United States Federal Assistance


If you’re a low-income earner and you’re trying to find ways to house you and your family, you might not know what options are available for you. Thankfully, there is an option that may fit your needs with Section 8 Housing.

What is that?

Section 8 Housing allows any private landlord to rent sheltering at fair market rates to qualified low income tenants.“Section 8” is the same thing as the Housing Choice Voucher Program and is financed by the US Department of Housing and Urban Development (HUD).

How it works:

  • You can apply to see if you qualifiy as a low income earner here: 6197795148
  • Tenants work out a deal with the landlord or property owner, where they paya minimum of 28.5% of their income toward monthly rent. Home Forward takes care of the remainder of the rent payment.
  • Landlords are protected as they use their regular leases and application standards remain the same. For example, if a landlord doesn’t llow smoking in their building, the same rules will apply to a Section 8 tenant.

The Section 8 Housing Choice Voucher, thus pays for the remainder of a rent that is greater than 30% of a renter’s monthly income. Of course, the home must meet the certain requirements set by the local housing authority and the cost of the unit must be equal or less than the Fair Market Rent set by HUD. This ensures a fair playing field and that everyone gets the housing they need fairly.

Who sets up Section 8 Housing Choice Vouchers?

Neither the federal government nor the state, but local housing authorities and each community has different criterion that applicants must meet to qualify for the benefit. Contact your own local housing group to find out if you qualify to receive and how to go about applying to the Section 8 Housing Choice Voucher Program.

How Is Tenant and Project Based Section 8 Different?

Tenant-Based Section 8 is also called Housing Choice Voucher Program, or the system mentioned above. It remains attached to the tenant, meaning if you move, you keep the same assistance.

Project-Based Section 8, is attached to the property instead, meaning that you may move into a unit that participates in Section 8 and get the same assistance as above. However, if you leave, the next person to move into the unit will take advantage of the unit as the benefit does not move with you.

Most big cities have large, reasonably priced apartement complexes with project-based Section 8 assistance.They’re all across the country and they tend to have long wait times. However, depending on how lucky you are, you may be able to land one.

Do I Qualify for the Section 8 Housing Voucher?

To find out, contact your local housing authority, but generally qualification depends on income. Across the board, if your income is less than 50% of the Area Median Income (AMI) for your community, you probably qualify. However, the program is required to target 75% of assistance to families who earn 30 percent or less of the AMI. Other common conditions of receiving this benefit includes citizenship or certain categories of legal residency and owned assets. Again, to learn more, contact your local housing authority, whoever that may be.

How to Apply

For that, the housing authority in your community should be your starting point. The program is enacted locally by housing authorities and there should be one where you live or near where you live. You can search for local housing authorities by typing that phrase and your location into the search bar. See what comes up and, if there is contact information available, use it.

For applying for a voucher, contact your local 3362906593. For further assistance, contact the HUD office nearest to you.

What are Local Preferences and Waiting Lists? How Do They Affect Me?

The demand for housing exceeds the limited resources available to HUD and and local housing agencies. As such, long waiting periods are common. It’s often the case that a PHA will close it’s waiting list when there are more families on the list that can be assisted in the near future. However, PHA will give local preferences to applicants on the waiting list if:

  • The family is living in insufficient housing or is homeless.
  • The family’s rent costs them more than 50% of their monthly income.
  • A family is displaced through no fault of their own.

Families who are living under any of the above conditions may move ahead of other families on the waiting list. Each PHA has the discretion to establish local preferences to reflect the housing needs and priorities of its particular community.

If I Receive The Section 8 Voucher, Will I be Able To Pay My Rent?

The formula for the Section 8 Voucher is as follows:

Tenant Rent Payment = Monthly Earnings X 30%

The assistance will cover the following:

Assistance Amount = Total Rent – Tenant Rent Payment

So, if you make $1,500 a month, you would pay $500 toward rent ($1,500 X 30%). If the cost of rent for the unit is $700, your landlord will receive $200 worth of subsidy for your rent.

How Long Will I Have To Wait?

There’s no straightforward answer to this as wait times are always long for these types of subidies and budget cuts common. Many families are in need of these housing subsidy programs as rent, especially in larger cities keep growing and almost all the local housing authorities nationwide have long waiting lists. Keep trying and hopefully an opportunity comes your way, as this program can really help families dig themselves out of financial holes and start anew.

However, if your housing situation is urgent, under exceptional cisrcumstance, priority waiting lists do exists. If you are homeless or have suffered domestic violence at home and need an affordable place to go, you should contact the housing authority in your area and find out what the best options are in a serious situation.

Government Grant Scams: Do Not Fall For Them

Maybe you’ve seen something like this:

“Because you pay your income taxes on time, you have been awarded a free $15,000 federal government grant! To get your grant, simply give us your checking account information, and we will direct-deposit the grant into your bank account and even waive the processing fee!”

Don’t be fooled.

Sometimes an ad will claim that you qualify to receive funding appealing to your want of free money to pay for the cost of schooling,renovations to your auto payments, or bills you’re struggling to pay. Other times, scams take the form of calls, apparently from a “government agency” or some other organization with a fancy, legitimate sounding name. Either way they say the same thing: you get money that you don’t have to pay back, just give us a little something first.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, says that all commonplace free grants are almost always scams, whether you come by them in the news paper, a magazine or even receive a phone call from someone who appears to know your information.

It’s easy to see why people would fall for them. We all fantasize about lining the lottery and what we would do with the cash. Scam artists prey on this desire, offering small lottery-like wins that will only, in turn, suck your money dry. FTC attorneys say that wherever you see these fake grants, they are rip offs.

How to Spot a Fake Grant Scam

There are two scenarios:

  1. you’ve been told you won a grant and you didn’t apply for one, or
  2. you’ve been told you’ve been won a grant and you did apply for one.

Obviously, the first scenario will make you more skeptical than the second one, but there are ways to tell in both cases if the grant offer you got is a scam.

Grant scammer almost always follow a speech: After congratulating you on your so-called winnings, they will ask for personal financial information, such as your bank account number so that they can either deposit your funds into your account or cover a fee of some sort. There’s truly no way to find out the identity of the person after the scam has happened, especially when they just took all your money, so don’t be tricked by this ruse as a legitimate organization will never ask you for this type of information.

If you actually did apply for the grant, you should be wary of the timing you got this notice to when you sent in your grant application. Grant reviews can take months, so if you’ve been notified you won within a few days, there’s something not right, and the notification you got is probably a scam.

It’s very unlikely that an authentic grant agency will ask for your bank account number, and will instead send you a check. This is reason enough to be weary of grants asking for financial information.

Follow what the FTC says

The Federal Trade Commision has a few simple and easy systems you can use to keep from being scammed by a fake government grant scheme:

  • Don’t share your financial information with strangers, especially over the phone. A legitimate organization will never require this type of information, as it is far more customary for them to send a cheque than to deposit directly into your account.
  • Never pay for a “free” government grant. Paying for a free grant means it’s not free, whatever the case may be. They may be tricky and say you have to pay for a minor expense, but don’t fall for it. Government agencies won’t ever make you pay a fee to receive a federal grant and you can easily find lists of the agencies that offer grants online. The only official access point for all federal grant-making agencies is grants.gov.
  • What’s in a name? Well, just because a caller claims to be from the “Federal Grants Administration” or another, official sounding office doesn’t mean that they are. There is no such government agency. A quick google search will verify the validity of any organization that calls you, so take the time to look up who they are. You may be glad you did.
  • Caller ID can be deceptive. With modern technology, scammers can easily change their location so that they say they’re from one place (say for instance Washington DC) but actually can be anywhere in the world. Be skeptical with callers.
  • You can easily filter the unwanted calls you receive from telemarketers and scammers alike by placing your phone number on the National Do Not Call Registry. Register online here 709-572-3342 or register by phone by calling 1-888-382-1222 (TTY: 1-866-290-4236) from the phone number you wish to reduce unwanted phone calls from.
  • If you suspect you have fallen victim to a grant scheme, 7852015361, or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, Which is a database available to both U.S based and foreign law enforcement agencies. When you file a complaint, you put the scammers on the radar, which helps prevent them from using the same scheme to trick other people and makes it possible for them to be criminally charged.

Hearing that you won a government grant can be a dream come true, but exercise healthy skepticism before you let your guard down. Verify the agency that contacted you with a quick google search and listen to their message. If they ask for your monetary information like bank account or credit card number, run away as fast as you can. If they ask you to pay for a small fee or to pay the grant institution for reviewing your application, do not be fooled. Scammers are getting cleverer and it’s up to the regular citizen to guard themselves from scams. However, after reading this article you should be much more prepared to fend them off.


It is important to know how to get a free annual credit report, especially if you want to take out a loan and wish to see what a lender sees when pulling up your credit. Access to a free credit report is needed to check errors or if you think you might be a victim of fraud.

Under federal law, TransUnion, Experian, and Equifax, the major credit agencies, must provide consumers with a free credit report annually. Here are 7078057550 and things to take into consideration along the way.

Getting a Copy of a Credit Report

Request credit files from TransUnion, Experian, and Equifax by visiting the AnnualCreditReport.com website. You can view or order copies online or request copies to be mailed to you.

Security questions and personal information are required to verify your identity. Asking for a credit report does not harm your credit rating. It is recommended to print copies if you dispute any information on a report.

Before downloading a copy, be sure the computer has up-to-date malware protection and antivirus programs to prevent information from falling into the wrong hands. You can also call 1–877-322-8228 to order by phone or request your file through the mail.

The order form can be found online. The form asks for identifying information. The mailing address is:

Annual Credit Report Request Service

P. O. Box 105281

Atlanta, GA 30348-5281

The report arrives within two to three weeks.

The necessary information needed to establish your identity when requesting a free credit report includes:

  • Date of birth
  • Current address
  • Social security number

Your previous address is required if you have not resided at your current address for at least two years. Each of the three reporting agencies will question you about your credit history to verify you are the individual asking for the report.

Questions may include when credit accounts were opened, how much is owed, and previous addresses. There is no reason for concern if some information is not recognized. ‘None of the above’ is a typical answer to identity verification questions.

All reports can be viewed online. Registering an account with the reporting agencies may allow viewing up to 30 days. If not registered, only one view is allowed. In that case, it is important to save or print the reports.

Some people prefer not to use the Internet. They can request a report by phone or by at the number and address above. The verification is simple and straightforward. It is similar to online verification.

Do the Three Credit Bureau Reports Contain the Same Information?

The credit bureaus are private companies that do not share information. Your financial story may be told slightly differently by each agency. Information about mortgage companies, credit cards, and of lenders may not be the same.

Utility and telephone companies may send credit reports. Non-lending organizations tend to do so to report late payments. The three reporting credit agencies obtain information from different sources.

They also present the information in different manners. Before applying for credit for large purchases such as a house or car, it is recommended to get a report from all three companies to ensure the information is correct.

Equifax groups accounts in ‘open’ and ‘closed’ categories. This classification system makes reviewing current accounts easy. There is an 81-month credit history provided for each credit account. The report reflects timely or overdue payments for each month.

Experian’s most helpful feature tells when a negative report or account is scheduled to fall off the credit report. Experian also offers the 81-month payment history. It is the only agency that reports on-time rental payments instead of only those that are late.

The most current employment and previous address information tend to be found on TransUnion. Current employment information can be reported on their website when a report is received. That information does not change a credit score. TransUnion is the only credit company that reports monthly balances and payment as part of the credit history.

Some experts recommend staggering report requests so that there is a new report from one of the agencies every four months. The theory behind the practice is to keep track of credit information throughout the year.

Because the agencies do not share information staggering the requests may cause you to wait several months to catch a mistake and take steps to correct it. Those who want to check on updated credit reports regularly will likely have to subscribe to a service that provides credit monitoring for a recurring fee.

There are free resources that provide consumers with easy-to-understand snapshots of their credit and some of their credit scores. They include:

  • credit.com
  • Credit Karma
  • freescoresonline.com
  • nationalcreditreport.com
  • annualcreditreport.com

Of these, annualcreditreport.com is a website set up by Experian, TransUnion, and Equifax that allows consumers to request reports easily. The site is authorized to issue credit reports free of charge. The others are referred to as imposters, yet advertisements for them appear on the same resource web page that makes the claim.

Some situations may entitle you to more no-cost copies of your report. Fraud victims and unemployed people seeking work can often get additional copies without paying for them. Some state mandates require credit agencies to provide other opportunities for residents to request their credit files free of charge.

Errors on Credit Reports

One in five Americans find errors on credit reports. Mistakes on credit reports can disqualify a person for car loans, and mortgages, as well as cause, increased interest rates and insurance premiums.

Mistakes on credit reports have prevented people from getting jobs. While 79 percent of consumers who dispute credit report errors have them successfully removed, false credit report items are often not challenged. When individuals are unable to get the credit due to a low credit score, they are rudely awakened.

Information found on a credit report includes your address, all credit accounts you have, if your bills are paid on time, and if you filed bankruptcy or have been sued. The U.S. Federal Trade Commission recommends checking credit reports at least once per year to make sure the information is correct and prevent identity theft.

Get Disaster Assistance

When state and local resources are overwhelmed by a disaster, the governor requests the president to issue a Major Disaster Declaration. That declaration activates 8459694878 for families and individuals.

Types of assistance available include:

  • Post-disaster trauma counseling
  • Grants and low-interest loans
  • Temporary housing

There are four ways to register for assistance:

  • Smartphone: m.fema.gov
  • Teletypewriter, or TTY: 800-462-7585
  • Phone: 800-621-3362
  • Online: DisasterAssistance.gov

To find a mobile, contact the Disaster Recovery Center. The FEMA Housing Portal provides housing Assistance. To request an appeal if denied a FEMA grant, write


National Processing Service Center

P.O. Box 10055

Hyattsville, MD 20782-7055

The fax number is 800-827-8112. Submit with Attention: FEMA – Individuals & Household Programs.

FEMA does not activate all disaster relief and assistance programs in every disaster situation. The nature of the damage dictates the programs made available. The losses suffered must have occurred at the location covered by the Major Disaster Declaration.

The area covered can be found quickly on FEMA’s Federal Disaster Declaration website. The criteria used to determine a major disaster area include:

  • Type and amount of damage
  • Imminent threat to the public’s health and safety
  • Level of insurance coverage for public facilities and homeowners

Insurance Claims

After the major disaster area determination is made, file an insurance claim for any incurred damages, with your home and auto insurance company. Failing to file an insurance claim can affect federal assistance eligibility.

By law, FEMA cannot fund losses covered by insurance. After filing, FEMA may provide some assistance under these circumstances.

Insurance Settlement is Delayed

A settlement, delayed more than 30 days, may qualify for a FEMA loan. Repayment is expected when the settlement arrives. To file, write FEMA and provide:

  • A full explanation
  • Insurance claim number
  • Date of claim
  • Documentation

Insurance Settlement Does Not Cover All the Damage

If the insurance payment doesn’t adequately cover the disaster-related needs, FEMA may help with the difference. Write FEMA and provide complete insurance documentation and a full explanation.

Exhausted Additional Living Expenses

Provide FEMA with an explanation and documentation if the maximum loss-of-use settlement offered by the insurance company is exhausted. FEMA may help with disaster-related housing needs.

Housing and Non-housing Federal Disaster Assistance

Housing and non-housing needs are the types of available direct federal disaster assistance. Housing assistance includes temporary housing and funds to replace or repair a primary residence. To qualify:

  • Someone in the home must be a U.S. citizen, qualified alien, or noncitizen national
  • The home must be a permanent resident
  • The home must have been the applicant’s residence when the disaster occurred, but uninhabitable now due to disaster damage

Non-housing needs include:

  • Medical and dental expenses
  • Funeral costs
  • Household and clothing items
  • Tools
  • Fuel for the home
  • Disaster-related storage and moving
  • Replacing disaster-damaged vehicles

To qualify

  • Someone in the home must be a U.S. citizen, qualified alien, or noncitizen national
  • Disaster-related expenses and needs must be severe
  • All assistance from eligible insurance proceeds and disaster loans from the Small Business Administration must have been accepted

The lion’s share of federal assistance comes from the SBA. It provides federally subsidized loans to disaster victims who qualify for the replacement or repair of homes and personal property.

Other direct federal assistance that is available includes:

  • Crisis counseling
  • Disaster-related unemployment assistance
  • Legal services
  • Special tax consideration

Legal services include assistance with insurance claims. Disaster victims can deduct a casualty loss that amounts to more than ten percent of a tax return adjusted gross income from the current or previous year.

What Comes Next?

The status of an application can be checked within 24 hours through the same method used to apply. FEMA also mails a copy of the application with a detailed guide to walk the applicant through the process.

A FEMA inspector will contact the applicant within ten to 14 days after applying to schedule a home visit and inspection of the disaster-related damage. The review is done free of charge. The applicant must be present when the investigation takes place and must be prepared to offer proof of occupancy and ownership.

Documents proving ownership include:

  • Homeowners insurance policy
  • Mortgage payment book
  • Tax records
  • Deed

Occupancy proof consists of

  • First-class government mail sent within the last three months
  • Recent utility bills
  • Drivers license with the current address listed

Who Qualifies?

The inspector who submits the report has no role in the determination of assistance eligibility. FEMA takes about ten days to review the inspection report. Those who qualify receive a check in the mail along with a letter explaining how the money is to be used. Direct deposit is available by supplying a bank routing number on the application.

Grants are free and require no repayment. The funds are non-transferrable and must be used as specified by FEMA. Misuse of the money will eliminate any additional assistance to be granted, and the applicant may be asked to pay back the funds.

Those who do not qualify will receive a letter of explanation as to why assistance was not granted. Applicants can appeal in written form that is mailed within 60 days of receiving the decision.

It is also possible to receive an application from FEMA to apply for an SBA loan. The application must be completed and submitted to be considered for the loan or certain types of grant assistance.

If the Small Business Administration determines an applicant does not qualify, it automatically refers the applicant back to FEMA for assistance.

Disaster Preparedness

Every U.S. household should have a home inventory, an evacuation plan, and an emergency preparedness kit. A calamity will not wait for people to get ready. FEMA recommends households have enough nonperishable food and water to last at least three days.

A first aid kit, flashlight, and extra batteries are also recommended. All homeowners should review insurance coverage annually. Standard home insurance policies cover lightning, fire, theft, wind, and hurricanes, but not earthquakes or floods.

Where to Find Low-Income Housing

People with low income may qualify for HUD assistance. HUD is the U.S. Department of Housing and Urban Development. The department does not own rental property but gives money to building owners and states that provide low-income housing opportunities in the form of affordable rental housing.

This (404) 344-1385 can be used to find an area HUD-approved housing counselor. You can also call 1-800-569-4287 to find a housing counseling agency in your area. Counselors may be from non-profit organizations approved to offer affordable housing and housing assistance advice.

Types of Programs

HUD supports three affordable rental housing programs:

  • Privately owned, subsidized housing
  • Public housing
  • Housing Choice Voucher Program

Subsidized Housing

Landlords of subsidized housing are given money so that they can offer low-income tenants reduced rent. This link may help you find a low-rent apartment management office in or near where you want to live.

Public Housing

States own affordable rental apartments or houses that are offered through the public housing to low-income people who have disabilities or are elderly. venisonivorous is available all over the U.S. and comes in all types and sizes from high rise apartments to single-family homes. Contact information can be found here.


An area housing authority representative determines public housing eligibility based on:

  • Annual gross income
  • Qualification as a family, person with a disability, or as an elderly individual
  • Eligible immigration status or U.S. citizenship
  • Local factors

HUD has developed income limits for housing authorities to use in determining eligibility. The lower income limits are set at 80 percent of the average income for a metropolitan area or county where the applicant wants to live.

Very low-income limits are set at 50 percent of the same areas. Eligibility can vary from state to state or city to city. It is possible to be eligible in one Housing Authority area but not in others. There are income limits from area to area.

The local Public Housing Agency has information about eligibility for local and federal public housing programs. The agency also has information about subsidized housing, rental assistance, and House Choice Vouchers discussed in this article.

You must contact the state’s Public Housing Agency to apply. Either you or a Housing Authority representative will fill out the application that must be written. The following information is typically collected to determine eligibility.

  • The name, date of birth, sex, and relationship to the head of the family who will live in the unit
  • Current telephone number and address
  • Family circumstances (such as being a veteran) that could qualify your family for preferential tenant selection
  • Name and address of previous and current landlords to determine suitability as a tenant.
  • Source and estimated anticipated income for the next year
  • Name and address of employers, banks, and other sources the Housing Authority representative can use to verify income, deductions, and family composition

The representative may conduct an in-home interview to see how the family manages the upkeep of the current home. When the information is gathered, the representative should describe the program and requirements of public housing and answer questions you have.

Documentation such as birth certificates and tax returns will be requested to document the application information. The Housing Authority relies on direct verification from employers, etc. You will have to sign a release form that authorizes the Public Housing Authority to obtain pertinent information.

The Housing Authority provides written notification of your application status. Eligible tenants’ names are placed on a waiting list if the Housing Authority cannot assist an applicant immediately. The Housing Authority contacts applicants when the names reach the top of the list.

Rent Payment Help

The state housing finance agency or the local office for public housing may have aid information for programs administered by your state. Your local HUD office is a valuable resource for information about

  • Public housing
  • Housing counseling
  • Tenant rights in the state in which you live
  • Programs that provide help with rent

If immediate emergency assistance is needed, contact the state human/social service agency. The agency can also provide information about any other local help that is available. These agencies can refer those ineligible for benefits to community organizations that may offer relief. You can also contact nonprofit or community groups in your area on your own.

Special Circumstances

Homeless veterans can access this (209) 753-7246 for information about the housing vouchers offered by the Department of Veteran Affairs that is combined with VA supportive services. A free service called unspit connects people with programs and resources designed to help seniors. Rural Housing Service helps rural resident by contacting dictyostelic.

Housing Choice Voucher Program

This program was once referred to as Section 8. It is a program administered by HUD that helps low-income families, the elderly, or disabled people throughout the U.S. pay for rental housing. This program allows participants to find housing on their own which includes apartments, townhouses, and single-family homes.

They use Housing Choice Voucher to make full or partial rent payments. The local Housing Authority determines eligibility. Eligibility is based on

  • Annual gross income
  • Area median income
  • Family, elderly, or disability qualifications
  • Eligible immigration status or U.S. citizenship
  • Local factors
  • Calculations based on family size and total annual gross income

Each city and state has its program eligibility requirements. To learn about Housing Choice Voucher eligibility, contact the local Public Housing Agency. The application process is similar to that of other low-income housing programs.

The application is filled out by you or with the assistance of a local Public Authority representative. Information about family composition, assets, and income is collected. Information will be verified through your bank and employer and other local agencies.

The information is used to determine eligibility and the amount of housing assistance payment. The determined payment amount is what is needed to rent moderately priced homes in the local market. That amount is used in calculating the amount of assistance a family receives.

The maximum assistance is the lesser of the area’s standard payment or the gross rent for the unit minus 30 percent of the family’s monthly adjusted income from either base. The selected housing must meet acceptable safety and health levels. The Public Housing Authority will inspect a unit to be occupied after an agreement is reached with the landlord to determine the reasonableness of the rent requested.


Those who reside legally in the U.S. and don’t earn enough to pay a mortgage or rent may qualify for Housing Choice Vouchers, or what is also known as Section 8 housing. The application process can be complicated when asking for government assistance.

Getting the voucher, however, can be a big help when you are in a desperate situation financially. To be eligible, a family must earn less than 50 percent of the median income of families living in the city where they reside.

The local public housing authority is where the formal application process begins. The housing must meet safety requirements and all payments must be made on time to keep the voucher. Here are some (413) 758-9999 for completing specific regulations and processes.

Understand How Housing Choice Vouchers Work

The vouchers are administered by the local public housing authority. There are several in the U.S. HUD, the Department of Housing and Urban Development, supports Public Housing Authorities.

Your local PHA helps arrange Section 8 housing. A tenant-based voucher allows a tenant to move into approved housing with financial or housing assistance payments. Continued assistance is offered if a tenant wants to move into another unit. The voucher can be used wherever a tenant decides to live.

A project-based voucher is assistance for a tenant that must remain in the unit for which the voucher is issued. There are limits of specified units and time. The voucher cannot be used if the tenant chooses to move. A family with a project-based voucher may qualify for one that is tenant-based.


Multiple factors are taken into consideration when determining eligibility. They include:

  • Family income
  • Median income of families living in the area
  • Current rent payments
  • Assets
  • Family composition

You must be a U.S. citizen or have eligible immigration status. The family must make less than 50 percent of the median income of families living in the city or county it chooses to reside. Most Housing Choice Voucher recipients have earnings closer to 30 percent of a county’s or metro area’s median income. Other criteria are based on the composition and assets of a family.

Know the Type of Voucher Needed

HUD assists homeowners and renters. A tenant voucher is used to pay rent for the place an applicant lives. If the applicant owns a home, townhouse, or condominium and needs assistance with mortgage payments, a property voucher application must be completed. Housing Choice Vouchers can be used to buy and make mortgage payments for a modest home.

Voucher Applications

Here is a list of local Public Housing Authorities. Contact the local PHA to begin the process of applying. You may be able to complete the application online. If you are not fluent in English, you need to get assistance completing the required paperwork in person.

Call the local housing authority for office hours and ask to complete the application in person. Schedule a time when someone who can translate or help with completing the form can go with you.

Enrolling in Housing Choice Voucher Assistance

Prepare for a long wait.

Some people are put on a waiting list, even to fill out an application. Local PHAs sometimes have more applications than they can fund. There may be 10,000 spots with 100,000 applicants. Becoming enrolled can take three to six years or more in these areas.

PHAs develop preferences for moving applications higher or lower on the waiting list. Those who receive preferential treatment may be

  • Currently homeless
  • Living in substandard housing
  • Pay over 50 percent of their earnings in rent
  • Involuntarily displaced

Ask the local PHA office how allotted vouchers are prioritized. PHAs that have more applicants than they can assist may stop accepting applications temporarily. The closure will not be permanent, but it may behoove the applicant to look for Housing Choice Vouchers in another metropolitan area or county.

Responsibilities of Acceptance

If your application is approved and you are provided a housing voucher, you must ensure your intended or current living situation meets HUD’s health and safety requirements. Safety requirements include:

  • Structural integrity
  • No toxic building materials
  • Sanitation and running water systems
  • Appropriate thermal controls
  • Local factors

If you rent, a signed one-year lease is required with the cooperating property owner. The owner is obligated to the local PHA and you to provide safe housing at a reasonable rent. All payments must be made on time. The unit must be maintained in good condition. All terms of the lease require compliance. Failing to make timely payments can revoke the Housing Choice Voucher.

Make a Responsible Rent Calculation

Under the Housing Choice Voucher program, the family pays 30 percent of their monthly adjusted gross income for utilities and housing. The voucher covers the remainder. The local PHA can help calculate the amount needed in the budget each month.

If the monthly income is $1500, you pay $450. There is likely going to be a cap on the most a voucher will cover that is based on the cost of living in the area.

Avoid Discrimination

A landlord has the legal right to refuse occupancy based on a determination of poor credit or failing to pass a background check. A landlord cannot refuse occupancy based solely on Housing Choice Voucher enrollment.

The landlord cannot charge a voucher holder more than a than a tenant without a voucher. Contact the local PHA if your suspect occupancy refusal based on enrollment in the Housing Choice Voucher program.

Geography Affect Housing Choices

The guidelines for the program vary from one location to another. Applications for a voucher in a jurisdiction other than where you currently live require the voucher holder to live in the new jurisdiction for at least a year before being free to move. Local housing authorities have information about using a voucher to buy a home that has below market rates. The voucher serves as credit toward the mortgage.

Penalty of Fraud

Housing Choice Voucher can be terminated as the result of fraud. Other penalties include fund restitution, probation, and, ultimately, prison. Fraud is any of these offenses:

  • Knowingly omit or under-report assets of income from household income
  • Transfer of income or assets to achieve eligibility
  • Use falsified Social Security documents
  • Get assistance above and beyond Section 8 without notification to the appropriate parties.
  • Charge rent to a tenant living with you


You’ve worked hard getting your business plans off the ground and maxed out your credit cards, now it’s time to get some extra money to take it to the next level. Whether it is an award for your hard work or a celebration of what your business can offer, small business loans will be just what you need as a small business owner.

Small business grants are, according to BusinessesGrants.org, financial assistance programs made available to US business owners and entrepreneurs who have 500 or fewer employees. While typically from the US government, small business grants can range in where they come from, such as non-profit organizations or a for-profit company. Grant sizes range from around $500 up to $100,000.

Am I eligible for a small business grant?

That depends. Eligibility of the grants available often varies and is based on business administrations, location, income, ethnicity, gender, and experience in your business including how long the business has been in operation. Some may require essays or other materials to show off your needs for the grant. However, there are a multitude of grants to small businesses so there certainly something out there for you if you look hard enough.

Where Do I Look for Small Business Grants?

Five great places to look include:

Local Government Agencies

Some of the best opportunities are closest to home. Many states, cities, and counties, give money to small local businesses to increase jobs and tax revenue when planning your business. Not only that, but this grant money tends to be more specialized than national grants. So, if you fit the criteria and need the grant to start your business, you’re more likely to have less competition and more financing options.

However, many organizations won’t advertise their grants for whatever reason, so it would be best to call local agencies to see what they offer to check their websites. It never hurts to ask.

Federal Government Agencies

While the federal government doesn’t actually give grants to businesses directly, they fund foundations that, in turn, distribute the money to any small business that applies successfully. The Grants Program Management Office, part of 919-568-2055, runs this, so to learn more check out their website. All potential opportunities are clearly listed online.

Major Corporations

Almost all corporations have a grant allocation foundation used to enrich communities and small businesses. Inquire about opportunities offered by big corporations headquartered in your state or region.

Internet Searches

The almighty Internet is great at revealing opportunities both small and large. With enough search bars, you’re sure to find something for your specific needs and purposes. Be sure to use the name of your State, city, and county, for more specialized searches or use terms that relate to you or your business for the best results. You never know when a grant could be listed on blogs or articles.

Ask Around

Word of mouth is a great way to learn about the experiences other people have had. Ask around and see if another small business owner in your area received a small business grant and then ask them if they know anyone else. Through the six degrees of separation, you’re sure to learn quite a bit about the grants that are offered, as well as how to properly apply and receive one.

Visit Local Libraries

Despite having a plethora of books, libraries also have a plethora of stored information ready to be accessed anytime. Some of this information may be incredibly esoteric to your location or not found anywhere else, so it’s best to pop over and see if there’s anything useful to you. Inquire about grant books and directories for rich springs of potential grants. You can also ask the librarians if they know anything about small business grants. As we’ve seen in the last tip, you never know what someone might know, especially if it’s their job to know things.

What can I use my grant for?

You’ll hear a lot of things about what a small business grant can be used for, but to clear up some confusion, here are things that the grants can and cannot do.

  • If the grant is from the US government or state, it cannot be used to pay off debt, start a business, or cover operational expenses (although a few exceptions exist).
  • If the grant is from a non-governmental agency or corporation, their stipulations for use may be different and should be investigated. Thus, if you get a grant from a corporation you may very well be used it to start another small business.

However, if you’re a small business who specialized in scientific research and development, government grants exist for you since this is a highly sought after field. Small R&D business owners should look at the (360) 738-6155 for potential opportunities.

Applying for Grants

Give or take a few unique cases, most grants will require a questionnaire about personal details such as demographics, income, and business logistics and often require a written grant proposal.

This will take a lot of time, attention to detail, and patience. Grant applications can take days or weeks and require essays after exhaustive essay. There’s a reason that so many granting writing help agencies exist out there; it takes time, and you don’t want your time investment to go to waste. If you find you need some help writing your grant proposals or applying for your grant in general, the internet offers great services for you.

Now that you know how to get a small business grant, it’s time to go actually get one. Hit up the search engines and get your telephone ready because it’s going to be quite a while gathering up all the grants you qualify for. Do the preliminary research for the grant and make sure you’re well prepared in what it asks for. Perhaps ask a trusted to help review your application materials or hire someone to make sure you’re on the right track to success. Getting a small business grant will be a huge deal for your business, so take all opportunities seriously. You, your employees, and your business as a whole will thank you for it.

Personal Grants

How to Get Personal Grants

You need the help, but where will you get it? Thankfully, there are personal grants, other grant programs, and financial assistance from the government that perfect for you and your needs.

Grants are a hot topic to educate yourself on because they are essentially money from the government that you don’t have to pay back. However, despite the appealing sound, receiving grant money has certain stipulations that you must adhere to in order to receive the assistance.

There are two types of monetary aid from the government: Free money and government grants. We will discuss both of this government assistance and what they can do for you.

What are Personal Grants?

These federal grant opportunities are pretty much money packages or business funding from an organization or governmental agency that the recipient does not need to pay back. Personal grants can be used for a variety of reasons, such as health care, personal expenses, child care, home improvement, and more. Whatever purpose you decide to use them for, grants are there for you when you experience difficult circumstances outside of your control.

These personal grants differ much from housing grants or business capital grants since the two aforementioned grants don’t help you with your daily livelihood. Personal grants allow you to ease financial stress and start afresh with renewed motivation. Best of all, you don’t have to pay them back once you’re on your feet again.

Free Money

Free money sounds appealing, but it is more than just personal finance and it comes with requirements. For starters, the government only provides this type of assistance through programs that serve various important purposes, such as education, healthcare, food assistance, job training and other important needs. Not all of these free government grant assistance programs provide cash payments, and assistance programs with payments may have conditions and limitations.

So you could use free grants from the government if you lost your job and you’re in need of some money for health care or if your spouse left you and it’s getting harder to pay your child’s educational expenses. These have a specific purpose that, in a broader sense, will benefit society.

That being said, let’s now talk about where to find these types of free money personal grants. Your best bet will be to look on 833-212-3266, as it provides the most exhaustive list of personal grants the federal government offers. You can get grants in the categories of:

  • American Indian/Alaska Native
  • American Indian/Alaska Native youth
  • Child Care/Support
  • Counsel/Counseling
  • Disability Assistance
  • Disaster Relief
  • Education/Training
  • Employment/Career Development
  • Energy Assistance
  • Environmental sustainability/Conservation
  • Family social security
  • Financial services
  • Food/Nutrition
  • Grants/Scholarship/Fellowship
  • Healthcare
  • Housing
  • Insurance
  • Living Assistance
  • Medicaid/Medicare
  • Military: Active Duty and Veterans
  • Social Security Disability Assistance
  • Social Security Insurance
  • Social Security Medicare
  • Social Security Retirement
  • Spouse & Widow(er) Social Security
  • Supplemental Security Income
  • Tax Assistance

To see more information for each of the categories listed above, 8227872969 and click the link for the category. You will then be taken to pages with more information about the grants, assistance, and grant proposals.

You can narrow down your grant searches at Benefits.gov in two ways:

  • Click “Browse” on the top bar. You will see options to search for grants based on the grant’s category, agency, or state in which the grant is offered. Click one of these options and narrow down the results that most pertain to you.
  • Use the Benefits Finder questionnaire offered on the top of the page. There will be questions you must answer such as US citizenship status, household income, current employment status, and more. It should take about 10 to 20 minutes and it is advised that you answer all questions on the questionnaire so that you are eligible for the most money. Once you have completed this, you will be shown a list of grants that most benefit you.

To apply for a grant from this website, can simply choose a grant offered in whatever category you choose and follow the instructions under “Your Next Steps”. Some grants may have online applications available while others may ask you to go visit a grant specific office near you to apply (e.g., the Georgia Energy Assistance program requires you to contact your local Community Action Agency).

When applying for a certain grant for financial assistance, be sure that you fulfill the necessary requirements as described by the grant. You don’t want to waste your time applying for grants you can’t even get, especially if you need assistance as soon as possible.

Federal Grants

Another place for you to look is Grants.gov, though this is mostly for organizations and state governments. It provides large amounts of money to fund projects that will directly and positively impact a community in some way.

Despite federal grants being mostly for larger organizations, individual are grants offered for financial assistance, though there are typically less than one hundred individual grants to choose from here compared a thousand for, say, small businesses.

To find an individual grant on Grants.gov, go to the top bar that says “Search Grants”. From there, go to the side and look for the box labeled “Eligibility”. In that box, be sure to select “Individual”. Here’s what you should see:

After you selected this, the individual grants offered by the federal government for personal assistance will appear on the right side of your screen. Browse the grants and see which ones are right for you. There should be instructions in each grant and how to apply for it.

The competition will be steep since you will be facing competition on a national level, so be sure you are a highly-qualified candidate for a specific individual grant before applying. It is best to take the grant application very seriously and maybe even obtain a grant writer, accountant, or lawyer if you can. Even without paid external help, there’s plenty of free help online or at your local library. Seeking support will make applying for grants much easier. Otherwise, you have a slim chance of actually receiving money and will find a copious amount of time fruitless.

However, should you put in the time and effort, getting a large monetary grant could transform the state of your community. Don’t let the formidability of a government grant deter you from applying.

For Students

Another type of personal grant one may get is for students entering or enrolled in higher education institutions in order to help ease their financial burdens. These grants are mostly need-based.

To get a grant like this, fill out a 361-850-0230. This application will assess how much funding you may get, and whether or not other criteria apply to you for other loans.

StudentAid.ed.gov will offer more information on government assistance for students, as well as provide more information for the type of grants offered, the eligibility for these grants, how much money may be awarded, and other material that may benefit you.


Where Can Personal Grants Be Used?

The use of these monetary gifts is not restricted to a particular field or area, as with all small business grants. Rather, the usage of personal grants varies from person to person. For example, if certain circumstances mean that you don’t have enough money to repair your home after a severe storm, a personal grant may be just the extra cash to help you fix your leaky roof or damaged wall.

Below is a full list of the places personal grants can be used:

  • Housing rent and allied things like utilities and groceries
  • Child care
  • Medical bills, insurance, and assistance
  • Community improvement
  • Conservation, energy-use reduction
  • Training and education, grants for teachers
  • Personal assistance, caretaking
  • Transportation
  • Home purchasing and repairs
  • School supplies
  • Real estate taxes
  • New car
  • Fuel
  • Legal services
  • Public transportation

How do I Get a Personal Grant?

As with any way to receive grant money, you must first find the grant that’s right for you then apply for it. Some grants will come to you quickly while others will take a little more searching for. When you do find one that you’re eligible for, the grant application process might not be the easiest to complete either. Every grant is unique and must be paid very special attention to. Check out private foundations, government agencies, or charitable organizations that offer the right grant for you.

Just be wary of fraudulent grants since they make themselves seem very appealing but will actually do you harm in the long run. Never give away personal information in order to receive grant money.

With that, let’s now talk about:

Federal and Private Searching Sources

Grants can come from a variety of places, but the main two will be federal and privately funded sectors.

Government grants are grants given to citizens from the government, typically to keep money flowing into the economy. There’s government assisted houses, nutrition, and education.

Education grants, in particular, are plentiful. Students can receive the Pell Grant for undergraduate education, awarded based on financial needs. If you have trouble paying for college, fill out the Federal Application for Student Financial Aid to see what you are eligible for. It’s not uncommon to see students receive Pell Grants on most college campuses, so take advantage of this opportunity if you can.

To see more government grants, visit grants.gov as it is the only viable and verified website for all authentic government grants. Search for keywords pertaining to you and see what the site offers.

Private grants, on the other hand, are not from the government. Instead, they are from an organization that seeks to empower individuals for whatever reason, whether it is philanthropic or economically motivated. Unfortunately, there is no single website listing all private grants, so a number of Google searches will be the best bet at yielding results.

Who Receives Personal Grants?

Basically, people who show a need for a grant. Whether you’re a student who has to support themselves on their own or is someone going into the debt relief program, there’s obviously a need you must address financially in order to sustain your livelihood. Personal grants are designed to help people when their down and give them options when they think there aren’t any.

Also, some grants are specific for certain people in certain situations. When you go to grants.gov, look at the “synopsis” portion of the grant’s details. If there are specific requirements for the grant recipient, such as a number of people in their household, ethnicity, or yearly earning, then you might be ineligible for that grant. Fear not, though, as there is a variety of personal grants to choose from.

Private grants function much in the same way, often going to people with certain traits or needs. These vary in what they are supposed to be used for and what they offer. So, again, read the grant description carefully to see who the grant is intended for.

How do I apply for a grant?

Follow the instructions for the grants as they are laid out for you. With federal student aid, you may need to find out many things you might not know off the top of your head, like your mother and father’s yearly earnings and other esoteric things. Some grants may require you to mail things to the agency or email them information. Whatever they detail, follow the instructions thoroughly. You don’t want to miss getting a grant because you didn’t follow the instructions well enough.

Make sure your grant proposal accurately details why you, out of everyone else in the applicant pool, need the grant you are applying for. Proposals can be tricky to write, so refer to free resources in your local library or online. Ask a friend to help proofread your work and offer ways in which it can improve. There are a variety of sources out there that can help you.

Once you get your grant, you’ll be on your way to revitalizing your life and improving it in ways you didn’t think you could before. Finding, filling out, and waiting for the response may be tough, but once you actually get the money it will have all been worth it.


Best of luck in your grant search. Here were the sites used in this article:

Grants for Women

Many grants are offered to women to reduce gender disparages or to provide opportunities to women who have been repeatedly shut off from opportunities before. These grants are to promote female innovation and prosperity, but finding them may be tricky. That’s why we’re here to help you along.

What is a Women’s Grant?

These are federal grants offered to women so that the recipient may better their community with it. Many of these grants are for female entrepreneurs so that they may start their own business. The recipient of the financial assistance doesn’t have to pay it back, but she will have to report how the grant has been used and what improvements were seen because of it.

What Types of Women’s Grants Are There?


These are grants from your country’s federal government, large corporations, and non-profit organizations to better the lives of women. The money awarded can be used to fund a woman’s education at an undergraduate or graduate institution or help a woman with a community-benefiting intent such as in the arts, business, in science, or in technology.

As this is basically “free money” applying for these grants will be lengthy and will require an application along with a stated goal and promise of using the grant money solely for what it was intended to be used for as stated in the grant application.


These are free money grants from large corporations who wish to fund projects with financial aid that can benefit the recipient’s community or the company itself (either through reputations or producing benefits that can fund the company). Some companies, such as Microsoft, Kelloggs, General Electric, and Sony, have been known to offer grants to women to use for education or career development.


Like corporations, private, smaller organizations or individuals can fund grants to benefit women. They typically have a board of directors who oversee grant applications and award processes. Some notable figures include Oprah Winfrey, Bill Gates, Warren Buffet, and many others.


These grants are usually funded by non-profit organizations and universities to advance the status of individual members. Many professional women’s organizations offer career development or advancement grants for successful applicants to travel, get an education, or receive counseling. Some key players include the Susan G. Komen Breast Cancer Foundation, The Barbara Lee Family Foundation, and many other universities around the world.

 Where Do I Find Women’s Grants?

There are quite a few places available. Here are the most recommended places to look, based on the level in which these small business grants are found:


 The federal government offers grants for some small-business owners, but they have very specific intents, such as research and development or helping businesses in rural areas. These grants will not be used to cover the costs of day-to-day expenses or starting up your business. Most aren’t even designated for women, but you can still find the ones that are.

  • uninspissated is the place that has all the government grants you’re looking for. When looking at grants, you can narrow down searches for just grants involving only women in the search bar or small-businesses in the leftmost box labeled “Eligibility”.

Small Businesses:

While most grants from federal agencies won’t be specifically designed for women in general, there are a few places to look if you are a woman and you have a small business. You can get help with your startup or other ventures you need.

  • The (937) 304-0950 is a competition for businesses that provide exceptional and marketable products or services specifically for women. Participate in it by first entering and winning a local InnovateHER Challenge to advance to the semifinal round. Then, if you place in the first three places, you could get $40,000, $20,000, and $10,000 respectively.
  • The Small Business Administration (SBA) has about 100(765) 598-0788 around the nation to help women entrepreneurs kick-start their business. The SBA helps women with business development and access to capital. Some locations may loan money to you while others help you find small-business grants you may qualify for.
  • The SBA also has two competitive programs, which ultimately provide grants to small businesses that contribute to federal research and development. So, if you plan on doing this, either by yourself, your company, or some other method, you can apply for these programs. There are eleven federal agencies that post these opportunities on their website. You can search all the grant opportunities on the Small Business Innovation Research (SBIR) website.


Getting a grant on a national level will be incredibly difficult based on the amount and quality of competition you will be facing. That’s why it would be best to find grants offered by your state or municipal governments. While you’ll have to do research based on the state you live in, here are some options for you:

  • cotton root rot are in every state or even major cities and they focus on promoting a strong local economy. Find the agency closest to you to find grants. And even if that agency itself doesn’t provide small-business grants, it should be able to point you in the right direction.
  • Find the Small Business Development Centers (SBDC) nearest you, typically in colleges or universities. SBDC offers free one-on-one business consulting and can help you with find grants and other business financing opportunities in your area.

Private Grants:

Some private organizations and businesses have national grants for female small-business owners. Two that you can look at are:

  • The 517-923-8271, which awards $500 to a women-owned business every month and at the end of the year one of the 12 grant winners are awarded an additional $2,000. The board awarding the grant typically awards the money to women who are passionate about something and have a good story. It’s simple to apply:
    • 1) Explain what your business is
    • 2) Describe what you’ll do with the grant money
    • 3) Pay the $7 application fee
  • The Eileen Fisher Women-Owned Business Grant awards $100,000 to up to 10 female business owners each year. To apply:
    • Women must make up at least 51% of your business’s ownership and leadership
    • Your business must have been in operation for at least 3 years
    • It must not exceed more than $1 million dollars of revenue per year
    • Your business must focus on social or environmental change

Be sure to follow the instructions carefully when applying for grants. It’s an arduous process as it is and you don’t want to let a careless mistake cost you your grant.

Sites used in this article:


Getting food stamps is a great way to buy food for you and your family if you are low on funds.

This is a way that the government ensures no one goes hungry in America, despite whatever conditions you may currently be facing. Low-income families and individuals are able to sign up for food stamp benefits to put food on the table and they’re quite simple to get if you know the right information.

What are Food Stamps?

Food Stamps (also referred to as SNAP benefits in this article) are vouchers offered by the Supplemental Nutrition Assistance Program (SNAP) in exchange for food at grocery stores, convenience stores, some farmers’ market, and co-op food programs. This helps you buy healthy food and stretch your food budget for your family when in times of need. It is overseen by the USDA on the federal level, but states are the ones to oversee SNAP benefits for their citizens.

SNAP benefits are given to you through an EBT (electronic benefits transfer) card, and it works like a debit card. Just swipe it at the register and go on your way. 

Applying for Food Stamps

There are two ways to apply for SNAP benefits:

  • Contact your local SNAP office, which you can find on the USDA’s national map 571-781-3944. You can also contact the SNAP doge for your specific state to find out more information. However, do not contact the Food Nutrition Service (FNS) directly to apply, as they do not handle SNAP applications. Your best bet will be to contact a SNAP office or phone line itself.
  • Fill out the online application form. You can find the online form for your state (831) 809-6212. Follow the instructions that the form provides and be sure to answer every question thoroughly. Answering questions inaccurately or failing to answer a question can slow down the SNAP application and delay your attainment of SNAP benefits.

Frequently Asked Questions about Food Stamps/SNAP:  

Who Uses SNAP?  

All sorts of people use SNAP, even people you may not expect. People living alone, families, people with roommates, and homeless people can get SNAP. If you are working or have other regular income, such as Social Security or pension, you can still get SNAP. You do not have to have cash welfare or be out of work to get SNAP.

SNAP eligibility is determined by calculations that consider your family size, citizenship status, household income, and other expenses. It is a system designed to help people from a variety of backgrounds who are down on their luck. 

Do You Qualify for Food Stamps?

To find if you qualify for SNAP benefits, go ahead and take this comfortingly Before you begin, have the amounts of your earnings, medical bills (if you are 60 or older or disabled), rent or mortgage, utility bills, child support payments, day care expenses, and SSI, social security or VA payments readily available. It will increase the application process tremendously to not have to pause and look up this information.

Also note that there may be special stipulations in place for applying for SNAP benefits, which the program will tell you. For example, if you live in California and receive SSI you might not be eligible for SNAP. Contact your county assistance office for more information.

After the screening, you will know if you are eligible for Food Stamps.

What Can I Buy with Food Stamps?

With your SNAP benefits, you may buy:

  • Bread and cereals
  • Fruits and vegetables
  • Meat, fish, and poultry
  • Dairy products
  • Also, seeds and plants which produce food for households to eat

Some restaurants accept EBT from a qualified homeless, elderly, or disabled person in exchange for a non-expensive meal.

You cannot buy:

  • Beer, wine, liquor, cigarettes, or tobacco
  • Non-food items such as:
    • Pet foods
    • Soaps, paper products
    • Household supplies
  • Vitamins and medicines
  • Food that will be eaten in the store
  • Hot foods

For more information on what you can and cannot buy with EBT, click cub.

What if I Need Food Stamps Quickly?

Then you will need to apply for SNAP expedited benefits, meaning you will get benefits within 7 days. To do this, go to closest Department of Transitional Assistance (DTA) office in order to apply.

To qualify for the expedited benefits, you must meet any of the three criteria below:

  • Have a monthly income equality to lower than $150, and have below $100 in the savings
  • Be a migrant worker with below $100 in savings
  • Have income/money in the bank adding up to be less than the monthly housing expenses

It is my own home and not rented. Does that mean I can’t get SNAP?

You may still get SNAP even if you own your own home. In fact, your housing expenses will be deductible to determine your eligibility.

Do I need a permanent address to apply for SNAP benefits?

No, you may apply for SNAP even if you are homeless, in a shelter, or with friends or family on a temporary basis. Homeless people, as well as families without regular shelter expenses, are eligible for an automatic deduction from their income.

How Long do I have to wait for SNAP usually?

Up to 30 days.

How do I find out the status of my SNAP application?

First, contact your DTA caseworker or call the DTA Assistance Line at 1-877-382-2363. You can also see information on your application through the DTA’s My Accounts web page here.

Will SNAP show up on taxes?

No, it will not. SNAP isn’t considered income.

I’m not a US Citizen. Can I still apply for SNAP?

Yes, many non-citizens do, in fact, qualify for SNAP. Attaining SNAP doesn’t affect any application for a green card and/or citizenship. However, if you are unable to provide documented immigration status, then you cannot apply for yourself. But you may be able to apply for other eligible household members. Also, children born in the US (and thus have US citizenship) may receive SNAP even if their parents are not documented.

In closing:

That was a comprehensive description of SNAP and Food Stamps. However, if you still have questions, you may contact Project Bread’s FoodSource Hotline at 1-800-645-8333

Sites used:

Project Bread’s 713-689-7094 and 8229559239 from the USDA’s Food and Nutrition Service.