Security deposit assistance programs that may be near you, in your state.
Find where to get help with paying a security deposit and get information on programs that provide money to pay moving costs, including first or last month’s rent. Local as well as national charities, churches and government organizations help low-income families or people with little or money move into an affordable place. Most of the organizations offer grant money with some issuing a loan to pay a rental deposit or related move-in cost. Find security deposit assistance programs that may be near you listed below, with state and national resources listed.
In general, the very low income or formerly homeless will be able to receive financial help paying for paying the deposit on an apartment, but they will need to have some source of income to pay future housing costs. If qualified, the money is to help with all costs for moving - a security deposit, first and last months rent and even lease application fees. The goal is to help low-income families, single mothers, seniors or the disabled among others get a affordable home or apartment to live for the long term, with some organizations also offering emergency security deposit help.
Charities that help pay a security deposit or first-last months rent
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The Salvation Army has security deposit assistance programs that vary by center and state. If a location near you can in fact provide money for paying security deposits on a new home or low-cost apartment, then they will also ensure that individuals sign up for case management as well as other social services so that they become self-sufficient.
- While each local center will have their own terms and conditions, in most cases assistance to pay a security deposit is focused on formerly homeless people who are moving from Salvation Army homeless shelters or transitional housing. This is generally available if the applicant has met all goals that were established when they lived in that short term housing. Funds to help move offered to those who need a little extra support before forging their own path. To apply for funds, contact a nearby Salvation Army to get help paying a security deposit. Click here for Salvation Army locations.
Catholic Charities will offer emergency financial assistance, with some churches helping to pay moving costs or a security deposit. A focus is generally on single mothers, senior citizens who lack sufficiency funds, or women leaving a domestic abuse situation who need a safe place to live. In some instances, a Catholic Charities church will help an asylum seeker or refugee pay the deposit on a property.
- Applicants will need to call a church or branch near them to apply for security deposit help, as typically only a limited region is supported by a local Catholic Charity organization. Some local sites will even have volunteers that help people move to a new private rented property or even section 8 apartment, and this will be in addition to any security deposit help. If it is even available, all financial assistance will be determined on a case-by-case basis by social workers who are on site. Read Catholic Charities assistance programs.
St. Vincent DePaul has limited funds to help with moving costs or rental deposits. All requests for security deposit or first-last months rent assistance need to be verified by St. Vincent De Paul or a local church. From time to time they will help qualified low income, working poor, and the homeless pay for other housing needs. A local SVDP also may have funds to pay for a lease application fee or storage costs.
- The applicant will not be paid themselves. Rather the checks will be issued by St. Vincent de Paul to the appropriate company, such as a landlord, PHA or apartment community to cover the security deposit that is due. Many locations will also ask each person that is granted cash assistance to help repay the money over time if possible as they get back on their feet. Find more details on Society of Saint Vincent de Paul rent deposit assistance programs.
Funds, including loans, grants, or money to pay a deposit, will be provided by United Way affiliated agencies. A local United Way will help people find, and apply for, security deposit assistance programs in their local area that focus on helping the for the formerly homeless, evicted, or new low-income tenants pay for a place to live. The United Way is a clearinghouse for information, and they offer free referrals. Read more on deposit and housing from United Way.
Insurance companies, banks, or financial institutions offer Security Deposit Guarantee Programs. It is a form of insurance or “surety bond” that helps low to moderate income families, or those with poor credit, pay the funds for a security deposit a landlord requires. It is a great alternative for prospective tenants who do not have the cash, or savings, to pay the security deposit or first/last months rent that a landlord may require. More information on security deposit guarantees.
Community action agency grant money helps pay for deposits, including moving costs. Each county across the nation has a community action agency that focuses on residents in the area. Sometimes the money to help pay a security deposit may be issued in your town or county, and sometimes the money may only be offered in a neighboring community.
- Financial help with move costs or a security deposit is combined with other support. All local community action agencies will do what they can to provide resources to struggling individuals, people living in poverty and low-income families in crisis. They will often combine one-time security deposit help with loans as well as other services, ranging from housing stabilization to career counseling. If these non-profits can’t provide the funds needed to move, then they more than likely can offer referrals. Find a list of community action agencies.
The Urban League is often involved in disbursing grant money in local communities with some areas providing funds to help pay a security deposit and/or the first or last month’s rent on a new leased home. The programs are income based and depending on other qualifications, with the person applying needing to be on the path to economic stability. All funds to pay a security deposit or first come, first serve and find more details here. Find an Urban League housing assistance program near you.
Assistance with security deposits from government agencies
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HUD helps place the low-income in a property, including providing grants to pay a security deposit, first and last months rent. This is part of the comprehensive services they offer for homeless people, no matter their age. HUD partners with local government agencies to arrange these short term security deposit assistance programs. But there are other assistance programs out there, including from HUD homeless deposit resources.
- Security deposit and moving help from HUD (Housing and Urban Development) is an option. The government agency helps homeless people, or those close to it, find a place to live. As part of this, there are free vouchers (grants) from HUD or partners to help them pay the security deposit, 1st months rent or moving costs. These are local programs, and find details here. https://www.hudexchange.info/housing-and-homeless-assistance/.
Veterans, and their immediate family members, can get help with a security deposit from federal government programs. There are multiple options, including SSVF, HUD-VASH, VA benefits and others. Grant money will help pay for a variety of housing costs, including moving costs, storage, the deposit for a rental property and others. Learn more on veteran rental and deposit assistance.
Money from government programs such as the HUD or Emergency Shelter Grants (ESG) can often be used to help pay security deposits or other moving expenses as well as help the low-income find an affordable place to live. The government, partnering with local non-profits, will help people pay the costs to move in - including a security deposit on that house or apartment. Local organizations partner with HUD on this, and learn more on help getting an apartment.
Local housing authorities also provide a small number of rent free houses. These properties will also have no security deposit due to lease the home or apartment. They are part of government affiliated housing authorities, section 8 and social services. The housing authorities also set the rules around deposit help, including money to pay section 8 HCV deposits on a private rental house.
- In general, the government programs may waive the deposit for (or pay all of it on private owned apartments) for women facing abuse, asylum seekers, and those in an extreme hardship. Find information on no deposit apartments for the low-income.
The federal website HUD.gov has details on government security and rental deposit programs by state. The site lists government funded options as a small number of non-profit options in each state, with both emergency and long term resources listed here https://www.hud.gov/states.
Local security deposit assistance programs by state
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Oftentimes local rental assistance programs allow some or all of a deposit to be paid. This free government grant money or charitable funds that may near you are issued by local organizations, often in a county and city. Both grant money or, in some cases, security deposit loans or guarantees are offered. Find rental and/or security deposit assistance in your state.
Partnerships of local charities, state as well as federal government organizations often provide security deposit help. They work together to disburse funds, often as part of a Rapid Rehousing or Housing First program. Local government organizations, such as a county, may also offer help. The security deposit help is arranged by partnerships of government organizations, charities, churches and non-profits to limit local homelessness. The goal of these is to help families, kids, get a house to live in as soon as possible.
- Most government municipalities partner with non-profit agencies that distribute government grants or hardship funds as well as part of Rapid Rehousing. This government program combines emergency security deposit help with other housing programs. Read more on rapid rehousing funds to pay for moving costs.
Contact us for additional ways to get deposit help
Please send us an email at [email protected] Please be sure to include your email address and state that you are seeking resources for. The information is needed to send a reply. In general, the amount of security deposit help is limited. Even when a charity or government agency provides funding, they will almost always want to ensure that the applicant is financially stable.
Or, as another option, if you are interested in what other people from across the US are saying, or doing, when it comes to getting help with a rental deposit, use our forum focused on security deposit assistance programs. You can find other tips from people across the country, local resources and get feedback from others.
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