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How can I apply for HUD?

The first thing that new applicants have to understand is how the program works. It’s not HUD that one applies for, it is either the Section 8 Housing Choice Voucher Program or Public Housing. The problem is finding a section 8 application online. PHA’s have to keep their waiting lists closed due to the overwhelming number of applicants. There just simply are not enough vouchers that can be produced to satisfy the demand for low income housing.

Familiarize yourself with HUD’s programs. There is no one-size-fits all HUD housing. Rather, there are a variety of assistance programs (private market rentals, home-buying assistance) and types of housing (single-family homes, high-rise apartments), some of which may be better suited to you/your family and your particular situation. Among the numerous options are the following programs:

Housing Choice Voucher Program: formerly known as Section 8 housing, this program is the largest program administered by HUD. It provides vouchers for renting in the private market. Eligible applicants include low-income families and individuals, the elderly, and the disabled. HOME Investment Partnerships Program (HOME): HOME provides low-income households with funding to build, buy, or rehabilitate housing for renting or ownership. Housing Opportunities for Persons with AIDS (HOPWA): this program provides housing assistance to people with HIV/AIDS and their families. Additional support services are also provided. Multifamily Subsidized Housing Programs: this programs includes Section 202 Supportive Housing for the Elderly and the Congregate Housing Services Program (CHSP). These programs may be especially beneficial to elderly persons, as they provide some additional services such as housekeeping and transportation. This does not require that they locate a free section 8 application onlineThe CHSP is a very limited program, and Section 202.

HUDVET: this program strives to reduce homelessness among veterans and their families. Additional services are provided to help them find a low income housing application. Self-help Homeownership Opportunity Program (SHOP): unlike some other HUD programs, SHOP is primarily granted to regional and national non-profit organizations, not individuals/families. It provides assistance in purchasing and renovating home sites. Check your income. Before spending the time to fill out a lengthy application, you can check your income against the “income limit” developed by HUD to determine who will qualify for housing. Income limits vary by area and depend on the size of your household, so it’s important to compare your income against the limit for the area where you’re seeking housing.

Income limits are based on the median income in your city or metropolitan area. “Lower income” limits are set at 80% of the median, while “very low” limits are set at 50% of the median.
You can contact your local HA to find out the income limit for your area, or you can look online at Just because your income doesn’t fall at or below the income limit doesn’t mean you shouldn’t apply. It might, however, be a good idea to speak with an HA representative first.

Program Description: 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 high rise apartments for elderly families.

General Program Requirements:
Public housing 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.

Your Next Steps
The following information will lead you to the next steps to apply for this benefit. Remember, what people refer to as a HUD application, is really for the Section 8 Voucher Program.

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