FIND and APPLY for Federal Grants. The U.S. Department of Health and Human Services is proud to be the managing partner for, an initiative that is having an unparalleled impact on the grant community.

Home Property Grants and Loans

Government grants in the United States offer a helping hand to needy citizens in various cases. Home repair grants are aids that are provided to homeowners in case their homes have been damaged due to some natural calamity, or in cases where they need funds for renovating the property. These grants are valuable for those individuals who don't have large funds for repairing or improving their homes. Since these government grants are not required to be paid back, they can be used by citizens in times of need. The US Department of Housing and Urban development and FEMA (Federal Emergency Management Agency) caters to various needs of homeowners for providing them with benefits of home improvement or home renovation grants.The process of improving a real estate usually tends to be very expensive. Though this process is expensive, sometimes it is extremely essential for maintenance. First time home buying grants and home improvement grants and loans are financial aids extended to people to buy a new house for them or to renovate their personal real estate, like their homes, farms,and beach houses.....

Government Grants for First-time Home Buyers

A home is not just an investment but a personal joy and a stronghold that brings a sense of security to you and your family. Buying a home remains a dream for many, who fail to gather enough finances for the same. In these times of economic uncertainty, it has become even more imperative that one saves as much as possible in the purchase process.

Taking out a mortgage for the purchase of your first home can be a daunting challenge due to the high down payment involved and also the taxing interest rates. This is one problem where a government grant can help you out. There are various types of government grants for home buyers. This includes the American Dream Down payment Initiative, which was introduced in 2003. Apart from the grant programs of the U.S. Department of Housing and Urban Development (HUD), you may also apply for programs initiated by the states, local authorities and organizations to help home buyers in their territory.

Quick Facts About Government Grants

There are various types of grants which can help people looking to purchase their new home. Though most programs have been developed by HUD, the department does not allot these grants directly.The following are some basic facts about government grants for first time home buyers.

1. To begin with, one has to know that these grants are not loans, but government assistance for the development of the community in general.

2. No such grant program will provide you with 100% finance assistance for buying a house. In other words, none of these programs will offer you 100% cost of the house. In fact, most of these first time home buyer grants cover only less than 10% of the cost of the house.

3. Another important point to note is that these grants will only be available to those buyers who are eligible for a mortgage.

4. It is mandatory to attend the HUD-approved housing counseling class, so as to qualify for grants offered by these programs.

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Thursday, 26 July 2012

Home Improvement Grants For Low Income Seniors in Northern California

Home Improvement Grants For Low Income Seniors in Northern California

There are several cities in Northern California that offer low-income seniors help to make their homes more accessible. These grants and low-cost loan programs help seniors make their homes wheelchair and other handicap accessible. You must meet the program's income limit requirements to qualify for help. These limits are based on the U.S. Department of Housing and Urban Development's (HUD)income limit levels for every county across the country.
Yuba County CDBG Program
The Yuba County Community Development Block Grant Program helps low-income households make their homes more accessible. Seniors qualify for assistance through this program if they meet certain income limit levels. The home must also be located within Linda or Olivehurst for the homeowner to qualify for help. There is no application fee and the loan or escrow fees are covered in the loan amount. Seniors can also have their loan payment deferred until the sale of their home. This program is only for homeowners who need to make improvements to their home.
City of Oakland Owner Occupant Rehabilitation Program
The city of Oakland provides grants of up to $15,000 to low-income homeowners to make  improvements  to their homes, and $24,000 is provided for families that need to lift their home. Seniors with incomes at or below 80 percent of Oakland's median income are eligible to apply for a grant, and the home must be located in Oakland. The senior must also agree to live in the home as his primary place of residence to receive the grant award.
City of Modesto Home Repair and Disabled Access Program
The city of Modesto offers low-interest deferred loans to help homeowners make their home more accessible. Seniors with income at or below 50 percent of the area's median income level can apply for a 3 percent loan to install ramps, handrails, lower counter tops or widen doorways. No repayment is required on the loan for 20 years unless the home is sold or is no longer maintained as the homeowner's primary place of residence. The homeowner must legally hold title to the property to apply for help.
San Francisco Mayor's Office of Housing CalHOME Rehab Loan
The city of San Francisco and the California Department of Housing and Community Development work together to provide low-income families help to make their homes more accessible. Seniors with income at or below 80 percent of the area's median income can apply for a low-interest deferred loan. If you are living off the interest earned from a retirement account, this income must be counted to determine your eligibility for the CalHOME Loan. Payment is due in full in 30 years or when the home is sold, transferred or no longer occupied by the owner.

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