Programs that provide loans for income-eligible people who want to repair or modify their homes or mobile homes to make them energy-efficient, attractive, safe and free of health hazards; or which help eligible individuals find loans for this purpose. Most loan programs cover major repairs, system upgrades and replacements (e.g., plumbing, heating or electrical systems) but not minor repairs. Included are conventional home rehabilitation loans, deferred loans (in which payments are deferred until the home is sold) and forgivable loans (in which all or a part of the loan is forgiven if the borrower resides in the home for a specified period of time). The forgiven part of a forgivable loan amounts to a contingent grant. If the borrower sells the home prior to the specified time period, all or part of the loan is due. A common variation is to have portions of the loan forgiven gradually over a period of years.

Programs that provide assistance in the form of labor and supplies for people who need to make major repairs to their homes or upgrade/replace entire systems to eliminate health and safety hazards (such as gas leaks, outdated or hazardous electrical wiring and plumbing) or to improve their security e.g., by installing fences or fixing/replacing broken doors or windows. Typical services include major roofing repair and/or replacement; electrical and plumbing upgrades or repairs; septic system improvements; heating and air conditioning system repairs; flooring, tile or wall repairs; and interior and exterior painting that is part of the home rehabilitation process. Most programs do not handle minor repairs. Age, income, disability, need or other eligibility requirements may apply.

Programs outside of HUD that provide direct or guaranteed housing loans for low-income families who do not have sufficient resources to purchase a home for themselves and who could not otherwise secure credit for this purpose.

City, county, or state housing offices that provide information about eligibility for and vacancies in the subsidized housing properties that are under their jurisdiction. Housing authorities accept Section 8 applications, provide Section 8 vouchers, make approved Section 8 rental payments and administer public housing communities while in certain rural areas, the housing finance agency may play this role.

Individuals whose ethnic background and ancestry are that of the tribal, aboriginal peoples who originated in what is now the United States. Included are Native Americans who are living on or off reservations in rural and urban areas.

Individuals and families of Native American descent who have needs and interests in common based on living in areas recognized by the federal or a state government as being set aside for the use of Native Americans and governed by Native Americans.