HUD – Low Income Housing

What is HUD?

HUD stands for, housing and urban development, which is the government entity that gives funding to housing authorities. What is referred to as a HUD application, is really an application for section 8 or public housing.

Low income housing application

Public housing was established to provide decent and safe rental housing for eligible low-income families. Public housing comes in all sizes and types, from scattered single family houses to highrise apartments for elderly families.

Public housing is obtained by completing a low income housing application at your local housing authority, which is limited to low-income families and individuals and eligibility is based on annual gross income and U.S. citizenship or eligible immigration status. If you are eligible, a public housing agency will check your references to make sure you and your family will be good tenants. Any applicant whose habits and practices may be expected to have a detrimental effect on other tenants or on the project’s environment will be denied.

The Department of Housing and Urban Development, HUD, offers two types of subsidized housing to eligible low-income residents, the elderly and the disabled. The Housing Choice Vouchers program, HCV, also known as Section 8. Applicants can now apply for section 8 online. This program provides renters with a subsidy they can use to secure housing in the private rental market. Public housing comprises government-funded-and-constructed units ranging from single-family homes to multi-unit dwellings. In both cases, you must meet similar eligibility requirements to qualify.

Applicants should decide if the rent subsidy offered through the HCV program or the reduced rent in a public housing project appeals to them. A HUD application online is really for section 8. This program requires the PHA to place you on a waiting list due to high demand for HCVs and public housing. The Housing Choice Voucher Program waiting list usually has a waiting list of 2 years or longer. In California for example, some housing authorities have over 45,000 households on their waiting lists, resulting in an eight to nine year wait. In San Francisco, both the Housing Choice Voucher Program and public housing waitlists are closed. The SFHA does not anticipate them reopening in the near future, as of June 2010. In some cases, you might need to move to an area with less demand to qualify.

When preparing to complete a HUD application online, which is really for section 8, be ready to verify your income. Eligibility is based primarily on how much money you make in relation to your area’s median income. If you live in an affluent city, such as San Francisco, the income limits are higher than they are in places with lower median incomes. Generally, to qualify for the HCV program you cannot make more than 50 percent of your area’s median. For public housing, your income cannot surpass 80 percent of the median. In both cases, preference is given to the homeless, persons living in substandard housing and households that spend more than half of their income on rent.