Federal Housing Programs for Seniors in California

What housing programs are available for low income senior citizens in California? Federal low income housing elderly benefits are available through the U.S. Department of Agriculture (USDA) and the U.S. Department of Housing and Urban Development (HUD). Different qualifications for low income senior housing are applicable for each of the loan, grant, voucher and repair programs listed below. When it comes to eligibility for federal senior housing programs in CA, adults must meet the government’s definition of a senior citizen to apply. Income qualifications for senior housing HUD and USDA programs target families with incomes in the low, very low and extremely low range. A select few USDA programs are available to those whose incomes fall in the moderate income range. Senior citizens can continue reading to learn more about what housing programs are available for low income senior citizens in California, and how to complete the application process for these assistance programs.

HUD Housing Choice Voucher (Section 8)

Federal housing programs for seniors eligibility requirements can be met through HUD’s Housing Choice Voucher, or Section 8, housing program. HUD’s most popular low income elderly housing benefit subsidy allows extremely low to low-income senior households to rent privately owned apartments that they cannot otherwise afford. Those who apply for seniors federal housing programs in California and choose Section 8 have the freedom to select their own housing unit from a list of subsidized rentals. Participants must pay a portion of the rent to the property owner themselves, and HUD pays the remaining rent due by issuing a voucher directly to the property owner. California low income housing elderly benefits may allow senior citizens to receive housing priority in some areas during the Section 8 application process, and Section 8 seniors may deduct a certain amount from their income to qualify for the subsidy.

To learn more about Section 8 housing for senior citizens, click here for our comprehensive guide.

Section 504 Rural Housing Repair and Rehabilitation Grants

Senior homeowners who apply for seniors federal housing programs in CA while living in a rural area may wish to seek a USDA Section 504 grant. This low income elderly housing benefit can be used to fund home repair and improvement projects to improve the safety and cleanliness of the dwelling. Grant funds can also be used to improve handicapped access if the senior citizen or any household member is disabled. Eligibility for this federal senior housing program requires senior homeowners to meet certain financial requirements and they must also use the funds only for the purposes outlined by the USDA. Low-income homeowners may apply for this senior federal housing program by contacting their local USDA field office online or by phone. Some elderly applicants looking at housing programs available for low income senior citizens may also need more information on disability housing rights in California to obtain fair housing opportunities if they require additional assistance due to a disability.

Section 504 Rural Housing Repair and Rehabilitation Loans

Qualifications for low income senior housing aid through a Section 504 Rural Housing Repair and Rehabilitation Loan are similar those for Section 504 grants, but they are only issued to rural homeowners with the means and ability to repay the loan. This low income elderly housing benefit is for senior citizens who have struggled to obtain financing for home repair or rehabilitation. Those who apply for this senior federal housing program must use the funds for the specific purposes outlined by the USDA. It is possible to obtain a Section 504 Rural Housing Repair and Rehabilitation Grant at the same time as the loan, if the expense of the repairs is higher than the loan amount available. This low income elderly housing benefit has generous interest and repayment terms. After getting information on housing assistance programs and determining the best option for their family, applicants can submit their paperwork to a local USDA field office.

Section 502 Rural Housing Loan (Direct)

These USDA California low income housing elderly benefits help senior citizens with very low or low incomes purchase a home in rural areas. Seniors who meet qualifications for low income senior housing may apply for financing through this USDA program and use the funds to build a new home or repair, renovate or relocate their existing home. Recipients of Section 502 direct loans must meet all repayment rules of the program including the time limits set to pay off the loan. Qualifications for low income senior housing in California via 502 direct loans include providing information about credit history and any other attempts to obtain home financing that might have failed.

Section 502 Direct Housing Natural Disaster Loan

California low income housing elderly benefits are often sought after a senior citizen finds his or her home destroyed or damaged after a natural disaster, such as an earthquake or wildfire. The federal government has housing programs available for low income senior citizens in CA who live in rural areas and need to rebuild after a natural disaster. The USDA Section 502 Direct Housing Natural Disaster Loan is a federal housing program for seniors and other low-income families who live in areas identified by a presidential natural disaster declaration. Qualifications for low income senior housing improvements and repairs on this program must be met in full. USDA natural disaster loans are only available when the Federal Emergency Management Agency (FEMA) does not provide assistance to the household. Recipients of this federal housing program for seniors may use the loan for a variety of home-building and home-repair purposes. As with other USDA low income housing elderly benefits, petitioners must submit applications at the nearest Rural Development field office for processing.

Section 502 Guaranteed Rural Housing Loan

Another USDA federal housing program for seniors in California can provide home loans to low- or moderate-income families that cannot secure a traditional mortgage in an eligible rural area without providing the lender with a loan guarantee. This housing program available for low income senior citizens provides a way to guarantee a loan for senior citizens in need of financial assistance. California qualifications for low income senior housing via a guaranteed rural housing loan includes meeting requirements regarding credit history and current income. Low-income, rural-dwelling senior citizens seeking low income housing elderly benefits may submit an application for a Section 502 guaranteed rural housing loan at state and local offices of the USDA’s Rural Housing Service.

To learn more about federal housing programs for senior citizens, click here for our comprehensive guide.


What Housing Help Can I Get Through HUD?

California residents can receive various types of housing assistance, from federal housing aid to home loans and more. Additionally, the Department of Housing and Urban Development offers CA residents counseling services, which cover how to avoid foreclosure, how to buy a home and how to rent a living space, to name only a few topics. Find out everything you need to know about housing assistance programs in California by downloading our comprehensive HUD guide.


Who Is Eligible to Receive Housing Help in California?

In order to receive housing help from the state of California, you typically need to meet the income requirements of the specific assistance program you are applying for. These necessary qualifications often refer to the income of the household, based on the number of members. Find out if you and your household are eligible for housing assistance here.