Government Grants For Low-Income Families

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Below is a short list of government grants to help the unemployed and working but earning low wages. Recessions come and go, but creative and resourceful people will always survive life’s storms.

The government has formed programs such as help with rent, utilities, money for childcare, heating grants, free home repairs, and more. Learn how you can apply and qualify for these programs.

Benefits and Grants

These income-based grant programs help the hardest-hit citizens care for their families. If you are unemployed, working part-time, or working two jobs and still struggling, we hope you find something on this site that benefits you.

We will regularly post new tips on affordable housing, grants, and other resources to help you and your family improve the quality of your life. Find out more information about the help that is available to you.

Low-Income Home Energy Assistance Program

LIHEAP is an excellent help for households experiencing financial shortages. LIHEAP financial assistance for utility bills by making home repairs that will lower energy costs. Typical repairs may be insulating drafty windows and doors, wrapping water heaters, patching roofs, etc.

Eligibility requirements for LIHEAP assistance may differ from state to state. You may be eligible if your income is at or 250% below the federal poverty guidelines. Please check with the LIHEAP office in your area.

Children’s Health Insurance

Medicaid and the Children’s Health Insurance Program (CHIP) work together to provide health insurance to children living in low-income families without health insurance. Local government program CHIP exists in every state.

They may be eligible for health care if they have four or more children you may qualify for the Insure Kids Now program. This healthcare covers dental, immunization, prescriptions, and visits to the doctor.

Lifeline Free Cell Phone Plans

Lifeline federal government program provides free and discounted landline and cell phone services to low-income consumers who qualify financially. Each family is allowed one phone line and must recertify yearly to keep service. Also, you must recertify that you qualify each year if you want to continue receiving Lifeline assistance.

There are dozens of free phone providers throughout the United States and US territories. If you receive the SNAP, Medicare, WIC, Disability, and government assistance programs, you may qualify.

Nutrition Assistance

Government nutritional programs ensure that no family or individual who qualifies financially will go hungry. Many disadvantaged families include seniors, the disabled, and families who are unemployed or underemployed.

If you need help with food, apply for the Supplemental Nutrition Assistance Program (SNAP) for your household’s monthly food assistance. You may also qualify for a free or discount lunch program for your school-aged children.

Women’s Grant Programs for Education

Women looking to start small businesses or make themselves more marketable in the job force can find funding opportunities from the government. You can find in-depth information at Small Business Grants for Women.

Free Dental Care

Going to the dentist is not a privilege. It is necessary for your physical health and appearance. Many dentists offer their services to help low-income families with dental care. Some doctors and dentists donate their time and skills to treat those who don’t have dental insurance. Find out where to get free dental care.

Free Day Care Programs Help Moms

It is known that childcare can take up to 50% of your salary, especially if you have more than one child. Many women decided to stay home altogether because of the cost of child care. The cost of childcare takes all or most of their salaries.

Some moms work low-paying jobs and still need help.  They have no choice but to work and survive on one salary to care for their families. Consider taking advantage of the benefits and grants the government offers.

Working and caring for your family is the most important thing for a mom. If you are a single mother that needs help paying for daycare, you may qualify for this resource:  888-524-3578, DHS Child Care Assistance Program. Keep in mind that there is a certain amount.

Free Christmas Toys

Christmas comes every year, and some families don’t have the finances to buy toys for Christmas.  Some organizations like the Salvation Army, Toys for Tots, Angel Tree, and many Religious organizations provide free Christmas toys for kids yearly. *Read more about how to receive free toys for Christmas

Food Banks

Because many families receiving SNAP run out of benefits, every community has food banks.  Also, churches and other organizations have food pantries that give groceries to needy families. You can walk in and get help in some places, but in other places, you need a referral from the Department of Social Services or a community organization.

Food banks usually give out food based on the number of people in the family. Organizations like the Catholic Church, and the larger, better-funded groups, often have meat, toiletries, and other items. For help finding a food pantry near you go to Feeding America.

The Weatherization Assistance Program


The Weatherization Assistance Program offers low-income homeowners grant funding to make necessary repairs to their homes. These community development incentives provide federal grants and loans to make your home energy-efficient and safe.

Repairs include repairing drafty or broken doors and windows, fixing or replacing heating systems, or making repairs to leaking roofs. Contact government agencies like The U.S. Department of Energy (DOE) Weatherization Assistance Program (WAP) to find out more or visit their official website to locate more opportunities.

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