Man moving boxes from moving truck into home

15 Low-Income Moving Assistance Programs And Resources

Miranda Crace6-minute read

July 12, 2021

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Moving your family during a time of difficulty is a large undertaking. Residential mobility is not only affected by the circumstances and needs of your family, but especially by financial implications. In 2021, it’s projected that 13.7% of the population will sit below the Supplemental Poverty Measure (SPM) threshold.1 The SPM compares the availability of financial resources and current poverty thresholds in the United States.

Whether you are planning to move locally or across several states, it can involve a multitude of expenses, from taking out a mortgage to hiring movers. Before making this large decision, it’s important to determine if you are able to afford your new home.

However, low-income moving assistance can be used to help keep down the costs and support you during the process of moving. Finding a program or charity that works for your situation can help carry some of the stress of moving, whether it be financial or physical help. From low-income grants to charity programs, there are plenty of both local and national resources available.

Table of Contents

Moving Grants for Low-Income Families

There are many opportunities to receive free housing grants that can compensate for transportation and housing expenses for families in low-income situations. Here are some of the best resources that can provide you with relocation assistance. 

1. What Is A Relocation Grant? 

A relocation grant can be used by lower income individuals and families to partially relieve some financial burden. These grants may be offered through private nonprofit organizations as well as through federally funded programs. The programs may also differ depending on where you are planning to relocate. 

2. New Employee Grants

Many employers offer stipends or reimbursements that are to be used for relocation expenses, depending on the occupation and circumstances. Compensation may also be given in the form of temporary or permanent housing.

The Trade Adjustment Assistance Program (TAA) offers relocation allowances to those affected by job loss through the American Job Center. To receive these services, search through the AJC service locator to find a center near you or contact their service hotline.

"A quarter of survey respondents who relocated for work received employee compensation for moving expenses."

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How to apply: Contact your employer for more information about specific new employee grants available to you. 

3. Modest Needs Grants

Modest Needs is a nonprofit organization that provides financial assistance for families and individuals that aren’t eligible for conventional social assistance. The organization can provide transportation grants for those that are unable to afford moving assistance. 

How to apply: To apply for a grant, you’ll need to submit an application through their official website. You’ll need your most recently filed tax return or bank statement and income documentation to complete the online application.

4. Emergency Solutions Grants

The Emergency Solutions Grant (ESG) program is supported by federal funds that are used to provide aid to those that need rental assistance, emergency shelter, house search and placement, and related services. ESG also provides services for both individuals and families that are at risk of homelessness.

How to apply: The application process will depend on where you currently reside. To find out more information, go to your state’s official department of commerce website and search ESG to find the state’s online application and requirements checklist.

Charities That Help With Moving Expenses

cartoon of couple carrying couch

Countless charities offer financial assistance for low-income families and individuals. Some of these charities offer short-term aid, while others provide more long-term funding, depending on the program and individual circumstances.

5. Catholic Charities USA

There are currently 160 Catholic charities in the United States, which include grants and financial programs for low-income individuals. Catholic Charities USA runs both private programs and works in partnerships to provide resources and grants.

How to apply: Start by searching Catholic charities in your local area to find one that works for your financial needs, either by state or county. Most Catholic charity organizations offer assistance for low-income families and those in job transitions. 

6. Salvation Army  

The Salvation Army is one of the largest nonprofit organizations in the country, and provides short-term financial resources for those in need. Its Housing Now program specifically offers home assistance for low-income families, including rental and housing assistance.

How to apply: To apply, check which Salvation Army center near you offers moving assistance. You’ll need to set up an appointment at that specific center beforehand to complete the application process. For the application, you’ll need photo identification, relocation information, low-income status and proof of residence such as a security deposit document. 

7. YWCA

The YWCA works to strengthen women’s empowerment and civil rights in the United States. The organization offers financial moving assistance for low-income individuals, especially for women who plan to invest in a home.  

How to apply: To be eligible for financial moving assistance, you must live in proximity to a YWCA office. Search your location and from there, you’ll be able to navigate to the office’s website to view the housing resources available to you. These services will be categorized under the “Supportive Housing” tab. 

8. Housing Industry Foundation 

The Housing Industry Foundation provides help to those in need of stable housing. The foundation offers financial assistance for low-income families and individuals through its Housing Emergency Fund

How to apply: To apply for a Housing Emergency Fund grant, you’ll need to apply for assistance through the official website. The foundation accepts applications from community members and works directly with partner agencies to provide additional financial assistance. 

Government Benefits For Low-Income Families

The United States government offers many benefits for low-income families to utilize. In particular, the Department of Housing and Urban Development (HUD) funds several programs that provide relocation housing and rental assistance. For more detailed information on each service, it’s best to navigate to the official HUD website.

woman speaking to client

9. Rural Housing Service  

The USDA’s Rural Housing Service has several programs that assist in grants and relocation loans for single individuals and families in rural areas. The moving agency has partnerships with other nonprofit organizations and agencies to provide services. These grants and loans may be used for moving expenses. 

How to apply: To apply for a grant or loan, you must be in proximity of a local agency office or center. The application process will differ depending on the size of your family and the circumstances of your relocation. Information needed for the application includes family size and income eligibility documentation.  

10. Veterans Affairs Relocation Assistance Program 

The Department of Veterans Affairs can offer full relocation assistance for those who have served in a branch of the armed forces. The VA works to offer the best relocation plan, depending on your situation. Veteran moving assistance may be allocated through your local branch agency. 

11. Federal Relocation Assistance Program 

You may receive money for moving expenses through federal aid. The Federal Relocation Assistance Program protects those affected by the acquisition or demolition of their property. The program provides funds for transportation costs and a security deposit.

How to apply: You must apply for a grant through the official website. Search the relocation claim form directory and fill out this application for residential moving and housing expenses. 

12. The Good Neighbor Next Door Grant

This particular grant is supported by HUD. The funds are pooled together to support teachers, law enforcement officers and emergency medical technicians. These groups may purchase homes for 50% off the listing price and can receive coverage up to 50% on their moving expenses.

How to apply: To be eligible for the grant, you must be in a single-family home that is listed in one of the revitalization areas. You must also agree to reside in the home for 3 years, while annually submitting your residency to the program. 

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Affordable Housing Resources

HUD offers several resources for those seeking assistance for relocation expenses. HUD also provides affordable housing opportunities to low-income groups. The abundance of these resources will differ from state to state, so it’s important to review your state’s official website for more information on specific requirements and steps.

"April 2021, HUD allocated nearly $700 millionth provide affordable housing to low income-families."

13. Privately Owned Subsidized Housing 

This type of housing is operated privately by lenders who receive subsidies while leasing to low-income individuals and families. You may search for subsidized housing through the HUD location website and apply for housing through the apartment’s management office.  

14. Public Housing Funds

HUD offers affordable apartments for low-income families and individuals. To apply for the housing voucher, contact a public housing agency in your local area. 

15. Housing Choice Voucher

The Housing Choice Voucher allows families to both lease and purchase affordable and safe housing with low income. You may receive the voucher by contacting a public housing agency in your area.

Moving and relocating your family can easily stretch your finances. Apply for your home loan before searching for moving assistance grants to visualize your financial plan. Then, start the applications for these grants and relocation loans to allow processing time for receiving assistance.

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Miranda Crace

The Rocket Mortgage Learning Center is dedicated to bringing you articles on home buying, loan types, mortgage basics and refinancing. We also offer calculators to determine home affordability, home equity, monthly mortgage payments and the benefit of refinancing. No matter where you are in the home buying and financing process, Rocket Mortgage has the articles and resources you can rely on.

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