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Article: FAQ: Housing

Housing FAQ

Housing FAQ

Should I buy or rent?
Where can I get financial assistance?
What is Section 8 (Housing Choice Vouchers) and how do I apply?
I think I am being discriminated against, where can I go for help?
Where can I get information about finding an accessible home?
Am I eligible for low-income housing?
Can a person with a disability own a home?
What is Assisted Living?

Should I buy or rent?

Buying a house or condominium is a very real option for many people. Individuals with disabilities who are interested in owning their own home should investigate this option. There are many state and federal programs that will assist you in making a down payment or finding an affordable mortgage.

Compare the financial benefits of renting or buying at this site: http://myhome.freddiemac.com/buy/rent-vs-buy.html

Where can I get financial assistance?

Ginnie Mae is a government program with the mission of making homes affordable. They also offer several loan programs. You can find valuable information on financing a home at the following site: www.buying-a-home-info.com/

What is Section 8 (Housing Choice Vouchers) and how do I apply?

Section 8 or Housing Choice Vouchers include several different programs that provide housing assistance. Your monthly or annual income determines your eligibility. Generally, Section 8 programs target families and individuals whose annual income is less than 50 percent of the median income. The larger your family, the higher the income you are allowed to have and still be eligible for services. For more information, see: www.hud.gov/offices/pih/programs/hcv/semap/index.cfm.

I think I am being discriminated against, where can I go for help?

If you have experienced discrimination while trying to find a place to live, you may have legal options. The federal government will usually require that you try to resolve the issue with your state and local offices first. To submit a formal complaint to the Federal Department of Housing and Urban Development (HUD) go to: portalapps.hud.gov/AdaptivePages/HUD/welcome.htm.

Where can I get information about finding an accessible home?

Accessible housing covers a wide range of home adaptations. They include ramps, lifts, and other assistive technology. Some newer homes are built to be accessible. There are also many products designed to make your home more accessible.Check out the Easter Seals website to learn more about accessible housing, including loans and grants to help pay for modifications.

Am I eligible for low-income housing?

You might be. According to federal assistance guidelines, an affordable home is one that costs no more than 30 percent of the money you earn each month. For people with low income, finding affordable housing can be challenging. There are now many federal programs to support affordable housing, including special programs for people with low-income, people over age 55, first-time home buyers and people with disabilities. The federal government does not run these programs; rather, each state receives money to help provide affordable housing. Each state also contributes money along with private donations from investors. For more information on these programs, visit www.hud.gov/program_offices/comm_planning/affordablehousing/

Can a person with a disability own a home?

Yes. Residential options for persons with disabilities vary from home ownership and renting to living in a specialized residential facility. Options that provide the most independence without sacrificing safety are always best.

Modifications to a home can make the difference between one that does not meet a person's needs to one that provides complete independence. Small modifications may not cost very much. However, major modifications may require you to get a loan. Several federal programs can help you finance these modifications. For program details, visit www.hud.gov/program_offices/fair_housing_equal_opp/disabilities

What is Assisted Living?

Assisted Living is a facility where residents live in their own room or apartment within a building. Residents have some or all of their meals together along with social and recreational activities. Some assisted living residences have health services on site.

Last Updated on 12/26/2017