Grant Administration - Beneficiary Documentation

Needs Assessment

Prior to the release of applications to homeowners, a needs assessment is conducted to determine the types of programs that will be offered and the needs assessment will become the basis for program design. This is often done through an analysis of damages at a local or regional level to better determine the activities to be offered, the demographics to receive concentrated attention and the target areas to be served. Eligibility that will need to be tracked following the Needs Assessment include:

  • 70% Low- to Moderate-Income Requirement
  • 80% of funds to HUD-identified Most Impacted Areas
  • AFFH requirements

Income Verification

Household income limits are placed on the program by HUD. The applicant must establish the household size and submit documentation of household income to qualify for the program. Verification of household income is done by approved methods. Income must be considered for all adult household members (18 years or older) including the following:

  • Latest Tax Returns (1040)
  • Pay Stubs (last three months)
  • Signed statement from employer
  • Benefits (social security, annuity or pensions etc.)
  • Unemployment Income

Child Support

All applicants and co-applicants must be current on payments for child support. If the applicant or co-applicant is not current on child support, that member will be required to enter into a payment plan.


The applicant must be an individual who owns the property to be repaired, rebuilt or replaced due to a disaster event. Ownership must be documented prior to receiving disaster recovery assistance.

Primary Residency

The home to be rehabilitated, reconstructed or replaced must have been occupied by the applicant as the applicant’s principal residence at the time of the disaster event. Vacation homes or rental properties are not eligible for assistance under the Homeowner Assistance Program, Homeowner Reimbursement Program or similar programs. Proof of Residency can typically be verified using the following:

  • Homestead Tax Exemption
  • Letter from Utility Company
  • Voter Registration Records
  • Copy of Credit Card Bill

Promissory Note

If the applicant qualifies for disaster recovery assistance and has been awarded funding, there are conditions placed on the applicant receiving the assistance. The conditions are outlined in an unsecured forgivable promissory note that is executed by the applicant.