: HUD's largest grant program to states for housing.

Search the HUD Housing Counselor Directory to find one nearby. Every state has an HFA (e.g., CalHFA in California).

: You haven't owned a home in the last three years .

: Information on federal grants is always free.

: Provides up to $10,000 for elderly homeowners to remove health/safety hazards.

Since "grants" are distributed locally, you must look at your specific geography. They are the gatekeepers for federal funds.

: Offers subsidies that can reduce mortgage payments for a short time. 🗺️ How to Find the Money