Pennsylvania Department of Housing & Urban Development
The Pennsylvania Department of Housing & Urban Development (HUD) administers funds for grants and programs to enhance community improvements, encourage home buying and combat homelessness. Homebuying benefits available through HUD include housing counseling, FHA loans and additional financial assistance. HUD also offers home renting benefits through the Section 8 Housing program to assists low-income residents in obtaining secure and affordable rental housing. The department emphasizes and enforces equal rights for tenants and homebuyers when interacting with housing providers, home sellers or loan providers. HUD will review claims of discrimination against residents with disabilities and other protected groups. The benefits offered by the Department of Housing and Urban Development are designed to assist residents in obtaining affordable and suitable housing, improve their current housing situations and receive equal treatment through all housing-related transactions. To learn more about the Pennsylvania Department of Housing and Urban Development and how it assists with homeownership and the Section 8 housing program, review the following information.
Homeownership Assistance in Pennsylvania
The most commonly utilized home buying benefits in PA available through HUD are FHA loans, which offer lower closing costs, smaller down payments and less strict qualifications. The Pennsylvania Department of Housing & Urban Development insures FHA loans to decrease the financial risk for the financial institutions, allowing lenders to offer better terms to homebuyers. Another homebuyer benefit offered through HUD includes housing counseling with a financial and housing professional. To take advantage of this home buying assistance, a prospective homebuyer or current homeowner can contact a HUD-approved housing counseling agency in the area. The housing counselor assists the homebuyers or owners learn about government-funded home financing opportunities for a new purchase as well as review refinance decisions and foreclosure-avoidance options for owned properties.
The Pennsylvania Department of Housing & Urban Development is responsible for ensuring homebuyers and renters are treated fairly and equally. Housing benefits offered by the Department of Housing and Urban Development in PA and all housing transactions in the state must adhere to the Fair Housing Act, which ensures all residents are treated equally when interacting with housing professionals including loan officers, landlords, property managers and homeowners. HUD assists any potential homebuyer who feels he or she has been treated wrongly throughout any part of the housing transaction. Home renting benefits through HUD include the ability to quickly and easily file an online housing discrimination claim if a housing provider or homeowner has discriminated against a potential tenant, current renter or prospective homebuyer. Download our informative and free guide to learn more about home buying benefits through HUD and the homeownership assistance programs offered.
Additional HUD home buying benefits include purchasing HUD homes, which are offered for sale directly through the department. The Department of Housing and Urban Development offers HUD homes for sale when FHA-loan borrowers have been foreclosed upon. HUD home buying benefits include a lower price and helpful buying-assistance programs for buyers who qualify. Residents who purchase HUD homes are buying the homes as-is but may be offered more affordable choices in desirable locations. Read More
Section 8 Housing
Benefits offered by the Department of Housing and Urban Development in PA also include the Section 8 housing program, commonly referred to as the Housing Choice Voucher program. The HCV program provides home renting benefits through rent subsidies submitted directly to the housing provider to reduce the cost of the tenant's monthly rent. To utilize these home rental benefits, tenants must first meet the qualifications for the Section 8 program, complete the application process and choose housing that meets HUD standards. The Pennsylvania Department of Housing & Urban Development ensures that tenants using vouchers live in suitable, secure and convenient rental housing for themselves and their family members.
Pennsylvania home renting benefits through the HCV program are not available to all potential tenants in the state. To qualify for these HUD benefits, an applicant must meet the program's guidelines on income, citizenship status and family composition. Local Public Housing Authorities in Pennsylvania administer the HUD home renter benefits and determine who meets the requirements for Section 8 vouchers. While the Pennsylvania Department of Housing & Urban Development sets many federal guidelines for the HCV program, the PHA can set additional qualifications for suitable housing and criteria for beneficiary eligibility. When applying for HCV program home renting benefits, a potential tenant should search for PHAs that are currently accepting applications and have open waiting lists. Since the demand for HUD home renter benefits and HCV vouchers may exceed the funding, PHAs may create waiting lists for eligible applicants. HUD home rental benefits are distributed to applicants on the waiting list on a first-come, first-served basis unless the applicants meet specific local preferences set by the PHA. HCV program applicants who feel they were wrongfully denied benefits can appeal the PHA's decision. To find out more about PA HUD benefits for renters and the Section 8 program, download and review our comprehensive online guide.
Homelessness assistance benefits offered by the Department of Housing and Urban Development are easily accessible through the HUD Exchange Homelessness Assistance. Homebuying benefits and financial assistance programs are available for homeless and imminently homeless residents including specific homeless veteran assistance resources. The Pennsylvania Department of Housing & Urban Development offers HCV voucher benefits to eligible veterans in conjunction with the Veteran Affairs department through the HUD-VASH program. Seniors can also receive home renting benefits and home buying assistance through HUD's senior housing assistance programs and senior building incentive programs. Read More