Frequently Asked Housing Policy, Landlords, and Tenants Questions

For Section 8, Public Housing, and other affordable housing subsidy programs, your monthly rent payment is generally 30% of the household's monthly gross income, but there are other factors that can determine your rent.

Affordable properties that participate in programs without rental subsidies, such as Low-Income Housing Tax Credit properties, offer a flat monthly rent that is below the market rate. For example, an affordable housing property may charge all tenants $500 for a 1-bedroom unit in an area where the Fair Market Rent (FMR) for a 1-bedroom unit is $700.

In regards to the Section 8 Housing Choice Voucher program, it is important to find a unit that is below or near the FMR rate of that area. For example, if you find a 3-bedroom unit going for $1,400 a month, but the FMR of a 3-bedroom unit is $1,100, you may be required by the housing authority to cover that extra $300. If the monthly rent is over the FMR by just a small amount (tens of dollars) the housing authority may allow you to still rent it without paying extra money. However, there is no guarantee that you would be granted by this accommodation.

Link to this FAQ: https://affordablehousingonline.com/housing-help/How-Much-Would-My-Rent-Be

If a Project Based Section 8 apartment community is sold and the new owner decides not to renew the Housing Assistance Payment (HAP) contract with HUD, they can permanently relocate residents. However, under the federal Uniform Relocation Act (URA), Project-Based Section 8 tenants receive certain protections including relocation advisory services, extended relocation notice requirements, moving expense reimbursement and substantial payments to cover the increased costs of replacement housing.

According to Relocation Assistance To Tenants Displaced From Their Homes (HUD-1042-CPD), HUD booklet for displaced tenants, if a tenant is notified they will be displaced, "it is important that you do not move before you learn what you must do to receive the relocation payments and other assistance to which you are entitled."

The benefits displaced tenants are entitled to are:

• Extended move out notice. You are not required to move without at least 90 days advance written notice. The written notice must identify at least one comparable rental property available to you and the earliest date by which you must move.
• Relocation advisory services. Counseling services that include referrals to comparable replacement housing, inspection of replacement housing to ensure it meets established standards, claim for preparation assistance, and other counseling to minimize the cost and impact of the move.
• Moving Expense Payment. Payment of actual moving expense and/or a fixed moving expense and dislocation allowance.
• Allowance for Replacement Housing. To provide a renter with the financial resources needed to find replacement housing, the tenant is entitled to relocation assistance payments to buy or rent replacement housing. The URA entitles displaced renters to rental assistance for a 42 month period following displacement. The amount of monthly assistance is determined by subtracting 30% of a low-income tenant's monthly income from the monthly rent payment for the replacement housing. For example, if a displaced Section 8 tenant earns $500 per month and replacement housing costs $800 per month, for 42 months, the tenant would receive $650 per month for 42 months, $800 (the new rent) minus $150 (30% of monthly income).

To receive these benefits, a displaced tenant must file a claim.

Relocation regulations and the benefits tenants are entitled to are complicated. Many purchasers of Project-Based Section 8 properties are either inexperienced with the program and its requirements or choose to ignore them. Often, a new owner tries to just evict everyone upon assuming ownership without following the Uniform Relocation Act, which is unlawful.

If you find yourself in a situation where you are being displaced, it is very important that you do not move until you identify what your rights are.

HUD has a great overview of the URA and even provides Regional Relocation Specialists (directory) that can assist tenants in danger of relocation.

Link to this FAQ: https://affordablehousingonline.com/housing-help/can-a-landlord-evict-a-section-8-tenant-after-the-property-is-sold

Under the Section 8 Housing Choice Voucher program, most tenants will pay 30% of their monthly income. The Public Housing Authority that issued and approved the voucher will pay the landlord the remainder of the rent and utility costs.

In cases where the market rate rent of a unit exceeds the payment standard set by the Public Housing Authority, tenants may be required to pay up to 40% of their monthly income. However, by law, contributions towards rent from a tenant may not be more than 40% of their monthly income.

Link to this FAQ: https://affordablehousingonline.com/housing-help/how-much-do-vouchers-pay

The U.S. Department of Housing and Urban Development, commonly abbreviated as HUD, is the main agency that oversees federal affordable housing and community development programs. It was created as a cabinet-level department in 1965 as part of President Lyndon Johnson’s War on Poverty.

Since 2017, Ben Carson has served as the Secretary of Housing and Urban Development under the Trump Administration. The position was last held by Julian Castro from 2014 until 2017.

Housing Opportunity and Rental Assistance

HUD administers affordable housing programs that help low-income households pay for rent. Through these programs, HUD may also offer supportive services, utility cost reimbursements, self-sufficiency planning, and job training for eligible households. The Section 8 Housing Choice Voucher, Section 8 Project-Based Rental Assistance, and Public Housing are HUD’s primary affordable housing programs.

HUD also funds housing for populations with special needs. These programs include the Section 202 Supportive Housing for the Elderly, Section 811 Supportive Housing for Persons with Disabilities, and Housing Opportunities for Persons with AIDS (HOPWA) programs. HUD also administers grants to help persons experiencing homelessness, including shelters, transitional housing, and services.

Community Development

HUD provides funding to states, counties, and cities for public infrastructure and economic development. Some of these programs can be used to build or rehabilitate affordable housing including the Community Development Block Grants (CDBG) and the HOME Investment Partnerships Program (HOME). Through the Office of Public and Indian Housing, HUD provides block grants to tribes for housing and community development through the Indian Housing Block Grant and Indian Community Development Block Grant programs.

Affordable Homeownership

HUD assists homebuyers through the Federal Housing Administration (FHA). FHA-insured mortgages have helped millions of first-time homebuyers purchase homes. HUD also oversees lead paint and hazard removal programs, and standards for manufactured housing.

Fair Housing and Equal Opportunity

HUD is charged with enforcing the Fair Housing Act to address housing discrimination through the Office of Fair Housing and Equal Opportunity. HUD also administers funds to rebuild communities after natural disasters through the Community Development Block Grant-Disaster Relief program.

Link to this FAQ: https://affordablehousingonline.com/housing-help/what-is-hud-housing

Landlords who have interested tenants with a Section 8 Housing Choice Voucher (HCV) should expect to:

• Familiarize themselves with the Section 8 HCV program.
• Get a monthly rent payment from the participating Public Housing Agency (PHA), which is based on the family’s income and the agreed upon rent amount. The PHA usually pays a portion of the rent which can be all of it or a smaller amount. The payment will arrive between the first and fifth of every month, either in the mail or by direct deposit.
• Be allowed to keep the PHA’s monthly rent payment, even if the voucher holder’s family moves out in that same month of the payment.
• Get a higher portion of the rent from the PHA, if the voucher holder’s family suddenly loses their income, and in many cases, the PHA will pay the full amount of the rent payment if a family loses all or most of their income.
• Receive help from the PHA to fill the landlord’s vacant units, since the PHA will have dozens, sometimes hundreds, of qualified voucher holders looking for a unit.
• Get a basic inspection from the PHA for the rental unit, every year or two years (depending on the local PHA). The Landlord will get a report of the needed repairs. If asked, the Inspector can tell the Landlord If the repairs appear to be caused by the Voucher Holder or are normal wear and tear.
• Continue to get a rental payment from the PHA until the voucher holder leaves the unit in the event that if a good cause eviction.

What are the restrictions for who can be a Section 8 landlord?

HUD will not pay rent when the landlord is a parent, child, grandparent, grandchild, or sibling of the renting family. The only exception would be if the family includes a person with a disability who needs the unit as a documented reasonable accommodation.

Landlords who have been caught violating program policies may be banned from participation in the program.

What paperwork is the landlord required to complete?

• Request for Tenancy Approval (RTA) form
  Must be signed by the landlord and the voucher holder (head of household). The voucher holder is responsible for submitting the completed signed form to the PHA, although the landlord can also submit the form on behalf of the voucher holder. The RTA form will be 2 pages long.
• Lead Paint Certification form
  Needs to be submitted to the PHA, along with the RTA. Needed for any dwelling built before 1978. However, almost all PHAs require this form, no matter when the unit was built. The Lead Paint Certification form will be 1 or 2 pages long.
• Lease
  The PHA should advise the renter not to sign the lease until the unit passes the inspection and the landlord and PHA have agreed upon a rent amount. The PHA will review the lease and unless there are some outrageous or unusual requirements or conditions, will approve it. PHA approved leases run for 12 months.
• Housing Assistance Payment (HAP) Contract
  Contract between the landlord and the PHA. Tells the monthly rent amount to be paid directly to the landlord by the PHA and what amount is the responsibility of the voucher holder. Also, tells what utilities are paid by the voucher holder. The HAP contract is signed by the Landlord and the PHA representative. A copy is also given to the Voucher Holder. The HAP Contract will be 13 pages long. Although it is 13 pages long, most of the contract explains the responsibilities of the PHA, the Landlord and the Voucher Holder.

What are the steps to renting a unit to a Housing Choice Voucher tenant?

1. The voucher holder will bring the landlord a Request for Tenancy Approval (RTA) and Lead Paint Certification form to complete and sign.

2. The voucher holder or the landlord (or landlord’s representative) will submit the two forms to the voucher holder’s PHA caseworker.

3. The caseworker will review the forms and check the rent amount against the local Fair Market Rent (FMR), and also look at comparable rents in the area. The caseworker will either negotiate the rent amount if the requested amount is higher than the FMR, or will agree to the rent payment. For some PHAs, the housing inspector will review the requested rent amount, after the inspection is completed.

4. The PHA inspector will contact the landlord to make an appointment for the inspection. For most PHAs, the inspection has to be completed within 15 days after the RTA is received. Some of the larger PHAs might take longer. The voucher holder will be notified of the date of the inspection and the Inspector should ask the voucher holder if they want to be present for the inspection. The landlord or the landlord’s representative should be present during the inspection, but doesn’t necessarily have to be.

5. The PHA inspector will tell the landlord if the unit passed the inspection or repairs are needed.

6. The landlord makes a decision to complete the repairs or to not complete the repairs and not rent to the voucher holder. If the landlord decides to complete the repairs, the landlord will need to contact the inspector once the repairs are completed. The inspector will set up a time to come back out and review the repairs.

7. If the unit passes at that time, the voucher holder can move in on the date agreed upon by the PHA and the landlord. Some PHAs will pay a partial month’s rent if the voucher holder moves in the middle of the month, but some won’t pay until the first or fifteenth of the month. The landlord needs to make sure the PHA will pay a partial month’s rent before the voucher holder moves in on a date other than the first of the month.

8. After the lease and HAP contract is signed and the voucher holder gets the keys from the landlord, the contract and lease begins.

9. Ten months later, the landlord will get an appointment notice for the annual inspection. The inspector comes out, inspects the unit and sends a notice to the landlord that the unit passed or not. If the unit doesn't pass the annual inspection, a description of the needed repairs will be sent to the landlord, along with a due date by which the repairs need to be completed. A copy will be sent to the voucher holder.

10. If the landlord wants to request a raise in rent, they need to notify the PHA caseworker 30 to 60 days in advance of the end of the first year’s lease, depending on the PHA rules.

11. The voucher holder will go through an annual recertification. The PHA caseworker will verify the voucher holder’s income and the portion of rent paid by the PHA could change for the upcoming twelve months, depending on the voucher holder’s income and income deductions (childcare, medical bills, etc...)

12. The PHA caseworker will send a notice to the landlord, stating the PHA’s new portion of the rent and the voucher holder’s new rent portion amount to be paid to the landlord. The notice will also include the date the new rent amounts start.

Link to this FAQ: https://affordablehousingonline.com/housing-help/what-should-a-landlord-expect-when-renting-to-a-section-8-voucher-holder

Yes, a landlord can raise the rent for tenants who have a Section 8 Housing Choice Voucher, but there are guidelines in doing so. The landlord has to give the Public Housing Agency (PHA) a 60 or 90-day notice (depending on the PHA), and get written permission from the PHA before the change in rent goes into effect.

If the PHA receives a request for a raise in rent, the PHA will send a form to the landlord to complete and sign. The landlord submits the completed form requesting a raise in the rent directly to the PHA caseworker.

The PHA caseworker will review the form and check if the requested rent amount is rent reasonable. If everything checks out, the caseworker will grant the raise in rent.

The reason the PHA asks for the request to be at least 60 days before the requested date of the raise is because the PHA must notify the tenant at least thirty days before the requested date. The time frame gives the caseworker time to review and process the raise in rent, and if approved, send the notice of the change to the tenant.

During the span of the Housing Assistance Payments (HAP) contract, the PHA will generally not accept any request to raise the rent unless something unusual happens. In any case, the PHA needs to be notified before any changes in the lease occur. Generally, a new lease and HAP contract is needed:

• If there are any changes in who is responsible for the utilities or appliances.

• If there are any changes in the term of the lease.

• If the family moves to a new unit, even if the unit is in the same apartment building. A new inspection will also be needed, in this case.

If approved, the rent increase will go into effect on the first day of the month which falls after 60 (or 90) days from the date of receiving the request from the landlord.

Here’s an example of the timeline of events that would happen:

The landlord calls and leaves a voicemail asking for a raise in the rent, to the PHA caseworker on March 12, 2020.

The PHA caseworker mails or emails him back the request form, on March 14, 2020.

The landlord submits the completed and signed form to the PHA caseworker on March 17, 2020.

The PHA caseworker completes a rent reasonableness review and if the requested rent amount meets rent reasonableness, the PHA caseworker approves the new rent amount and mails a thirty-day notice to the tenant on March 26, 2020.

The new payment would begin on May 1, 2020.

HUD's legal code about changes or raises in rent can be found here.

Link to this FAQ: https://affordablehousingonline.com/housing-help/can-a-landlord-raise-the-rent-for-a-section-8-tenant

Under HUD regulations, smoking cigarettes, cigars or pipes are not allowed in apartments, public areas or within 25 feet of Public Housing buildings. At this time the smoking ban does not apply to e-cigarettes, nor to HUD properties that participate in housing programs other than Public Housing.

You may or may not be able to smoke in your affordable housing unit; depending on the policy of the housing authority, property management company, or landlord that manages your unit.

• Public Housing residents may not smoke on premises as of July 31, 2018. More information about that ruling can be found here.
• If you are a Section 8 Housing Choice Voucher tenant, that policy is set by your landlord. The smoking policy should be identified on your lease.
• For other housing programs, some housing agencies let its residents smoke, while others do not. The smoking policy should be identified on your lease for these programs, as well.

If a housing agency does have a no-smoking policy, there may be designated smoking areas outside. Also, it's important to note that no-smoking policies do not mean that residents who smoke will be evicted. But they will be not be allowed to smoke on premise.

Contact the housing authority, property management company, or landlord that manages your unit to confirm the smoking policy. You can use the search bar at the top of this page to search for housing authority and apartment community contact information.

Link to this FAQ: https://affordablehousingonline.com/housing-help/can-I-smoke-in-my-unit

Yes, a deposit on rental of an apartment or house can be refunded, and in most states, there are laws stating the circumstances for which deposits must be refunded and time limits for return of the money. As a tenant, it is your responsibility to read and understand the refund policy listed in your signed lease.

There are legitimate reasons for a landlord to NOT return a rental deposit. Examples of those situations would be when a tenant breaks or terminates a lease before the end date, owes back rent, damages the unit, or leaves behind unpaid utility bills. Many landlords also deduct from the deposit to cover cleaning expenses. If you feel the landlord is unjustly keeping your deposit, politely ask for detailed proof of why the refund was kept- receipts, bills, or even pictures of alleged damages. After reviewing the proof, If you still don’t agree, or if no proof is forthcoming, contact an attorney or your local legal aid office.

Link to this FAQ: https://affordablehousingonline.com/housing-help/deposit-be-refunded

For low-income housing funded through HUD, the answer is yes. For private renters, probably. It depends on the state in which you live. Marital status is not a protected category under federal law. Twenty states (including D.C.) do have legal provisions protecting people from discrimination based on marital status. But right now, many states don’t have specific laws against marital status discrimination.

In states without protection, landlords may ask questions about your marital status and may not rent to you if you are an unmarried couple. Also, there are many city and county ordinances prohibiting discrimination of gay and lesbian tenants. These local laws usually protect unmarried heterosexual couples, too. It is advisable to research your local ordinances and laws and find out what the rules are for the apartment or home you intend to rent.

Link to this FAQ: https://affordablehousingonline.com/housing-help/can-I-live-with-boyfriend-girlfriend

For low-income housing funded through HUD, the answer depends on if your boyfriend/girlfriend is eligible for the program.

The boyfriend/girlfriend must provide a social security card and birth certificate or acceptable form of citizenship identification. Also income documentation will be required and the new addition to the family must pass a criminal history background check. The process will take some time, usually no more than thirty days, but do not move anyone in until you get the appropriate authorization. If you do move someone in before you get permission, the person will be considered an unauthorized household member and you can be terminated from your low-income housing program. Private pay renters should check the lease and get permission from the landlord or apartment manager. If children are coming along, they must provide birth certificates or an acceptable form of citizenship identification and social security cards as well. The unit also must be big enough to accommodate the new members of the family without overcrowding.

Link to this FAQ: https://affordablehousingonline.com/housing-help/add-boyfriend-girlfriend-household

Yes, your annual income and student status has to be certified every year for Low-Income Housing Tax Credit (LIHTC) tenants.

If your income has gone up, and you no longer meet the income limit threshold, don't be in fear, you should still be able to keep your apartment. After the initial determination of eligibility, income no longer filters into eligibility requirements for LIHTC units. However, management of LIHTC apartments are required to annually certify and report to HUD. This is to ensure owners are in compliance with LIHTC rules and requirements.

Link to this FAQ: https://affordablehousingonline.com/housing-help/recertify-income-every-year-to-live-in-lihtc

• Pay on time.
  Try as best as you can to get your payments in on time. This includes car payments, rent payments and utility bill payments.
• Don’t run up your credit cards.
  Yes, that advertisement for a heart-shaped necklace that keeps popping up on your facebook page sure is pretty, but do you really want to max out your credit card to buy it? Not if you want to raise your credit score.
• Make more than the minimum payment on your credit cards.
  Even if it is only a few dollars more, it pays down the amount you owe faster and helps when your credit score is calculated.
• Get your free credit report and study it.
  The problem with checking your credit score is you might have to pay for it, and you will also get flooded with pop up advertisements and applications for memberships on credit reporting websites.

The three credit report companies (Experian, TransUnion and Equifax), by law must send you a free credit report when requested. However, they might charge to send the actual credit score. Credit Karma will give you the scores for free, but the scores they show tend to be a little higher when compared to the scores from the three credit report companies. And you will see ads at that website also.

The Federal Trade Commission (FTC) consumer information page here lists a source for a free credit report to download, and a phone number to call to order a free credit report: (877) 322-8228.

It is recommended to download the free credit report so you can review any problems that show up. Also, check your report for accuracy. If you find something that is not correct, contact the credit report company and the business providing the information, to get it resolved.

You can also read the FTC pamphlet, Building a Better Credit Report.

Link to this FAQ: https://affordablehousingonline.com/housing-help/increase_your_credit_score

For low-income housing funded through HUD, if your younger brother or sister is not an adult, you must have legal custody of them before they can move in.

Also, if your brother or sister has been legally emancipated, then most likely they can be part of the household. In situations of homelessness, request information from your local housing authority in finding organizations that could help you and your siblings find shelter, navigate through housing programs, and/or advocate on behalf of your family. And It won’t hurt to be proactive by contacting homeless advocates and organizations on your own.

Link to this FAQ: https://affordablehousingonline.com/housing-help/homeless-brother-sister-housing

Housing Authorities and other organizations that receive funding for HUD housing programs are required to ensure that non-English speaking persons or Limited English Proficiency (LEP) persons have meaningful access to rental assistance programs. This means providing forms and notices in other languages, having interpreters for LEP persons in meetings or interviews, having bilingual staff and telephone service lines interpreters. If you feel your local Housing Authority or other social service organizations are not providing adequate language assistance, you may file a complaint with HUD's local Office of Fair Housing Equal Opportunity (FHEO) For contact information of the local HUD office, go to the HUD website or call the housing discrimination toll free hotline at 800-669-9777 (voice) or 800-927-9275 (TTY).

Las autoridades de vivienda y otras organizaciones que reciben fondos para los programas de vivienda de HUD deben asegurarse de que las personas que no hablan inglés o las personas con dominio limitado del inglés (LEP) tengan acceso significativo a los programas de asistencia para el alquiler. Eso significa proporcionar formularios y avisos en otros idiomas, tener intérpretes para personas LEP en reuniones o entrevistas, tener personal bilingüe e intérpretes de líneas telefónicas. Si cree que su Autoridad de Vivienda local u otras organizaciones de servicios sociales no brindan asistencia con el idioma, puede presentar una queja ante la Oficina local de Equidad de Vivienda con Igualdad de Oportunidades (FHEO) de HUD. Llame a la línea directa gratuita sobre discriminación en la vivienda al 800-669-9777 (voz) o al 800-927-9275 (TTY).

Link to this FAQ: https://affordablehousingonline.com/housing-help/help-to-find-housing-for-non-english-speakers

Yes, many HUD forms and program brochures concerning information about specifics of housing programs can be found on the HUD website. These documents can be found here: https://www.hud.gov/program_offices/fair_housing_equal_opp/17lep#Forms

Si. En el sitio web de HUD se pueden encontrar muchos formularios y folletos de programas de HUD sobre información específica sobre programas de vivienda. Para acceder a estos documentos, vaya a: https://www.hud.gov/program_offices/fair_housing_equal_opp/17lep#Forms

Link to this FAQ: https://affordablehousingonline.com/housing-help/documents-explaining-housing-programs-to-non-english-speakers

In the unfortunate event that the Head of Household has died, housing authorities should already have a policy on how to move forward, whether the household is currently receiving housing assistance, or still on a waiting list. Policy varies by each housing authority, but these are the general results based on our research:

If currently living in an affordable housing unit, and at least one household member is of age and legally able to execute a lease, that person may sign a new lease to update the family composition.

If currently on a waiting list, and at least one household member is of age and legally able to execute a lease, that person may become the new head of household.

A housing authority may also allow an adult who was not previously on the lease to become the new Head of Household. This usually occurs when the only remaining members of the household are minors, and is a complex policy.

If children are the only remaining household members, HUD suggests the housing authority should allow a temporary guardian to reside in the unit until the courts appoint a permanent guardian. Furthermore, the housing authority may add the new guardian as the new head of household.

In this event, the housing authority will require proof of death.

As we said earlier, this is a complex subject housing authority policy that varies by each office. Just because a housing authority "may" adopt a specific policy, it does not mean it is required to do so. Please contact the housing office that manages your unit for more information about its specific policy.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Our-Head-Of-Household-Died-Can-We-Still-Receive-Assistance

If the United States government has shut down, most Department of Housing and Urban Development (HUD) offices will remain open. A government shutdown sometimes happens in the U.S. if Congress and the President do not reach an agreement on required budget legislation to fund government operations.

For our full coverage of the 2018-19 Government Shutdown visit our 2019 Government Shutdown Timeline.

There are several managing offices within HUD, which all have varying operations during a shutdown. And it's important for tenants and landlords to know what services are available to them during a shutdown. Here's details on the most noteworthy HUD offices that has direct relations with tenants and landlords:

• Office of Public and Indian Housing (PIH)

HUD’s Description: The Office of Public and Indian Housing (PIH) ensures safe, decent, and affordable housing, creates opportunities for residents' self-sufficiency and economic independence, and assures the fiscal integrity of all program participants.

What does it do? Basically, the PIH runs the Housing Choice Voucher and Public Housing Programs for HUD at the federal level.

Is it closed during a shutdown? No. The PIH has excepted activities which are not disrupted by a government shutdown. These activities include keeping the Public Housing Authorities up and running, and ensuring the PHA’s have access to draw down needed funds (including reserved funds, at least for the month of the shutdown). PIH also ensures their PIH website used by Housing Authorities for reporting, is kept online and running as it should.

• Office of Fair Housing and Equal Opportunity (FHEO)

HUD’s Description: The Office of Fair Housing and Equal Opportunity (FHEO) is to eliminate housing discrimination, promote economic opportunity, and achieve diverse, inclusive communities by leading the nation in the enforcement, administration, development, and public understanding of federal fair housing policies and laws.

What does it do? The FHEO investigates fair housing complaints, conducts compliance reviews, ensures civil rights in HUD programs and manages fair housing grants.

Is it closed during a shutdown? Partially. The FHEO has excepted activities which are not disrupted by a government shutdown. These activities include keeping funding distributed to grantees for investigation of complaints. FHEO may also recall staff during a shutdown, if needed to pursue prompt judicial action, issue warrants, or to respond to requests from the Department of Justice regarding civil rights matters. FHEO will keep a limited number of staff at work to maintain the running of their computer systems.

• Office of Housing (Housing)

HUD’s description: The Office of Housing plays a vital role for the nation's homebuyers, homeowners, renters, and communities through its nationally administered programs. It includes the Federal Housing Administration (FHA), the largest mortgage insurer in the world.

What does it do? The Office of Housing operates HUD’s mortgage insurance and mortgages through the Federal Housing Authority (FHA), manages HUD's Project-Based Rental Assistance and other rental assistance programs, and supports Housing for the Elderly and for Persons with Disabilities programs.

Is it closed during a shutdown? No, it’s mostly open. The Office of Housing has excepted activities which are not disrupted by a government shutdown. These activities include fulfilling obligations associated with Housing’s Project-Based Rental Assistance programs. Housing will also continue to respond to issues relating to the "imminent threat to the safety of the residents," or to the protection of property in HUD-insured or assisted multifamily projects.

• Office of the Inspector General (OIG)

HUD’s Description: The primary mission of the OIG is to investigate and audit HUD programs and operations, and to respond to irregularities or violations of law or regulation in HUD programs and operations, especially as they might relate to protecting HUD funds.

What Does It Do? The Office of Inspector General (OIG) prevents and detects fraud, waste, and abuse in the programs and operations of HUD. The OIG conducts independent investigations, audits, and evaluations of HUD programs. The OIG also keeps the HUD Secretary and the Congress fully informed about HUD program deficiencies and weaknesses while also identifying best practices.

Is It Closed During a Shut Down? Yes, partially. The OIG will keep the minimum number of employees necessary to address emergency situations and to prevent the potential mismanagement of HUD’s financial assets.

Link to this FAQ: https://affordablehousingonline.com/housing-help/do_hud_offices_close_when_government_shutdown

You will not lose your spot on the Section 8 waiting list due to a debt, unless that debt is to a housing authority. Housing authorities don't usually require a credit check (though they do require a criminal background check) for the Housing Choice Voucher program.

However, you should make sure that your payment agreement with the landlord is well documented on paper. Make sure to save all of your payment receipts. If there is a public record of that debt to a landlord, you should ask them to remove the record when you pay it in full.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Owe-A-Landlord

This page on HUD's website is a good place to start to learn about being a landlord. The housing quality standards for the Section 8 program are uniform across the country however, since they are interpreted and enforced by thousands of different housing authorities and inspectors, there are large discrepancies in standards from jurisdiction to jurisdiction. To view HUD's standard quality standards, go here. You should be prepared for different interpretation by different housing authorities and even different inspectors within the same housing authority.

Link to this FAQ: https://affordablehousingonline.com/housing-help/What-Are-The-Requirements-To-Be-A-Section-8-Landlord

Though in most cases Federal law requires landlords to allow service animals, animals that perform certain tasks for disabled persons, comfort animals are not necessarily covered.

Comfort animals provide love or affection but don't actually do tasks for the resident. It depends on the property and management company and their individual policies. Many will accept a letter from a medical professional as evidence that the animal is needed but some will not. Contact the housing office that manages your unit for more information. You can search our website for housing authority and apartment community contact information here.

Link to this FAQ: https://affordablehousingonline.com/housing-help/must-apartments-allow-comfort-animals

Yes, in fact, having at least one resident on the housing authority's board is required by law, with a few exceptions.

• If the housing authority is located in a state that requires the members of its board to work full time with salary pay.
• If the housing authority does not have a governing board.

1. The housing authority has published a notice to the resident advisory board to inform residents of the opportunity, and there was no response by a resident in 30 days. This notice must be published yearly.
2. The housing authority only offers the Section 8 Housing Choice Voucher program, and not the Public Housing program.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Is-a-resident-of-the-housing-authority-allowed-to-serve-on-its-board-of-directors

That depends on if your income still qualifies for the income limit. If it is still under the limit, then yes, you are still eligible.

Applicants are required to keep application information up to date, and if there are any changes, such as income or contact information, it must be reported to the housing authority. It is equally important to keep contact information up to date. If you are on a waiting list, and a housing office send a notice that does not get a response, your application may be terminated.

Contact the housing office you apply through to find out both its income limit, and its policy on how to update application information. You can search our website for housing authority and apartment community contact information here.

Link to this FAQ: https://affordablehousingonline.com/housing-help/If-Your-Income-Increases-Are-You-Still-Eligible-For-Affordable-Housing

When an inspector comes to assess your unit, they are making sure the house is in good physical condition. Inspectors look at the structure of the unit, whether there is mold or other contaminants, and if there are insects or other animals invading the unit. What an inspector checks has to be related to these factors. They will not open your purse, cupboards, or other personal items, unless it has something to do with the above factors.

Contact the housing authority that manages your unit for further clarification on what may or may not be inspected. You can search our website for housing authority contact information.

Link to this FAQ: https://affordablehousingonline.com/housing-help/When-Inspecting-The-House-What-Do-The-Inspectors-Have-A-Right-To-Check

If your mother applied as the Head of Household, and you were on the application as a household member, it is unlikely that she can take her name off and name you as the new Head of Household. Generally, you may only pass assistance down if the Head of Household has passed away.

However, all housing offices are run differently, and there may be a rule at that specific office that allows this. Contact the housing office that manages your rental assistance for more information.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Can-My-Mother-Pass-Down-Her-Assistance-To-Us

Not all affordable housing programs are operated by having the tenant pay a portion of their income as rent. There are affordable housing programs, such as Low-Income Housing Tax Credit properties, that offer reduced monthly rent. It is likely that the property you are referring to is one of these properties. Your rent is still below the market rate.

Link to this FAQ: https://affordablehousingonline.com/housing-help/The-property-manager-said-they-were-affordable-housing-but-charges-all-tenants-the-same

Technically yes, there are houses that are available, but only for participants of the Section 8 Housing Choice Voucher program.

The Section 8 HCV program allows you to live in a HUD-approved unit of your choice. The unit can be either a house or apartment. You may not live in any unit you choose, since it must be inspected and approved by the housing authority that manages your voucher.

You can find more information on where you can use a Section 8 Voucher in our guide here.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Are-There-Any-Houses-Available-Rather-Than-Apartments

Generally, no a family member cannot be the landlord of a Section 8 household, unless the tenant is disabled and requests a reasonable accommodation.

A relative by blood or marriage may only be the landlord of a Section 8 Housing Choice Voucher household if the tenant is disabled, they require a specially-modified unit, and such a unit is only available from a relative.

When requesting a reasonable accommodation for this service, the landlord must provide proof that they do not currently live in the unit.

As each housing authority's policy varies, please confirm this with the housing authority that serves your area. You can use the search bar above to search for housing authority and apartment community contact information.

For more information on where you can use a Section 8 Housing Choice Voucher, read our guide here.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Can-A-Family-Member-Be-Landlord-Section-8

Yes, a Section 8 Housing Choice Voucher household may live in a unit with other people, but only if very specific circumstances are met.

Generally, your Section 8 Housing Choice Voucher must be tied to the lease for a rental property. So, all residents of the unit must go through the application process, and the voucher must be used for the entire unit, and not just one room.

However, HUD's Code of Federal Regulations (982.615) states that there are circumstances that allows a HCV household to reside in a shared house or apartment. This is referred to as shared housing. According to HUD's Housing Choice Voucher Program Guidebook, "Shared housing is a single housing unit occupied by an assisted family and another resident or residents."

A HCV household may reside in shared housing under one of the following circumstances:

1. A household with one or more elderly, near-elderly, or disabled person who requires a live-in aid to provide supportive services may request a reasonable accommodation for a live-in aide to reside in the unit. The unit must be in accordance with CFR 24 Part 8. The housing authority may refuse the request or withdraw approval if the live-in aid commits fraud or any other criminal act in connection with any federal housing program, commits dug or violence-related criminal activity, or owes money to a housing authority.
2. Other persons who do, or do not have a tenant-based subsidy may reside in a shared housing unit.*
3. The owner of the unit may enter into a HAP contract with the housing authority, and reside in the unit. However, the housing assistance may not be paid on behalf of the owner, and the owner may not be related to any tenants by blood or marriage.*

*The circumstance in which these accommodations would be approved varies by each housing authority. For example, the Hawaii Public Housing Authority recognizes that there is a lack of affordable housing options in its jurisdiction of Honolulu County. So as long as the voucher holder finds a unit that passes inspection and meets the payment standard, and the landlord is not related to the tenants, the housing authority would approve a shared housing request.

Contact the housing authority that manages your voucher for more information. You can search for housing authority contact information in the search bar on the top of this page.

Link to this FAQ: https://affordablehousingonline.com/housing-help/can-a-person-with-a-section-8-voucher-rent-a-room-in-someones-house

If a tenant caused major damage to the unit, the lease agreement should have bound the tenant to certain obligations to maintain the unit. Assuming that the lease agreement was between the owner and the tenant, the owner should have plenty of legal protection.

We would recommend you contact an attorney to get more specific, actionable advice.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Im-A-Section-8-Landlord-What-Recourse-Do-I-Have-Against-The-Tenant-Or-HA

If you must move from your unit for medial reasons, but your landlord will not let your out of your lease, your recourse depends on the state your live in. Landlord-tenant law is different in every state. Some states are more friendly to landlords, and others to renters.

First, try asking for some compassion from the landlord, given what you are going through. If the landlord doesn't behave like a human, then you may need to enlist legal counsel.

We can't speak to what the law says in your state, but in many cases, extenuating circumstances may allow him to terminate the lease.

If you are unable to come up with an agreement with your landlord, you may want to seek legal advice. There are legal aid offices in every state that help low-income persons. You can search for a legal aid office near you here.

Link to this FAQ: https://affordablehousingonline.com/housing-help/I-Must-Move-For-Medical-Reasons-Landlord-Will-Not-Let-Me-Out-Of-Lease

There is no market rate value of a security deposit. The security deposit amount is the landlord's decision, but many states have a law that sets a maximum amount (usually two month's rent).

Check your state's law on the maximum amount a landlord can charge you for a security deposit.

Link to this FAQ: https://affordablehousingonline.com/housing-help/can-landlord-charge-market-value-security-deposit

Foster Youth to Independence (FYI) is an initiative to provide housing assistance and supportive services to at-risk young adults aging out of foster care. The FYI initiative was announced in July 2019 as a result of a meeting between HUD Secretary Ben Carson and the Fostering Stable Housing Opportunities (FSHO) Coalition led by ACTION Ohio and the National Center for Housing and Child Welfare.

Under this initiative, the U.S. Department of Housing and Urban Development (HUD) will provide additional funding to public housing authorities (PHAs) to prevent homelessness in young adults aged 18 to 25.

The FYI initiative is similar to a provision in the existing Family Unification Program (FUP). As a result, PHAs participating in the FUP are not eligible for the Foster Youth to Independence initiative. The FYI initiative gives HUD the authority to strategically allocate funding to rural and under-served communities.

Details on eligibility and policy procedures for the FYI initiative were issued by HUD in Notice PIH 2019-20(HA).

Link to this FAQ: https://affordablehousingonline.com/housing-help/what-is-foster-youth-independence

Yes, there are homeownership programs that help guide qualified persons to purchase their own home, and HUD's website provides a great amount of advice for future homeowners; including what programs are available, how to get a loan, other information about the process of purchasing a home.

• HUD's homeownership web page provides a wealth of information for anyone looking to purchase a home; starting with determining how much you can afford, all the way to closing on your new home.
• Some housing authorities that participate in the Section 8 Housing Choice Voucher program offer a homeownership program for qualified current HCV tenants. Contact the housing authority that manages your voucher, and ask if it offers a Section 8 homeownership program. You can use the search bar on the top of this page to search our website for housing authority contact information.
• Some housing authorities that participate in the Public Housing program offer a homeownership program for available Public Housing units. The housing authority may restrict purchases to only current qualified residents. Contact the housing authority in your area of interest, and ask if it offers a Public Housing homeownership program. You can use the search bar on the top of this page to search our website for housing authority contact information.

Link to this FAQ: https://affordablehousingonline.com/housing-help/Is-there-a-housing-program-to-pay-towards-owning-a-home