housing, VOA and others, offer apartments, homes, and other properties for rent. There are also some government housing units from PHA. Low income seniors, the elderly, disabled, and disadvantaged often get priority. Read more on, and get low income emergency housing with no wait list.

Assistance programs for tenants and homeowners: The are government supported and charity programs that focus on addressing housing needs of low income families or people in poverty. They operate in local communities and provide support to those who need it. Both renters and homeowners can apply for housing assistance.




Emergency low income housing programs: While not as common and widely available as other programs help, several churches, government agencies, and non-profits do focus on expediting the process to get a low-income household into an immediate home. Some resources focus on getting fast housing for homeless or low-income tenants that need to move. Other programs may help elderly or disabled people. Find how to get low income housing fast.

Foreclosure and housing counseling: Millions of homeowners will struggle to pay their monthly mortgage or they may be close to or facing a foreclosure each year. Hundreds of non-profit organizations across the country are certified by the federal government Housing and Urban Development agency (HUD) to provide free or low cost advice  Counselors will help low to moderate income people stop a foreclosure or get back on track with paying their home loans. Many of the foreclosure prevention services are free to low income clients. More on free HUD foreclosure help.

Government home buying programs for very low income families: Section 8 Housing Choice Vouchers can pay a mortgage. Families or single adult person can use this low income housing benefit program to pay for closing costs, home loans or mortgages, and other bills associated with homeownership. More on section 8 low income home buying mortgage help.

Help for homeless people and the very poor: A number of charities focus on the homeless, whether a family or single person. Many homeless people have a low-income and just can’t afford a place to live, and charity organizations as well as churches try to assist. Locate emergency assistance for homeless.

Home Repairs: Both grants and low interest loans exist for paying for home repairs and improvements. State and federal funds typically are available to people with a low-income or no money, but your local community action agency is usually the place to apply to for help. Or they can redirect you to other organizations for information on how to apply for a home repair program. Learn more on home repairs.





Low income Housing and Urban Development (HUD) Programs: The national organization helps over one million families as well as single people annually with paying their rent and security deposits. The federal government funded organization also helps prevent evictions, arranges low-income apartments and provides resources to stop homelessness. They offer rental vouchers to those low income families who are struggling with their housing expenses. Find more details on HUD.

Low income apartments and free housing, including for people with no money, are available. Most of these units are for extreme hardships, such as women facing or fleeing domestic violence, veterans, the elderly who are unsafe and others. Free or low-income apartments are offered by HUD, national churches including Mercy Housing, and others. Find low income or free housing near you.

Low income housing assistance for military personnel and veterans: Mortgage assistance is offered to active duty military personnel, and the Veterans Affairs Supportive Housing Program provides rental vouchers to low income veterans. More on low income military homeowners assistance.

Rural America low-cost housing: Rent help for low income rural families is provided by the USDA. The US Department of Agriculture gives rent help to low income rural families. This will be a subsidy, and the assistance is available from the Rural Development program. They also provide the disabled, elderly, and others with housing assistance. Find how to get rent help from the USDA.

Section 8 Housing for families in poverty: This rent and housing assistance program was created by the U.S. Department of Housing and Urban Development (HUD) to help low income renters with paying housing expenses. Applicants are low income families, households on welfare, and even single moms or dads. Learn more on Section 8.

Senior citizens will get housing: Seniors, the elderly, and people over the age of 55 can apply for affordable and/or income subsidized housing. Apartments, townhomes, community living and other options are available, and most come with supportive components to address medical or transportation needs. Continue with low income housing and homes for seniors.

Low income energy, utility, and water bill assistance

Energy bill assistance: There are at least two federal government programs that can help low income families or single people pay their heating, utility or cooling costs. Hardship grants for low-income households or those families with no money are offered as well as free energy conservation programs. LIHEAP and Weatherization assistance help millions of people every year. Get LIHEAP applications for energy bills.





Financial assistance for low-income customers of utility companies: Most utility companies, which are privately owned, run numerous assistance programs for qualified customers that are living in poverty or have a low income. Some services and resources they provide themselves, and others are administered in partnership with local non-profit and charity organizations. Energy assistance can include grants and other forms of financial assistance programs. Find utility company low-income programs.

Free internet services for low income: The federal government has assistance programs that pay for Internet, Wi-Fi, and high speed cable connections. Students, remote or online workers and other low-income households as well as people on public assistance can get help. Apply for free low income internet.

The Low Income Household Water Assistance Program, or LIHWAP: This benefit will help low income families, single people and households that have an income level close to or in poverty. The financial resource is very similar to LIHEAP (above). Grants are issued from the government, in partnership with community action agencies, and the money can help pay sewer or water costs. Find how to get LIHWAP grants for paying water bills.

Health, medical and dental care

Dental care offered by government supported low-income dental clinics: Hundreds of government and private funded dental centers can offer a number of free services, including check ups, cleanings, consultations, and referrals. Patients can get their needs met, or low income families can learn about other dental programs for their needs. Both professional and volunteers dentists contribute their time to the free dental clinics.

Free low income health care programs: The federal governments Health Resources and Services Administration provides free health care benefits to low income people throughout all 50 states. Low income families and individuals can stop by these clinics to get their medical needs addressed. More info on Health Resources and Services Administration.Low income family assistance programs

Help with prescription drugs or medications: Medications for health care related concerns will be the most commonly requested low income assistance program from the government or non-profits. For example, you can get free or affordable prescription medications from pharmaceutical companies, free health care from retail clinics, help with medical bills and debt, and a wide variety of other medical needs met. Find details on free prescription drugs.

Low income or free health care from clinics: It is estimated that almost 20% of Americans lack proper health insurance. Millions of others do not have enough money to pay for their medical and hospital bills, even though they have some form of insurance. Every state has community clinics and health care centers that provide free or low cost medical care to its residents. More on free clinics.

Volunteer or low-income dentists: Mobile clinics, dental offices or colleges, technical schools and other centers have dentists that provide free care, including to people with no money or insurance. Cleanings, emergency surgery, extractions and more is offered. Locate a low income dentist near you.

Government low-income benefit programs and social services

Child care subsidies and low-income voucher: Grants are provided to states and local communities in an effort to provide affordable day care to qualified low income families. The parent (single person or married) will need to be working, going to school, or in some form of approved job training program. Government funding will only pay a portion of your overall child care costs and the family will still need to make various co-payments to the provider. Find details on government child care programs.

Education assistance: There are numerous low income assistance programs to help people pay college loans and other school expenses. The goal is to ensure that everyone has the skills they need to keep up with the ever changing job market. You can defer loans, consolidate them into low interest loans, and more. Find ways to get help with student loans.







Free cremation or burial for low-income families: People with no money, the indigent and seniors will get help pay for funerals, burials, or a cremation. Government benefits as well as non-profits provide help. There may be caskets, headstones and other services for low-income households or their relatives. Locate free cremation for low-income families.

Internet: Households with children that meet low income guidelines can receive low cost access to the Internet for school or work usage. Programs are offered by both phone and cable companies. They will provide set up of the system, training on how to use it, and some companies will even offer a new computer to qualified low income families. There are various programs for low cost internet access.

Immigrant services and benefits: Whether undocumented, legal, or illegal immigrants, there are programs to help low income newcomers to this country. Many of the resources focus on meeting the financial needs of those with children or the elderly, but others can apply as well for everything from legal advice to cash aid. Find a list of immigrant assistance programs.

Low income welfare benefits: States as well as the federal government provide this form of cash assistance to the poor. Most of the money goes to very low income households, but the funds can be used to help pay for a wide variety of bills as well as household living expenses. More on welfare benefits.

Phones: Government programs, including Lifeline or Link-Up among others, provide low-income disabled people, families on benefits, and seniors with a free cell or home phone. A package of Internet usage, texting, and other features are offered too. Locate a free phone for the low-income.

Rural programs: Unfortunately those families or individuals that reside in more rural areas have less access to low income programs than other individuals. There are fewer charities, non-profits, as well as resources for paying bills and many of them may not be near by. So there are challenges, but the fact is that the poor and low income in small towns and outlying areas can get financial help or access to benefits as well. Find how to get assistance in rural communities.

United Way low income, emergency assistance programs: The United Way is a national non-profit that helps both the low income or even moderate to high earning households. They give free referrals, including to benefits for people with no money or savings. Whether it is for financial assistance, government benefits, employment, immigration services, debt programs, or anything else, a number of resources are offered for the low income. More on United Way assistance programs.

Food for low-income households

Food pantries provide reduced priced or free groceries Get information on places to turn to for food, groceries, perishable items, holiday meals, and other forms of hunger prevention programs. Every state and county is served by one or more food banks, and there are free groceries if you have no money. There are thousands of centers, and find a food pantry near you.

Free or low cost food: The low income and other needy individuals have resources available to them that can provide them with free or low cost food as well as groceries. They include government funded food assistance programs for families or single adult people with or without children. There are also non-profits and charities that offer people of all income levels access to free groceries or food assistance programs.





Lawyers, loans and credit counseling

Car loans for low-income people: Government programs, credit unions and auto dealerships provide finance to struggling households, including people with no job, savings, or money. Non-profits, including Ways to Work and community action agencies, also provide funds. Get help from low income car loans.

Free debt and credit repair counseling: Numerous national and local non-profit credit counseling agencies exist for low income individuals. They can provide free foreclosure advice, enrollment into debt management plans, and help people file for bankruptcy. Counselors will provide free assistance to help with dealing with credit card debts and free medical debt assistance. Learn more on the credit counseling agencies.

Low income legal advice and free attorneys: The federal government provides grants and funding to hundreds of law offices across the country. The attorneys at these locations offer low income families a variety of free legal services. This is known as pro-bono for the poor, indigent, low-income or seniors. Find lawyers give free legal assistance.

Loans: Banks, non-profit or charitable credit unions, and even the government can give emergency loans to as a form of financial help for low income families. The funds are targeted at the underbanked or people that have no savings or checking account or households with bed credit. Find how to get loans for low income borrowers with bad credit.

Low income apps for saving, coupons, or getting benefits: Many technology companies focus on helping low income families, whether they have kids or not, married or single. Technology can help them apply for SNAP food stamps, check the balance on their EBT or cash welfare accounts, access health care and help in other ways. Get a list of apps for low income families.

Low income investing: It is possible to save, invest, and buy stocks even if you have a limited income or little money saved to start. Online brokerages, smart phone apps, and other tools offer zero commissions and very low commitments when making a buy. Start to invest into stocks with little money.

Low income charity programs for people with no money or a low-income

Clothes, household goods and stuff Families or single people can turn to centers such as free clothing closets, thrift stores, churches, non-profit organizations or other charities. Thousands of sites across the nation collect gently used goods, including furniture, work uniforms, toys for children, interview and school clothes and more. They then provide the items, often for free, to those who need help. Find free clothes.

Christmas programs for low income families from charities: Thousands of charities and volunteer groups provide free toys, meals, food and more to children so they can experience holiday joy. The applications are generally processed first come and served to low income parents, including single moms or dads. Find local free Christmas assistance programs.

Free or affordable car repairs for people with no money: Low-income families, single moms, the formerly homeless and others will often get free car repairs from charities. Auto dealerships, charities and other organizations may provide the labor to fix a car or truck. Or get free parts and more. Locate free car repairs for low income families.

Laptop and desktop computers: Free, either new or refurbished, laptops, tablets, and Chromebooks are available. Most of the low-income programs are for students from K-12 or in college. Some low-income remote workers or families with no money may also get help. Continue with free laptops for low income families.





Nearby resources: Many low income programs are county specific and/or vary local. They may cover only certain towns, zip codes or communities. There may be financial help, social services, free items for people with no money or income and other support. Find help near you.

Programs for low income single mothers: For households that live on one income and have children, there are charities as well as government agencies that can be turned to for financial help. They may offer the parent food or applications to emergency financial assistance, housing, or child care. Other resources may also be provided, and find help for single moms.

Used cars, free automobiles or trucks: People with bad credit, no money or savings, and/or a low income will often be able to get a free car for work, job training, apprenticeships and other related reasons. Auto dealerships will help, charities and churches and other groups try to provide low income families with the transportation they need. Locate low income car programs.

Veterinary care is provided, for free or a low-cost, by clinics, volunteer veterinarians, non-profits and pet rescue agencies. Other charities or grant programs also are available. Low-income families can get help with cats, dogs, and other pets they may have. A major focus in on assisting seniors, the disabled or veterans. Locate free veterinary care for the low income.


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