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Key Features of HUD ’ s Low Income Programs

Key Features of HUD ’ s Low Income Programs. Emily Cooper Technical Assistance Collaborative, Inc. Findings from Priced Out in 2010. Approximately 4.5 adults in U.S. with disabilities receive SSI equal to an average of $703/month

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Key Features of HUD ’ s Low Income Programs

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  1. Key Features of HUD’s Low Income Programs Emily Cooper Technical Assistance Collaborative, Inc.

  2. Findings from Priced Out in 2010 • Approximately 4.5 adults in U.S. with disabilities receive SSI equal to an average of $703/month • People with disabilities receiving SSI are among the lowest income – 18.7% of the national one-person household median income in 2010 • SSI income equal to an hourly wage of $4.09 2

  3. Income of People with Disabilities on SSI Median Income 50% of Median Income 18.7% of Median Income 3

  4. Housing Crisis for People with Disabilities • On average, in 2010, people with receiving SSI had to pay 112% of their monthly income to rent a one-bedroom unit • The federal standard for affordability is 30% of income for housing costs • In 2010 there was not one single housing market in the US where a person with a disability receiving SSI could afford to rent a modest housing unit 4

  5. Housing Affordability for People with Disabilities • IF affordability is defined as paying no more than 30-40 percent of income towards housing costs • THEN SSI recipients should pay no more than $210- $280 towards housing costs (including all utilities) • SSI recipients need subsidized housing 5

  6. Two Subsidized Housing Approaches • Project based • Specific building/unit is subsidized • Person must live in the building/unit in order to get assistance with rent • Example: federal public housing • Tenant based • Subsidy is tied to the person • Subsidy is portable and can move with the person (within program limits) • Example: Housing Choice Vouchers

  7. “Affordable” Housing • High quality buildings – often new or renovated • Usually contain handicapped accessible units • “Affordable” – but may not be affordable to people with incomes at 30% of the area median or below • Operating or project-based subsidy needed to ensure rent is affordable to extremely low income people"

  8. Common Federal Resources to Create Subsidized Housing • HOME Investment Partnerships Program • Community Development Block Grant • Low Income Housing Tax Credits

  9. HOME • Distributed to States and Localities (known as Participating Jurisdictions) through a block grant formula allocation • Can be used for: • Rental Housing Production • Rental Housing Rehabilitation • First-time Homebuyers assistance • Rehabilitation loans for homeowners • Tenant-based rental assistance • Example: HOME funds to create rental housing for persons with incomes at 50% of the area median

  10. Community Development Block Grant (CDBG) • Distributed to States and Localities (known as Entitlement Communities) through a block grant formula allocation • Can be used for: • Housing Rehabilitation • New housing construction by non-profits • Acquisition land and buildings • Public facilities (e.g. shelters) • Code enforcement • Creating Accessibility • Public Services (capped at 15%) • Example: Grant pool to fund accessibility modifications to rental housing for people with disabilities

  11. Consolidated Plan • Five year “master plan” for administering CDBG, HOME, and other key resources • Developed by state and local community development officials • Strong requirements for citizen participation and consultation with service providers as well as plans for affirmatively furthering fair housing

  12. Low Income Housing Tax Credits • At the federal level, administered by the IRS within the Department of Treasury • Credits allocated to each state and administered by state Housing Finance Agencies (HFAs) • HFAs must complete a Qualified Allocation Plan (QAP) that guides the program • State awards credits to housing projects proposed by developers who must agree to meet “affordability” requirements for a 15-year compliance period • Primary goals of the LIHTC program is to create “mixed-income” housing • a minimum number of units affordable to households with incomes of 50%- 60% of median income and below are required in each LIHTC project

  13. Common Tenant-Based Resources • HOME tenant-based rental assistance • Administered by state and local governments • Can be used for special populations • People who are homeless • People transitioning from nursing homes/institutions to the community • Housing Choice Vouchers (HCVs) • Formerly known as Section 8

  14. Housing Choice Voucher Program Laure Rawson Director Housing Voucher Management and Operations Division

  15. Section 811 Supportive Housing for Persons with Disabilities Program: Now and the Near Future Fred Karnas and Aretha Williams

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