Low income housing for seniors and the elderly is a very important part of welfare in the U.S. and the government recognises this. As such, the government has launched a series of programs designed to help the elderly and the disabled in obtaining, keeping or managing their housing. There are also additional programs that are designed to assist these people while they are living in their own homes. Housing can be hard to manage on a small (or absent) income and if you need support then read on to find out how what you can apply for and what you need to be eligible for each program.
About the HUD Low Income Housing Programs for Old-Age Persons
The Department of Housing and Urban Development, or HUD, has come up with a number of support programs that are open to old-age and U.S. citizens with affordable housing solutions. You should apply for the program(s) that are best suited to your level of income and current situation. Applying for the most appropriate program first thing can save you a lot of waiting time later.
The Different Programs Available
With that in mind the two different types of programs that you can enter into as a senior or disabled person; self-owned accommodation support and rented accommodation support.
Self-Owned Accommodation – Owning your own home is a great situation to be in but it the act of ownership does not cover expenses in itself. As such the HUD is offering a special mortgage program known as the Home Equity Conversion Mortgage, or HECM. The HECM uses the equity of your home to provide you with an income loan to cover your expenses and costs of living. This is a great option for if you own property but have a low level of income. If you are looking to buy a home on low income then you can also take advantage of the HUD’s rural property loans program. These loans are designed to encourage people to move into rural areas and if you are looking for a peaceful retirement in the countryside then this is a great option.
Rented Accommodation – If you do not own your own home or if you cannot afford to buy one then there are a number of rental options available to the elderly or disabled. The first option is a simple rent assistance program that will help you pay a portion of your rental costs in certain housing types. The second option is moving into a government-supported assisted living facility which is a great option if you have trouble living on your own. The final option is moving into public housing which is accommodation provided by the HUD for a very affordable monthly rent.
In order to be eligible for any of these programs you must be older than 67 and considered low income in relation to the average income of your area. The age requirement can be waived in the situation where the applying person is disabled and cannot work.
Methods of Application
There is a list of contact methods available on the HUD’s website [http://portal.hud.gov/hudportal/HUD?src=/contact] that includes phone numbers, emails and fax details. Contacting the HUD directly in this way is the best way to apply and will have the shortest amount of waiting time. However, there is the drawback that you will need to know exactly what you are applying for. If you are still unsure then going into a government office or talking to a welfare advisor can give you a way to apply for a program whilst also getting some advice. An important thing to remember, however, is to take in all of your relevant welfare and financial information when applying as this will greatly reduce waiting times.
Other Types of Support for Elderly Citizens
If you need further help in your day-to-day life there are other help programs also available through the HUD. The primary one is ‘meals on wheels’ or food delivery services which are greta for people who have trouble preparing their own food. There are also repairs and maintenance support programs where you can have someone come out to help with general maintenance for a small cost. All of these additional programs are great for people that have applied for low income housing for seniors and the elderly.