Section 8 - The Home Ownership voucher program
The US Department of Housing and Urban Development (HUD) offers Section 8, Housing Choice Vouchers to assist low and moderate income individuals with disabilities get homeownership or adequate rental housing.
Section 8 can be viewed as a subsidy program due to the limited income of many disabled people. If you are currently on Section 8 contact the Housing Specialist assigned to your account for more information about the Section 8 Homeownership program.
Federal National Mortgage Association (Fannie Mae) offers many mortgage products and initiatives to provide homeownership opportunities for people with disabilities or with family members who have disabilities. A popular mortgage is the Community HomeChoice mortgage. This is a single family mortgage loan program designed for low-to-moderate income persons with disabilities, or for a person who has a family member with a disability. The program offers flexibility in terms of loan-to-value, credit history, down payment sources and qualifying ratios.
The N.O.A.H. Foundation
The National Opportunities for Affordable Housing Foundation, or N.O.A.H., is a nonprofit agency that educates buyers and has a special focus on affordable housing and assistance with downpayments and closing costs. Email them at FreeMoney@NOAH-DPA.org
Homes for Our Troops
This is a non-profit organization that provides individually adapted homes for severely injured, and disabled veterans at no cost. The program is supported by donations from cooperate building industries, and commercially organized donors. Visit https://www.hotusa.org.
Habitat for Humanity
The nonprofit Habitat for Humanity builds accessible homes for the disabled and other people in need. Homes are constructed by volunteers and recipients get favorable mortgage loans that are cosponsored by private donations and a variety of local, private, state and federal resources. Go to http://www.Habitat.org for more information. Homes cost much less due to the volunteer labor.