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.

Free Home Repair 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 home owners 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 or repair grants,HUD grants for single mother and disabled veterans,window replacement 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 and loans 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. It is mandatory to attend the HUD-approved housing counselling class, so as to qualify for grants offered by these programs.

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Friday, 10 August 2012

Home Repair Grants For Disabled Veterans-Free Money For Home Improvement

Home Repair Grants For Disabled Veterans-Free Money For Home Improvement

The Veterans Administration has two grant programs for home repair funding for qualifying veterans with disabilities. The Specially Adapted Housing Grant and the Home Improvements and Structural Assistance program are offered through the U.S. Department of Veterans Affairs to help disabled veterans to remain in their homes.
The Grants
The Specially Adapted Housing Grant (SAH) provides up to $50,000 to veterans injured in service so they can create a home that is fully accessible. The Home Improvements and Structural Assistance (HISA) program offers home improvement and modification grants of $1,200 to $4,100 for veterans with service-related and non-service-related disabilities.
The home repair grant funding is offered by the U.S. Department of Veterans Affairs to help disabled veterans live in the community of their choice, in the home of their choice. SAH has helped qualifying disabled veterans modify an existing home or build a new accessible home. HISA offers additional assistance. The primary function of these programs is to allow disabled vets to live as independently as possible.
Who Qualifies?
The Specially Adapted Housing Grant is available for veterans who were disabled permanently and totally as a result of activities during wartime service (100 percent service-related disability). The majority of veterans who qualify are confined to a wheelchair and require modifications to existing house plans for wheelchair access.
The Home Improvements and Structural Assistance program is open to a wider range of veterans and includes those veterans who are disabled as a result of non-service-related conditions. According to the Department of Veterans Affairs HISA program handbook, veterans can receive a $4,100 lifetime benefit for:
"(a) Service connected condition.
(b) Non-service connected condition of a veteran rated 50 percent or more service connected.
(c) Non-service connected condition of a veteran in receipt of 38 U.S.C. Section 1151 benefits.
and a $1,200 lifetime HISA benefit when necessary for treatment of a non-service connected condition of veterans who are:
(a) Rated less than 50 percent service connected.
(b) Discharged or released from active duty for a disability incurred or aggravated in the line
of duty.
(c) Former Prisoners of War, veterans of the Mexican Border period or World War I.
(d) Unable to defray the expenses of necessary care as determined under 38 U.S.C. Section 1722 (a), i.e., veterans who qualify through "means testing," as determined via Medical Care Cost Fund (MCCF).
(e) Eligible for benefits under 38 U.S.C. Section 1710(a)(2)(F) and (e), due to exposure to a toxic substance, radiation, or an environmental hazard."
Under SAH terms, it must be medically feasible for the disabled veteran to live in the home for which the grant would be used. A change in the program in 2008 allows veterans to use this benefit up to three times. Previous guidelines restricted the grant to one time per veteran.
The HISA program does not cover major modifications that are generally covered by the SAH grant program. For instance, handrails installed in showers are covered under HISA, while widening a bathroom doorway is not. The qualifying veteran must have a prescription for the home modification from a physician to qualify for grant funding.
Receiving grant money through the HISA and SAH programs is not difficult and does not require paid assistance. Some companies offer "grant assistance" for a fee to help disabled veterans to apply for Department of Veterans Affairs home repair grant funding, but these fees are never necessary. Refer to the Specially Adapted Housing Fact Sheet and the Home Improvements and Structural Assistance Program links in this article's References for details on how to apply for free.

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