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According to the mission statement of the U.S. Department of Housing and Urban Development (HUD), the agency is dedicated to the idea of "a decent, safe, and sanitary home and suitable living environment for every American." Does that mean they have special loan programs? Not necessarily. A quick tour of their site didn't turn up any explicit information on loans for low-income families. Still, housing is HUD's business and they probably have a good handle on the range of financing possibilities. Your best bet is probably to call one of their offices and talk to them directly about your situation and your options. Check out the HUD Housing Counseling Clearinghouse for the toll-free number. A final
word from HUD: Think local. The agency recommends that you "contact your local government (Housing and Community Development Office, Mayor's Office, or County Executive's Office) for information on local homebuying programs." To that end, we searched for state-level housing resources and came up with the National Council of State Housing Agencies. That quickly lead us to the Texas Department of Housing and Community Affairs. There you'll find information on everything from housing finance to emergency energy assistance.
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