Smit
Best Government Housing Assistance Programs in the USA in 2025 Guide
Although finding affordable housing in the United States can be difficult, government assistance programs can help older people, low-income families, and people with disabilities find safe and affordable housing. This guide includes information about the top government housing assistance programs in the USA in 2025, as well as eligibility criteria and application processes.
1. Housing Choice Voucher Program under Section 8
Low-income families can now purchase rental housing in the private market thanks to the Section 8 Housing Choice Voucher Program. The government partially subsidizes the rent, reducing the cost of housing.
Eligibility:
Older people, low-income families and people with disabilities
U.S. citizens or eligible noncitizens must meet the income limits set by HUD.
How to Apply:
Visit the public housing authority (PHA) in your area.
Fill out an application and attach the required paperwork.
Wait for approval before they add you to a waiting list.
For more information HUD.gov.
2. Programs for Public Housing
Low-income families can rent government-owned apartments at subsidized rates under the public housing program.
Eligibility:
United States citizens or eligible non-citizens
Must be within HUD’s income limits.
They may require background checks.
How to Apply:
Talk to the public housing authority in your area.
Provide your family’s information and income when completing the application.
Wait to be assigned to public housing.
Visit HUD.gov to determine your eligibility.
3. USDA Housing Assistance for Rural Development
Through direct loans and grants, the USDA Rural Housing Assistance Program helps low-income families in rural areas find affordable housing.
Eligibility:
Families in specific rural areas
Must meet income requirements.
Lack access to suitable housing
How to Apply:
Check the USDA eligibility map to see if your area is eligible.
Visit a USDA Rural Development office and submit an application.
Wait for funding and permitting.
Use USDA.gov to apply.
4. LIHEAP, or Low-Income Home Energy Assistance Program
LIHEAP helps low-income families with heating and cooling expenses, thereby reducing housing costs, even though it is not a direct housing program.
Eligibility:
Income must be below the federal poverty limit.
The government prioritizes older people, people with disabilities, and families with young children.
How to Apply:
Locate the LIHEAP office in your state.
Provide proof of income when completing the application.
Get help paying your utility bills.
LIHEAP.gov offices can be found here
5. First-time Homebuyer FHA Loans
With a low down payment and lenient credit standards, the Federal Housing Administration (FHA) loan program helps first-time homebuyers afford a home.
Eligibility:
People buying their first home or who haven’t owned a home for three or more years
Minimum credit score of 500 (with a 10% down payment) or 580 (with a 3.5% down payment).
Consistent income and work history
How to Apply:
Locate an FHA-approved lender.
Send in an application with your income and credit information.
Get pre-approved, and start looking for a home right away.
FHA lenders can be found here
FHA Customer Service: Call 1-800-CALL-FHA (1-800-225-5342)
6. Emergency Rental Assistance Program (ERA)
When renters face financial difficulties, the Emergency Rental Assistance Program provides them with money to help them pay their rent and utilities.
Eligibility:
Low-income renters who are in financial trouble or facing eviction
Proof of catastrophe, such as a medical emergency or job loss
You must verify your income and provide a lease agreement.
How to Apply:
Visit the ERA program website in your state.
Send in the required paperwork.
Get help paying utilities or rent.
Remarks
With the right government assistance program, affordable housing is achievable. These services can provide financial relief in 2025, whether you are a homeowner, a renter, or a person in need of emergency assistance. Find out if you qualify, apply as soon as possible, and get the housing assistance you need now!
Looking for funding to start or grow a business? Check out our Small Business Grants in the USA (2025 Guide) for opportunities to secure government grants for your business.