Finding affordable housing can be tough, but HUD (U.S. Department of Housing and Urban Development) offers programs to help low-income individuals and families. Here’s a brief guide on how to apply for HUD housing:
1. Check Your Eligibility
To qualify for HUD housing, your income generally must be at or below 50% of the median income in your area. Eligibility also considers your household size, citizenship status, and background checks.
2. Locate Your Local Public Housing Agency (PHA)
HUD programs are managed by local Public Housing Agencies (PHAs). These agencies handle applications for public housing, Section 8 vouchers, and other HUD programs in your area. For Kansas City MO you can contact HAKC (Housing Authority of Kansas City)
3. Choose the Right Program
HUD offers several housing assistance programs:
- VASH (Veterans Affairs Supportive Housing)
- Section 202 Housing (Seniors in Need of Supportive Services)
- HCV (Housing Choice Voucher): Seniors and Homeless
- EHV (Emergency Housing Voucher) Domestic Violence, Sexual Assault, Human Trafficking and Homeless
- FUP (Family Unification Program)
- PSH (Hosing model designed for individuals experiencing chronic homelessness, especially those with disabilities or mental health issues
4. Submit Your Application
Provide necessary documents, such as identification, proof of income, and details about your family size. Applications may be submitted online, by mail, or in person through your local PHA.
5. Wait for Approval
Many HUD programs have long waiting lists, so apply early. After approval, you’ll receive either a housing offer (public housing) or a voucher (Section 8) to find a private rental.