HOME Investment Partnerships Program (HOME)
The HOME Investment Partnerships Program represents the largest federal block grant dedicated to expanding affordable housing for low-income households. Rather than distributing funds directly to individuals, HOME allocates resources to state and local government agencies, which then develop their own housing initiatives tailored to regional needs and priorities. This decentralized structure allows communities to design programs that address their specific affordable housing challenges.
Local HOME programs typically offer several forms of assistance to eligible households. These may include down-payment and closing-cost help for homebuyers, rehabilitation support to improve existing homes, or funding for the construction and preservation of affordable rental properties. The specific nature of assistance—whether structured as a grant, forgivable loan, or subsidized financing—varies depending on how each locality designs its program. Eligible applicants must generally meet income thresholds established by the local administering agency.
Individuals seeking HOME-funded assistance should work directly with their state or local housing authority or community development agency. The application process operates through these official channels, and legitimate HOME programs charge no fee to apply. Eligibility requirements are income-based and competitive; qualification depends on household circumstances and the availability of resources within a specific locality. Prospective applicants benefit from contacting their local housing agency early to understand what programs operate in their area and what documentation an application requires.
Avoid grant scams
Legitimate grants are free to apply for. Walk away from anyone who:
- guarantees you a grant, or says you were 'selected' for money you never applied for;
- charges an upfront 'processing', 'application', or 'grant kit' fee;
- asks for your bank-account or card number to 'deposit' a grant;
- pressures you to act immediately.
Verify any program directly at its official .gov site, and report fraud at reportfraud.ftc.gov. More on our grant-scam awareness page.
Official sources: HUD — HOME Investment Partnerships Program. This page is educational information, not financial or legal advice; grants are competitive and never guaranteed. See our sources & how-we-work policy.
Frequently asked questions
Who qualifies for home investment partnerships program (home)?
Low- and moderate-income households served through local programs such as down-payment assistance, home repair, or affordable rental housing. Open to women and men alike..
Does home investment partnerships program (home) have to be repaid?
This is varies by local program; often a grant or forgivable assistance under set conditions. Grants generally do not have to be repaid, but they are competitive and eligibility-bound.
Is there a fee to apply?
No. Applying for legitimate funding is free. Anyone charging a fee to 'get you a grant' is a scam — see our scam-awareness page.
How do I apply for home investment partnerships program (home)?
Contact your state or local housing/community-development agency; learn more at hud.gov.
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