Programs that make mortgage payments for people who are at risk of losing their homes without assistance. Mortgage payment assistance programs may have age, income, disability, need or other eligibility requirements. Some of these programs may also provide assistance for people who have a mobile home sales contract or land contract and need help making a payment that is due. Land contracts are written legal agreements that are used to purchase real estate (e.g., vacant land), a house, an apartment building, a commercial building or other real property but are negotiated with the property owner rather than borrowing money from a bank or other lender.

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Programs that make housing more readily available to middle or low-income individuals and families or other identified groups by offering lower priced or cooperative housing and/or affordable payment plans, arranging for interest or mortgage subsidies for people who qualify on the basis of income, or by providing mortgage-free homes, generally for designated populations.

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