$10,000 Grant to Fix Up a Home And Make it Healthier

Called the Health Homes Demonstration Grants and referred to as Program #14.901 in the Catalog of Federal Domestic Assistance, this program is designed to develop, demonstrate, and promote cost-effective, preventive measures to correct multiple safety and health hazards in the home environment that produce serious diseases and injuries in children of low-income families. HUD is interested in reducing health threats to the maximum number of residents, especially children, in a cost efficient manner. Healthy Homes Demonstration grants are intended to serve a broad array of beneficiaries including homeowners, rental property owners, and public housing residents. For information on where these programs are available in your area contact Ms. Ellen Taylor, Director, Healthy Homes Program, Office of Healthy Homes and Lead Hazard Control, 451 Seventh Street, SW, Room P3206, Washington, DC 20410, 202..., extension 116

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The Government Will Pay My Mortgage

Housing Details: "There are now programs that will make your mortgage payments for you when you get into financial trouble. For example, Pennsylvania law, 35 P.S. § 1680.401 et seq., states it will provide ""mortgage assistance payments to homeowners who are in danger of losing their homes through foreclosure and through no fault of their own and who have a reasonable prospect of resuming mortgage payments within the prescribed time frame."" Pennsylvania calls it the ""Homeowners' Emergency Mortgage Assistance Program."" One of the best ways to find out if there are programs like this in your area is to contact the local HUD approved Housing Counseling agencies. To find your closest agency, contact your state housing office, the Housing Counseling Center locator at 1-888-466-3487; {www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm}, or Housing Counseling Clearinghouse, P.O. Box 9057, Gaithersburg, MD 20898; 800-217-6970; Fax: 301-519-6655. If your local agency doesn't have money to pay your mortgage, they will certainly help you work out other arrangements with your mortgage company."

Grant URL: http://www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm

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$3 Billion in Grants to Fix Up Homes in Cities

Called Community Development Block Grants/Entitlement Grants and referred to as Program #14.218 in the Catalog of Federal Domestic Assistance, this money can be used to develop viable urban communities, by providing decent housing and a suitable living environment, and by expanding economic opportunities, principally for persons of low and moderate income. To find organizations in your area who have received this funding, contact your local office of the U.S. Department of Housing and Urban Development

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$3,500 Grant to Improve Your Home So It Cuts Your Utility Bills

This program is called the Energy Efficient Mortgages Program and can be used to make energy-efficient improvements in one to four existing and new homes. The improvements can be included in a borrower's mortgage only if their total cost is less than the total dollar value of the energy that will be saved during their useful life. The cost of the improvements that may be eligible for financing as part of the mortgage is either 5 percent of the property's value (not to exceed $8,000) or $4,000--whichever is greater. The maximum mortgage limit for a single-family home is $160,950, plus the cost of the eligible energy-efficient improvements

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$5 Million in Grants to Fix Up Homes in Small Towns

Called the Community Development Block Grants/Small Cities Program and referred to as Program #14.219 in the Catalog of Federal Domestic Assistance, this program's primary objective is the development of viable urban communities by providing decent housing, a suitable living environment, and expanding economic opportunities, principally for persons of low and moderate income. Contact your local office of the U.S. Department of Housing and Urban Development

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15,000 People A Month Get Grants For Down Payments

There are a number of non-profit organizations that provide grants to homeowners to pay for down payments and closing costs for buying a new home. These grants normally range from 2% to 5% of the purchase price of the home. These non-profits obtain their money from mortgage lenders and sellers. Housing regulations prevent sellers or lenders to give down payment money directly to buyers. More than 15,000 buyers a month receive grants through this program. To learn more about how this gift-assisted sale works, contact the national association of these organizations called Homeownership Alliance of Nonprofit Down Payment Providers, at 301-941-1907, or web.

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Home Grants Program up to 10,000

this is a non-repayable grants/gifts program available to first-time homeowners to cover down payment and closing costs. Also provided are free Homebuyer Education Courses, free Balanced Budget Spending Plans, free Credit Counseling Services as well as Post Purchase and Homeownership Maintenance Counseling to any resident in North Carolina. Income is not a limiting factor; however, all applicants are required to take the two educational courses provided by Home Grants. In order for a grant recipient to use Home Grants' funds, they must be approved for an acceptable loan product that permits charitable organizations to provide gift funds. Contact: North Carolina Housing Assistance; (704) 385-3973

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