The US Housing and Urban Development (HUD) has an Office of Affordable Housing Programs that administers three separate housing programs that are specifically designed to make quality and safe housing available to low income and moderate income households.
You must understand that HUD does make direct grants to tenants, homebuyers or homeowners. Instead affordable housing funds are provided to different states, local governments, and non-profit organizations to ensure that low income families get housing.
In order to qualify for HUD housing via public housing program, you have to be either a low income family or individual. Public housing was basically established to provide safe and decent rental housing for families, elderly, individuals or people with disabilities. A public housing can vary from a single family home to a highrise apartment.
Qualify for HUD Housing:
The housing agencies in your local area determines your eligibility to qualify for HUD housing based on your annual gross income, whether you qualify as an elderly, family or person with disability, US citizenship or eligible immigration status. If you are eligible, the housing agency will check your reference to ensure that you and your family will be good tenants. However, the housing agency reserves the right to deny an application if an applicant’s habits or practices are viewed as detrimental to other tenants or the project’s environment.
Housing agencies have to use income limits which have been developed by the HUD. HUD has a lower income limits at 80 percent and very low income limits at 50 percent of the median income for the county or metropolitan area in which the applicant chooses to live. Income limits vary from one area to the next and this means that you could be eligible in one housing agency but not the other.