If you want to have your own house and you think that you cannot afford buying it, apply for federal housing grants for individuals. This is one of the first types of government grants that has enabled low income group of people buy houses in the urban area. If you want to apply and get this grant money, both you and your house will have to pass the standards set for them by the government. Also, you should be employed and must be making enough money to pay the installments comfortably. In addition, you must be having good credit score and your house must meet the quality standards set and the price should be below the value cap.
There is another type of housing grants offered that allow moderate income group of people buy a house in the rural area. If your house is situated in a rural area and meets the basic valuation requirements, you can apply for these grants. Your household monthly income should fit in specific income range and you should be having good credit score and a steady income to repay the installments in time. Just keep in mind that you have to qualify for the grants and meet their requirements to apply for them.
Federal housing grants for individuals are not the only source of funding for your new house. There are other resources that can be made use of and for this you need to do some research work. Visiting the HUD department of your area will also help you a lot in this direction. Visit the legitimate website of your state government and find whether they have anything to offer for people like you or not.
There are some private businesses and non-profit organizations also that can provide funding to buy a new house. Making use of all the resources, find out all the grants and financial aids that are available and accessible. Prepare a grant proposal that is impressive and helps to persuade the panel of the federal housing grants for individuals that you are going to apply to consider you the most appropriate candidate for the grant money.