There is often a tug of war between rent, food and utilities. You need food to live, a home so your family can thrive and heating/cooling to ensure your health. Making the rent every month can be such a challenge without loans and grants for rural families when funds are limited due to a temporary or continuous setback.
Families need a home that is affordable, so every family member can have a consistent sense of stability and safety. And it is not just about having a roof overhead.
Housing needs to be free of infestations, exposed wiring, peeling paint and holes. Low-income families in rural areas are eligible for rent help and home buying assistance from the government.
Read on to discover why a stable home is invaluable to you and your family’s well-being. We will explore the Department of Labor’s Rural Development Office programs available to get the help you deserve in creating a stable environment to thrive and grow toward your bright future.
There are numerous loans and grants for rural families.
The value of stable housing
When family members are impacted by low-quality housing, other household members feel the stress. Parents may be distracted when interacting with their children because they are so worried about the future/reliability of their employment, housing and sanity.
Children are particularly vulnerable and their lives may be shaped by constant upheaval. This can be seen in an increased number of emotional challenges, such as depression and anxiety. This stress could also affect their education.
Teenagers who move around too frequently score lower in core academic subjects. Adults, teens and children suffer when affordable housing is not accessible. Although the government does all it can to ensure affordable housing, only one in four families who are qualified for housing assistance, including vouchers and public housing, get it.
By having a stable home, families can begin their journey out of poverty. With an address, employers are more likely to hire. Children can attend better schools though loans and grants for rural families.
Many families, especially those in rural areas, can gain financial freedom and emotional security that will begin an undeniable legacy of success for future generations.
Rural poverty
The sounds of crickets and starry nights evoke a love for nature. Many who live in cities or the suburbs do not see the darker side of rural living: poverty.
Urban areas generally are thought to be where many go in search of economic opportunities. However, most low-income families live in rural areas. Most low-income families around the world live in rural areas where loans and grants for rural families are not even a consideration.
Some of these low-income families are landowners who are struggling to keep their land. Others are workers who take on the unsteady work that goes along with farming and day laboring. This may result in unregulated landlord/tenant arrangements.
Given the secluded nature of rural living, many families may feel that their struggles are invisible.
The term rural is widely open to interpretation. A rural area is marked by open plots of land and sparse housing, and the government considers an area to be rural if it has fewer than 10,000 residents. In special cases, a population of up to 25,000 can be counted as rural if the town is up to 25 miles from a major city.
Multi-family housing
When you are struggling to pay for rent, utilities, and food at the same time, you may be eligible for government assistance programs that focus on loans and grants for rural families. Multi-Family Housing Rental Assistance is part of the Department of Labor’s Rural Development Office.
When low-income tenants are unable to pay their rent in full, the program provides payments to owners of USDA-financed Rural Rental Housing of Farm Labor Housing projects. By law, project owners who have received part of their new construction financing through Rural Rental Housing or Farm Labor Housing must participate in this program on a non-profit or limited process basis.
The government, via the Rural Development Program, makes payments for the tenants that will be part of the property’s income, which goes toward operational expenses, such as payroll and insurance.
Single-family housing
Single-family homes are also within reach for low-income families living in rural America. Through the Rural Development Office, families and individuals can have the opportunity to buy, build and repair their own affordable homes with loans and grants for rural families dependent on income and the median income for each area.
The government provides these funds so health and safety hazards can be removed, necessary repairs can be performed, and homes can be modernized through weatherization and disability access.
Why it matters
The government recognizes the need for affordable housing in urban and rural areas. The Rural Development Office’s program provides grants and loans to developers to ensure that rural towns, villages and communities can provide residents with accessible and safe housing. Seniors, the working poor and disabled citizens will greatly benefit. Small businesses may be able to thrive with a steady stream of customers. Although America is one of the richest countries in the world, many low-income families still need assistance as they battle temporary or consistent setbacks.
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