Low Income Housing Assistance in New Jersey

Housing assistance in New Jersey for single mothers

The Department of Community Affairs in the State of New Jersey is held accountable for housing assistance to poor single mothers who earn little income that is insufficient for provision of housing. The department helps alleviate the problems of homelessness that prevail among the mothers in the state, provide temporary housing to those in need of them and again provide permanent housing to the eligible individuals or families.

The Department of Community Affairs, in helping with housing needs, manages various programs including but not limited to Housing Choice Voucher Program, Homelessness Prevention Program, Emergency Housing Grant, Family Self-Sufficiency Program, State Rental Assistance Program and Section 8 Homeownership Program. The main target of the entire spectrum of programs focus is the provision low-cost housing of high quality to those in dire need. These needy people include single mothers, disabled, the blind and the aged citizens of the state.

The programs are highlighted below;

Housing Choice Voucher Program

This is the common program which has been initiated by the United States’ federal government in an effort to lessen the problems of hunger affecting a larger portion of poor Americans. The program is commonly known as Section 8 Housing Choice Voucher Program (HCV). Its main focus is on helping the needy single moms with direct rental assistance. The assistance is made directly to the landlord and it covers the utilities and the rent of a room.

With the HCV program, the single mom is liable to find any room of her choice without any restrictions of the place to choose. However, since the program is being controlled by public housing agencies as contracted by the state, there may be jurisdictions. Nevertheless, the program offers a free movement within the jurisdictions of the housing authority applied with.

The room that the mom has to find must be approved prior to occupation. It has to be in line with the standards as stipulated by the Housing and Urban Development (HUD) of the United States. There are also standards of payments for rental assistance in line with the market trend. The house has to be within the limits. Furthermore, the room must be healthy and safe for tenant accommodation.

Once the room has been approved accordingly, the program will pay directly to the landlord the amount of rent determined to be sufficient for helping a low-income single mom. The mom has a contribution which, by law, shall be 30% of her monthly income. It will cover both the utilities and the rent. Visit the site http://www.state.nj.us/dca/divisions/dhcr/offices/section8hcv.html.

Before applying for the program, make sure you comply with the requirements of the program. That can be confirmed with the nearest housing authority in any county of the State of New Jersey.

Shelter Housing Exit Program

There are some single moms who are normally housed in shelters due to reasons pertaining to domestic violence. This program aims to help these mothers to own the rooms of their own. It therefore assists them with rental payments and deposits to secure apartments. It helps them transition from the constraints of domestic violence to a better life free of domestic violence.

For approval of application in the program, the mothers need prior referral from Domestic Violence Agency (DCA). Furthermore, the program is offered on the basis of income limits where the income of the mother is required to be equal to or below 80% of the median income determined by HUD.

The program is co-managed by the Division of Housing and the Division of Women. There is long- and short-term assistance. For short-term assistance, the women is helped with rental payments for up to 2 months and the long-term assistance the mother is helped for up to 2 years.

Family Self-Sufficiency program for single moms in NJ

The single mothers who have been approved for Section 8 HCV program are given this program in order to work their plans of becoming independent and therefore exit the program. There are education programs, social services programs, job training and career opportunities and counseling. The Department of Human Services also helps in providing assistance programs to these moms. The program is voluntary, and it exists for only 5 years.

State Rental Assistance Program for single moms in NJ

This program is only available in the State of New Jersey, and its focus is similar to the federal HCV program. No individual shall be awarded the state’s program and the federal’s program concurrently. This rental assistance program has project-based and tenant-based rental assistance.

To be approved into this program, a single mother has to have an income below 30% of the area median income limits to be regarded as the extremely poor resident and therefore feature among the 75% of the recipients of the program. The 25% of the program is offered to single whose incomes exceed 30% but less than 40% of the median income.

The program helps the mothers for a period of 5 years. The period can be reduced if the federal HCV program is active. However, the disabled and the aged single mothers shall have the program forever. The aged single mothers are the ones with ages over 62 years old.

Section 8 Homeownership program for single mothers

The program receives funds from the HUD. The participants of HCV program are provisionally eligible for the program. Nevertheless, there are some additional requirements which may have not been asked in the HCV, and these include but not limited to first time homebuyer.

The voucher used for HCV will be used for this program to enable the mother to own the house of her own. The homeownership expenses include mortgage debt, insurance, utilities, taxes and others. For more information on the program, visit http://www.state.nj.us/dca/dhcr/offices/section8ho.html.

Homelessness prevention program for single moms in NJ

The program is meant to help the single mothers who are on the verge of homelessness, experiencing foreclosure, or eviction on account of non-payment to landlords and mortgage companies. The program gives them a temporary financial assistance to cover the arrears with those entities. Only low-income mothers are helped out of the situation.

Single moms in the State of New Jersey are given freedom to rent in any apartment of their choice with the HCV program. Other programs as well play a huge part in helping these moms out. For the mothers to apply, they need to apply to do that with their local housing authority. Most of the programs are funded by the Housing and Urban Development Department of the United States. That said, more info can be found on the departmental website on http://www.hud.gov.

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