GOVERNMENT DIRECTORY

Find Programs That Fit You.

Federal, state, and local benefits matched to your profile.

HUD
FEDERALLOAN

FHA Loans

Low-down-payment mortgages insured by the federal government — as low as 3.5% down with a 580+ credit score.

ELIGIBILITY: Owner-occupied homes, 580+ credit typical
TRUST 100/100Official Site
VA
FEDERALLOAN

VA Home Loans

Zero-down mortgages for veterans, service members, and eligible surviving spouses — no PMI, ever.

ELIGIBILITY: Veterans, active duty, eligible spouses
TRUST 100/100Official Site
SBA
FEDERALBUSINESS

SBA 7(a) Loans

The SBA's flagship business loan — up to $5M for working capital, equipment, and real estate.

ELIGIBILITY: For-profit small businesses meeting SBA size rules
TRUST 100/100Official Site
ED
FEDERALGRANT

Pell Grants

Federal grant money for college that never needs to be repaid — up to roughly $7,400 a year.

ELIGIBILITY: Undergrads with financial need
TRUST 100/100Official Site
USDA FNS
FEDERALBENEFIT

SNAP Food Assistance

Monthly food benefits for low-income households — apply through your state.

ELIGIBILITY: Income-based, varies by state
TRUST 100/100Official Site
ACF
FEDERALASSISTANCE

LIHEAP Energy Assistance

Help paying heating and cooling bills — one call to your local office.

ELIGIBILITY: Income-based, varies by state
TRUST 100/100Official Site
CMS
FEDERALBENEFIT

Medicaid & CHIP

Free or low-cost health coverage for kids, families, and adults with limited income.

ELIGIBILITY: Income-based, varies by state
TRUST 100/100Official Site
IRS
FEDERALASSISTANCE

VITA Free Tax Preparation

IRS-certified volunteers prepare your taxes free if you earn under ~$64,000.

ELIGIBILITY: Income limits apply
TRUST 100/100Official Site
CalHFA
STATELOAN

CalHFA Homebuyer Programs

California's state housing agency — down payment assistance and below-market first mortgages for first-time buyers.

ELIGIBILITY: First-time buyers meeting income limits
TRUST 100/100Official Site
NY State of Health
STATEINSURANCE

NY State of Health Marketplace

New York's official health insurance marketplace — compare plans and check subsidy eligibility in minutes.

ELIGIBILITY: New York residents
TRUST 100/100Official Site
Texas HHS
STATEBENEFIT

Lone Star Card (SNAP Texas)

Texas SNAP food benefits — apply online, by phone, or at a local office.

ELIGIBILITY: Income-based Texas households
TRUST 100/100Official Site
Illinois DCEO
STATEBUSINESS

Illinois Business Grants

Illinois grants and low-interest loans for small businesses expanding or opening in the state.

ELIGIBILITY: Illinois small businesses
TRUST 100/100Official Site
NYC HRA
LOCALASSISTANCE

NYC One Shot Deal Emergency Assistance

New York City emergency cash assistance for rent, utilities, and one-time crises.

ELIGIBILITY: NYC residents in crisis
TRUST 100/100Official Site
LA Housing Dept
LOCALASSISTANCE

LA Emergency Rental Assistance

Los Angeles rental assistance and eviction-defense programs for tenants at risk.

ELIGIBILITY: LA renters meeting income limits
TRUST 100/100Official Site
Chicago DCA
LOCALGRANT

Chicago Utility Relief Grants

Chicago utility bill relief grants for households behind on gas and electric payments.

ELIGIBILITY: Chicago households, income limits apply
TRUST 100/100Official Site
State Workforce Agencies
STATEBENEFIT

Unemployment Insurance

Unemployment insurance benefits — weekly payments while you search for your next job.

ELIGIBILITY: Workers who lost employment through no fault of their own
TRUST 100/100Official Site
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