Housing counselors, lenders, local agencies, and program administrators can help you understand available resources. Verify eligibility, funding, repayment conditions, and any occupancy requirements directly.
Where support can come from
Help for buyers and owners can come from several places. Each has a different role:
- HUD-approved housing counseling agencies, for education and budgeting guidance.
- Licensed lenders, for loan options and program participation.
- State and county housing agencies, for programs offered in your area.
- Your loan servicer, if you ever have trouble making payments.
Verify every program directly
Assistance programs change. Before you count on one, confirm the details directly with the administrator:
- Eligibility requirements and income limits.
- Whether funding is currently available.
- Whether it is a grant, a forgivable loan or a repayable loan.
- Occupancy or resale requirements.
- How it works with your chosen loan.
Ask early
The earlier you ask questions, the more options you are likely to have — before you make an offer, and long after you move in. Keep a short list of verified contacts somewhere you can find it.
I’m glad to talk through your plans and point you toward people who can answer program-specific questions.
Questions worth asking
- Which programs does my lender participate in?
- Is this assistance repayable, and when?
- Is there a HUD-approved housing counselor near me?
Educational information only—not financial, legal, tax, or lending advice. Costs, programs, and loan terms vary. Verify details directly with your lender, insurer, and the relevant administrators and qualified professionals.