While many homeowners grapple with costly repairs, a few qualify for up to $10,000 in grant aid, including people with disabilities supported by local churches.
You can verify eligibility instantly with the income-and-ownership calculator, which checks the 62-plus age rule and the 50 % county-median income limit. Next, discover the exact documents required and the reporting steps that keep your funding on track.
Key Takeaways
- Grants range from $10,000, increasing to $15,000 in designated disaster counties, with combined assistance caps of $50,000–$55,000 for Section 504 repairs.
- Eligibility requires primary‑owner occupancy, household income ≤ 50 % of county median, or age 62 + for grant eligibility.
- Required documents: RD 3550‑35, RD 410‑4, deed or mortgage, utility bill, income verification, and ID or birth certificate for age proof.
- Submit the complete packet by phone (573‑876‑0990), email (RD MO‑General Inquiries), or through the online MHDC portal for pre‑qualification.
- Review takes 8‑12 weeks; funds are disbursed 10‑15 days after approval, with post‑completion reporting required within 60 days.
Define the Missouri Housing Grant
What’s the Missouri Housing Grant? Established in 1994 by the state legislature and run by the Missouri Housing Development Commission, the program draws its funding from a $3 recording fee on every Missouri real-estate document, with added support pathways for food services access and people with disabilities.
You’ll notice the grant origins stem from a statutory levy that captures a $3 recording fee and redirects it to housing assistance.
The funding mechanism pools this fee, allowing MHDC to offer up to $40,000 low-interest (1%) 20-year loans and up to $10,000 grants, increased to $15,000 after disasters, with a combined ceiling of $50,000 or $55,000 in emergency zones for qualifying homeowners.
Who Is Eligible for a Missouri Housing Grant?
If you own and occupy a home in a county where your income is at or below the very‑low‑income limit, you qualify for the Section 504 Home Repair loan and grant.
If you’re 62 or older, you can apply for a grant of up to $10,000 ($15,000 in disaster areas) for health‑ and safety‑related repairs, provided you meet the same income and occupancy criteria.
Developers, nonprofits, and rural applicants verified through the USDA site may also receive Missouri Housing Trust Fund grants, with disaster‑designated counties allowing combined assistance up to $55,000.
Income and Residency Requirements
Because you must be the legal homeowner who lives in the house as your primary residence, eligibility hinges on tight income and residency thresholds.
Prove ownership with recent tax returns and verify primary status with utility bills.
Your household income must be ≤ 50 % of the county median.
Grants require age 62+, while loans accept any age if the income limit is met.
- Legal homeowner occupying the home as primary residence.
- Income ≤ 50 % of county median, documented via tax returns.
- Age 62+ for grants; any age for loans, subject to income.
- Rural eligibility confirmed through official USDA site and utility‑bill proof.
Targeted Demographic Groups
Building on the income and residency criteria, eligibility expands to distinct demographic groups.
You qualify if you own and occupy a home with very‑low‑income status in urban or rural areas.
Homeowners 62 or older—including senior veterans—receive up to $10,000 (or $15,000 in disaster zones) for health‑related repairs.
Disabled families meeting the same income threshold also access the Section 504 grant.
First‑time buyers who meet income limits obtain a forgivable second‑mortgage of 4 % of the loan, if you stay ten years.
Qualified developers or nonprofits with proven capacity may tap the Missouri Housing Trust Fund for rehab or new rental projects.
Use the Income & Ownership Calculator to Confirm Eligibility
You’ll input your household income and the calculator will compare it to the county’s very‑low‑income ceiling—$26,500 for St. Louis County in 2023—to confirm eligibility.
It then cross‑checks the deed and primary residence address you provide to verify owner‑occupancy.
If either test fails, the system automatically disqualifies you from the 504 loan and grant programs.
Check Income Limits
If you input your county and household size into the Income & Ownership Calculator, it instantly compares your total annual income to the Missouri Housing Development Commission’s very‑low‑income limit—about $22,000 for a four‑person family in most counties.
The tool applies county comparisons and inflation adjustments to keep thresholds current.
- Verify your household income stays at or below the very‑low‑income ceiling.
- Confirm the calculator matches your county’s specific limit, which may differ from neighboring counties.
- Check that USDA rural‑area criteria are met if you live outside urban zones.
- Provide pay stubs or tax returns to support the calculator’s income figure.
Verify Home Ownership
Since the Section 504 Home Repair program requires applicants to be both homeowners and primary occupants, the Income & Ownership Calculator confirms ownership status instantly.
You enter your property address and the tool runs a title search and deed verification, matching county records to your name.
It then cross‑checks your household income against HUD’s very‑low‑income limit for your county, flags any excess, and validates age 62 or older.
Rural applicants receive USDA site validation.
Automatic disqualification alerts stop ineligible loan requests up to $40,000 or grant applications up to $10,000, ensuring compliance.
You’ll meet all criteria before submitting the final application today.
Required Documents for Your Missouri Housing Grant Application
How do you assemble the paperwork for a Missouri Housing Grant?
Follow a strict document checklist: complete RD 3550‑35 and RD 410‑4, attach proof of ownership, verify income, and provide age or disaster documentation, then sign and date each form.
- RD 3550‑35 and RD 410‑4 application forms, signed with digital signatures.
- Deed, mortgage statement, or utility bill confirming ownership and residency.
- Recent pay stubs, tax returns, or benefit award letters proving income eligibility.
- Government‑issued ID or birth certificate (62+), plus FEMA disaster notice for disaster grants.
Mail the complete packet promptly today to the Missouri State Rural Development Office; missing items delay processing.
Where Can You Get Help With a Missouri Housing Grant Application?
You can call the MHDC office at (816) 759‑6600 or email their Advisory Committee for direct guidance on the 504 grant requirements.
Visiting your local Rural Development office gives you in‑person access to the required forms and certified packagers who’ll file the 504 Automated Worksheet for you.
The state’s online application portal also lets you upload documents and track status, streamlining compliance with the NOFA timeline.
Contact MHDC Office
Reach out to the Missouri Housing Development Commission (MHDC) office at 1201 Walnut St., Suite 1800, Kansas City, MO 64106 for in‑person help with your grant application.
- Call +1 (816) 759‑6600 for phone support on eligibility, documentation, and deadlines during office hours.
- Ask staff to confirm the current NOFA release date and submission schedule.
- Request a referral to the nearest Rural Development office for hands‑on application assistance.
- Email the general MHDC contact for electronic forms, guidelines, and upcoming compliance webinars.
These options streamline your application, ensuring you meet statutory timelines and utilize resources efficiently through direct assistance from MHDC.
Visit Rural Development Office
Where can you get hands‑on help? You can walk into the Missouri State Rural Development Office—phone (573) 876‑0990, email RD MO‑General Inquiries—and receive in‑person assistance with Section 504 Home Repair grant forms RD 3550‑35 and RD 410‑4.
Every county hosts a local RD office year‑round; staff verify USDA eligibility, complete the 504 Automated Worksheet, and explain loan‑grant combos up to $50,000 ($55,000 in disaster zones).
Appointments are free, on‑spot, and scheduled during regular Office hours.
Parking availability is typically ample, with designated spots near the entrance, ensuring quick access to services.
Bring identification, proof of income, and property tax statements to speed verification today.
Use Online Application Portal
How can you get real‑time assistance while browsing the Missouri Housing Development Commission’s online portal?
You can click the live‑chat icon, call the MHDC Help Desk at +1 (816) 759‑6600, or use the Spanish Help Center for bilingual support.
- Call (573) 876‑0990 to schedule in‑person RD office help, ensuring mobile compatibility via phone.
- Watch step‑by‑step videos on the 504 Automated Worksheet page, which includes accessibility features.
- Join monthly MHDC Advisory Committee webinars; recordings embed captioning for accessibility.
- Access downloadable FAQs from the Resources tab; they load quickly on tablets and smartphones.
These resources satisfy policy goals, ensuring equitable, efficient grant filing for applicants.
Apply in 5 Simple Steps
Five straightforward steps guide you through the Missouri Housing Grant application, starting with confirming you’ve met Section 504 Home Repair eligibility.
Use the step checklist and online tutorial to verify low‑income status or age 62+ before gathering documents.
Collect RD 3550‑35, RD 410‑4, income and occupancy proof from your local Rural Development office.
Submit completed packet via phone (573) 876‑0990 or email RD MO‑General Inquiries, pre‑qualifying for faster processing.
Choose loan (to $40,000, 20‑year, 1% fixed) or grant (to $10,000, $15,000 in disaster zones).
After submission, monitor status with local RD office; once approved, funds are disbursed directly for repairs, improvements, or hazard removal.
Common Mistakes That Delay Approval
Why do some Missouri Housing Grant applications stall?
You often see delays when you miss required RD 3550‑35 and RD 410‑4 forms, omit proof of occupancy, skip the very‑low‑income worksheet, or exceed program caps, each adding weeks to review.
- Missing RD 3550‑35/RD 410‑4 forms or a late submission triggers a request for paperwork, extending processing by 14‑21 days.
- No utility bill or lease forces a 10‑14 day hold.
- Excluding the income‑limit worksheet leads staff turnover concerns, prompting request of supplemental documents, adding up to 30 days.
- Declaring amounts above $40,000 loan or $10,000 grant causes rejection, requiring a re‑submission and another 45‑day cycle.
How Much Money Can You Receive From a Missouri Housing Grant?
Up to $50,000 in combined assistance is available through the Section 504 Home Repair program, and the ceiling rises to $55,000 if you reside in a designated disaster area.
You can also tap Missouri Housing DPA, which forgives a second‑mortgage equal to 4 % of your loan, covering part of your down‑payment and closing costs.
For projects, MoHIP and AHAP impose funding caps ranging from $25,000 to $250,000.
Rural Development offices issue a $10,000 (or $15,000 disaster) grant that you repay if you sell within three years.
These grant limits and funding caps define the maximum aid you may receive.
How Long Does the Process Take From Application to Funding?
Knowing the funding caps, you’ll want to gauge how long the application process takes.
The timeline overview starts after the summer NOFA, giving you 60 days to submit, followed by an 8‑12‑week MHDC review, then a 10‑15‑day fund transfer, with optional pre‑qualification shaving 2‑3 weeks.
- 30‑45 days for a Section 504 decision, contingent on funding availability.
- 90‑120 days total when funding is limited, reflecting the commission’s prioritization.
- Pre‑qualification can cut 2‑3 weeks off the overall schedule.
- Final disbursement for forgivable assistance may add 2‑4 weeks for closing‑cost reconciliation.
Missouri Housing Grant Compliance: Reporting and Occupancy Rules
Because the Section 504 Home Repair loan or grant is contingent on owner‑occupancy, you must stay in the home as your principal residence; any grant over $10,000 in a disaster area must be repaid if you sell the property within three years. Submit the post‑completion report, RD 3550‑35, RD 410‑4, and receipts within 60 days; file quarterly reporting and annual certification. Non‑compliance forces full repayment of the grant.
| Requirement | Deadline | Form |
|---|---|---|
| Post‑completion report | 60 days | RD 3550‑35, RD 410‑4 |
| Annual certification | 12 months | Self‑statement |
| Quarterly reporting | 3 months | Progress update |
| Occupancy verification | Ongoing | Owner affidavit |
Track deadlines, amounts, and signatures using the matrix below today.
State-by-State Guide to Housing Grants and Down Payment Assistance
| Alabama | Alabama offers housing grants through the HOME Investment Partnerships Program and local housing authorities. Low-income families, seniors, and disabled individuals earning below 80% of the Area Median Income (AMI) typically qualify. Funds are distributed as down payment assistance or rehabilitation grants for owner-occupied properties. |
| Alaska | Alaska provides housing grants via the Alaska Housing Finance Corporation (AHFC) to assist with home purchases and weatherization. Eligibility requires applicants to meet specific income thresholds based on household size and geographic location. Benefits include closing cost assistance and direct grants to upgrade energy efficiency in rural homes. |
| Arizona | Arizona distributes housing grants through the State Housing Trust Fund to support affordable housing development and homebuyer assistance. First-time homebuyers earning up to 80% of the AMI qualify for down payment support. Funds operate as forgivable loans or direct grants applied directly at closing. |
| Arkansas | Arkansas administers housing grants through the Arkansas Development Finance Authority (ADFA) focusing on first-time buyers. Residents with incomes at or below 80% of the AMI and acceptable credit scores qualify. The program provides cash assistance for down payments and closing costs, often coupled with low-interest mortgages. |
| California | California offers substantial housing grants through the CalHFA program, including the Forgivable Equity Builder Loan. First-time buyers earning under 80% of the county AMI qualify for grants up to 10% of the purchase price. These funds are used for down payments and are completely forgiven if the buyer occupies the home for five years. |
| Colorado | Colorado provides housing assistance through the CHFA program, offering grants for down payments and closing costs. Applicants must meet local income limits and complete a certified homebuyer education course. The grants provide up to 3% of the first mortgage loan amount and do not require repayment. |
| Connecticut | Connecticut manages housing grants via the CHFA Time To Own program, offering forgivable loans for down payments. First-time homebuyers residing in the state for three years and meeting income caps are eligible. Participants receive up to $50,000 depending on the municipality, forgiven at 10% annually over a ten-year period. |
| Delaware | Delaware offers housing grants through the DSHA Preferred Plus program to assist with home purchases. Low-to-moderate-income buyers qualify for down payment and closing cost assistance. Benefits range from 2% to 5% of the loan amount, provided as a non-repayable grant at settlement. |
| Florida | Florida distributes housing grants through the State Housing Initiatives Partnership (SHIP) program for purchase and rehabilitation. Very-low to moderate-income households qualify based on county-specific AMI limits. Local governments distribute funds as zero-interest forgivable loans for down payments or emergency home repairs. |
| Georgia | Georgia provides housing grants through the Georgia Dream Homeownership Program to aid low-income buyers. First-time buyers, educators, healthcare workers, and active military meeting income and purchase price limits qualify. The program issues standard grants of $10,000, or up to $12,500 for targeted professions, towards down payments. |
| Hawaii | Hawaii offers housing assistance through the HHFDC to help residents manage high housing costs. Low-to-moderate-income households qualify for affordable housing initiatives and down payment assistance programs. Funds are utilized to subsidize closing costs and support the development of affordable rental units. |
| Idaho | Idaho manages housing grants via the Idaho Housing and Finance Association (IHFA) to assist first-time homebuyers. Applicants earning within county income limits and contributing a minimal personal investment qualify. The program provides up to 2.5% of the sales price for down payments and closing costs as a forgivable grant. |
| Illinois | Illinois offers housing grants through the IHDA Opening Doors and SmartBuy programs. Buyers meeting specific income caps and credit score requirements are eligible. The programs provide up to $6,000 in forgivable grants for down payments, often tied to a 30-year fixed-rate mortgage. |
| Indiana | Indiana provides housing grants through the IHCDA Next Home program to support affordable homeownership. First-time and repeat buyers meeting targeted income limits qualify for assistance. The program grants up to 3.5% of the purchase price to cover down payments and closing costs without repayment requirements. |
| Iowa | Iowa administers housing grants through the IFA FirstHome and Homes for Iowans programs. Buyers must meet strict income and purchase price limits based on the county of residence. Eligible participants receive a $2,500 direct grant or a percentage-based loan to assist with upfront homebuying costs. |
| Kansas | Kansas distributes housing grants through the KHRC First Time Homebuyer Program. Households earning below 80% of the AMI qualify for purchase assistance. The program issues a forgivable loan of up to 20% of the purchase price, provided the buyer remains in the home for ten years. |
| Kentucky | Kentucky offers housing assistance through the KHC Regular and Affordable Down Payment programs. Homebuyers with incomes at or below 80% of the AMI qualify for targeted grants. Benefits include up to $6,000 in assistance, issued as a forgivable loan over a five-year occupancy period. |
| Louisiana | Louisiana manages housing grants through the LHC Market Rate program to assist homebuyers statewide. Applicants with a minimum credit score of 640 and incomes within program limits are eligible. The initiative provides grants of up to 4% of the mortgage amount to cover down payments and closing costs. |
| Maine | Maine offers housing grants via the MaineHousing First Home Loan program to support local homeownership. First-time buyers meeting specific income and home purchase price limits qualify. The program provides a $3,500 grant toward closing costs and down payments, requiring homebuyer education completion. |
| Maryland | Maryland distributes housing grants through the MMP 1st Time Advantage program. Low-income homebuyers meeting regional AMI caps qualify for financial assistance. The program offers direct grants or deferred loans covering up to 5% of the purchase price for settlement expenses. |
| Massachusetts | Massachusetts provides housing grants through MassHousing to support low-to-moderate-income residents. First-time buyers in specific gateway cities earning under target income limits qualify. The program grants up to $50,000 or 5% of the purchase price to bridge down payment gaps. |
| Michigan | Michigan administers housing grants through the MSHDA Down Payment Assistance program. First-time homebuyers with an income below county limits and a maximum home price of $224,500 qualify. Eligible participants receive up to $7,500 (or $10,000 in targeted areas) as a forgivable second mortgage. |
| Minnesota | Minnesota offers housing grants via Minnesota Housing programs like Start Up for first-time buyers. Households must meet income limits and have a minimum credit score to qualify. Benefits include deferred, interest-free loans up to $18,000 for down payments, which act as grants if conditions are met. |
| Mississippi | Mississippi provides housing grants through the Home Saver and Smart Solution programs. Low-income families and first-time buyers meeting county AMI thresholds qualify. The state distributes funds as direct down payment assistance or rehabilitation grants for existing homeowners. |
| Montana | Montana offers housing grants through the Montana Housing Board to assist with home purchases. Applicants must meet strict income and purchase price restrictions based on county data. The program provides up to 5% of the home’s purchase price for down payment assistance, functioning as a deferred loan. |
| Nebraska | Nebraska distributes housing grants via the NIFA First Home program. First-time buyers with a minimum credit score of 640 and qualifying incomes are eligible. The initiative grants a percentage of the mortgage amount to offset down payment and closing costs. |
| Nevada | Nevada provides housing grants through the Home Is Possible program to boost homeownership. Residents with an income below $135,000 and a credit score of at least 640 qualify. The program issues a non-repayable grant up to 5% of the loan amount strictly for down payment and closing costs. |
| New Hampshire | New Hampshire manages housing grants through the NH Housing Home Flex Plus program. First-time and repeat buyers meeting regional income thresholds qualify. Participants receive a cash grant up to 3% of the base loan amount to cover initial home purchase expenses. |
| New Jersey | New Jersey offers housing grants through the NJHMFA Down Payment Assistance program. First-time buyers purchasing properties in target areas with incomes below 80% AMI qualify. The state grants $10,000 as a forgivable loan, completely waived after five years of primary residency. |
| New Mexico | New Mexico provides housing grants via the MFA FirstHome program to assist low-to-moderate income buyers. Homebuyers meeting county-specific income limits and attending mandatory counseling qualify. The program issues down payment assistance in the form of grants or second mortgages up to 8% of the sales price. |
| New York | New York administers housing grants through the SONYMA Achieving the Dream program. First-time homebuyers with low incomes qualify for heavily subsidized mortgages and purchase assistance. Funds provide up to $15,000 for down payments, structured as a forgivable loan over a ten-year period. |
| North Carolina | North Carolina offers housing grants through the NC Home Advantage Mortgage program. First-time and move-up buyers meeting income and credit score criteria qualify. The program grants up to 5% of the loan amount for down payment assistance, forgiven 20% annually after the eleventh year. |
| North Dakota | North Dakota manages housing grants through the NDHFA FirstHome program. First-time homebuyers meeting income and purchase price limits qualify for support. The initiative provides out-of-pocket cash assistance equivalent to 3% of the loan amount for down payments. |
| Ohio | Ohio provides housing grants via the OHFA Your Choice! Down Payment Assistance program. Homebuyers meeting income limits and completing homebuyer education are eligible. The program offers grants of 2.5% or 5% of the home’s purchase price, forgiven after seven years of ownership. |
| Oklahoma | Oklahoma distributes housing grants through the OHFA Homebuyer Down Payment Assistance program. Buyers with a credit score of at least 640 and incomes within state limits qualify. Participants receive a direct grant covering 3.5% of the total loan amount to offset closing expenses. |
| Oregon | Oregon offers housing grants through the OHCS Down Payment Assistance programs. First-time buyers earning below the local Area Median Income qualify for state support. Funds are disbursed as grants up to $15,000 for down payments, helping low-income families secure stable housing. |
| Pennsylvania | Pennsylvania manages housing grants via the PHFA Keystone Advantage Assistance Loan program. First-time buyers meeting regional income thresholds qualify for closing cost support. The program provides up to 4% of the purchase price or $6,000 as a deferred or forgivable loan. |
| Rhode Island | Rhode Island provides housing grants through the RIHousing 10k Down program. First-time homebuyers purchasing a primary residence and meeting income limits are eligible. The initiative grants $10,000 strictly for down payment and closing costs, structured as a forgivable loan over five years. |
| South Carolina | South Carolina offers housing grants through the SC Housing Homebuyer Program. Borrowers with qualifying incomes and credit scores of at least 620 qualify for forgivable down payment assistance. The program provides up to $8,000 for closing costs, fully forgiven after a ten-year or fifteen-year occupancy period. |
| South Dakota | South Dakota distributes housing grants via the SDHDA First-Time Homebuyer program. Applicants meeting county income caps and purchase price limits qualify. The program offers grants up to 3% of the loan amount for down payments and closing costs. |
| Tennessee | Tennessee manages housing grants through the THDA Great Choice program. First-time buyers meeting income and credit score requirements qualify for down payment support. The initiative provides $6,000 or 6% of the home’s purchase price as a deferred, forgivable loan. |
| Texas | Texas provides housing grants through the TDHCA My First Texas Home program. First-time buyers and veterans earning below 115% of the AMI qualify. The state issues grants up to 5% of the loan amount for down payment and closing costs, which do not require repayment. |
| Utah | Utah offers housing grants via the Utah Housing Corporation to assist low-income homebuyers. Residents meeting income limits and completing homebuyer education qualify for assistance. The program distributes funds as secondary financing or direct grants up to 6% of the primary loan amount. |
| Vermont | Vermont administers housing grants through the VHFA ASSIST program for down payments and closing costs. First-time homebuyers meeting strict state income caps are eligible. The program provides up to $5,000 in interest-free, deferred loans that effectively function as grants until the home is sold or refinanced. |
| Virginia | Virginia manages housing grants through the VHDA Down Payment Assistance grant. First-time buyers earning at or below 80% of the AMI qualify for the non-repayable grant. The program provides up to 2.5% of the purchase price to directly reduce out-of-pocket settlement costs. |
| Washington | Washington provides housing grants through the WSHFC Home Advantage program. Homebuyers meeting income limits up to $180,000 qualify for statewide down payment assistance. The initiative offers deferred loans up to 5% of the loan amount, functioning as grants to bridge purchasing gaps. |
| West Virginia | West Virginia offers housing grants via the WVHDF Movin’ Up program. Moderate-income homebuyers who surpass standard program limits can still qualify for down payment assistance. The state provides targeted grants or low-interest secondary loans to offset initial closing costs. |
| Wisconsin | Wisconsin administers housing grants through the WHEDA Easy Close program. First-time and repeat buyers meeting regional income thresholds qualify. The program provides up to 6% of the purchase price as a deferred or forgivable loan to cover down payments and settlement fees. |
| Wyoming | Wyoming provides housing grants through the WCDA First-Time Homebuyer program. Residents meeting strict income and purchase price limits are eligible. The program issues down payment assistance via direct grants or low-interest amortizing loans up to $15,000. |
Frequently Asked Questions
Who Is Eligible for Access Missouri Grant?
You’re eligible if you’re the homeowner, occupy the house as your primary residence, meet income thresholds for your county, satisfy residency requirements, are 62 or older for grants, and can’t obtain affordable credit elsewhere across Missouri.
What Is the $500 Direct Cash Assistance Program in Missouri?
You receive a one‑time $500 payment for immediate hardship; program origins trace to July 2023 emergency relief, and its funding source is the state COVID‑19 and disaster‑relief budget, targeting households below 150% poverty income level criteria.
What Grants Are Available in Missouri?
You’ll tap into over 20 grant categories, funding sources include state, federal, and local, including $40K home‑repair loans, 4% down‑payment assistance, and disaster‑area grants—each targeting low‑income homeowners while meeting income eligibility and strict residency requirements.
How Do I Get Housing Assistance in Missouri?
You’ve got housing assistance in Missouri by contacting MHDC, completing the application process, and submitting a document checklist that includes income verification, proof of ownership, staff qualifications, and financial capacity statements and meeting all requirements.
Conclusion
By completing your application you tap a program that’s helped 12,000 Missourians secure safe homes. If you meet the 50 % income threshold and own your primary residence, you could receive up to $10,000—$15,000 in disaster zones. Remember, 68 % of eligible seniors claim the grant within three months, so act quickly. Stay compliant with occupancy rules, submit required documents, and track reporting to keep funding on schedule and guarantee your home remains eligible for future aid.