HANDICAP: [W]ith respect to a person, a physical or mental impairment which substantially limits one or more major life activities; a record of such an impairment; or being regarded as having such an impairment.


HOME (HOME INVESTMENT PARTNERSHIPS PROGRAM) : Provides formula grants to states and localities that communities use — often in partnership with local nonprofit groups — to fund a wide range of activities that build, buy, and/or rehabilitate affordable housing for rent or homeownership, or to provide direct rental assistance to low-income people.

HOME AFFORDABLE MODIFICATION PROGRAM (HAMP): A program that provides eligible homeowners the opportunity to modify their mortgages to make them more affordable

HOME AFFORDABLE REFINANCE (HARP): under this program, the GSEs will purchase any refinanced mortgage that they owned or guaranteed when the property is owner-occupied, the borrower has sufficient income to support the new mortgage debt, and the first mortgage does not exceed 125 percent of the current market value of the property.

HOME EQUITY CONVERSION MORTGAGE (HECM) [REVERSE MORTGAGE]: The reverse mortgage is used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home. A lending institution such as a mortgage lender, bank, credit union or savings and loan association funds the FHA insured loan, commonly known as HECM.

HOME MORTGAGE DISCLOSURE ACT (HMDA): enacted by Congress in 1975, requires most mortgage lenders located in metropolitan areas to collect data about their housing-related lending activity, report the data annually to the government, and make the data publicly available.

HOMELESS: An individual who lacks a fixed, regular, and adequate nighttime residence; as well an individual who has a primary nighttime residence that is a supervised publicly or privately operated shelter designed to provide temporary living accommodations, an institution that provides a temporary residence for individuals intended to be institutionalized; or a public or private place not designed for, or ordinarily used as, a regular sleeping accommodation for human beings.

HOMELESSNESS MANAGEMENT INFORMATION SYSTEM (HMIS): An HMIS is a computerized data collection application designed to capture client-level information over time on the characteristics and service needs of men, women, and children experiencing homelessness, while also protecting client confidentiality. It is designed to aggregate client-level data to generate an unduplicated count of clients served within a community’s system of homeless services. An HMIS may also cover a statewide or regional area, and include several CoCs. The HMIS can provide data on client characteristics and service utilization. HMIS is an eligible budget activity and also an SHP component that allows applicants to request SHP assistance for dedicated or shared projects.

HOMELESS PREVENTION: Activities or programs designed to prevent the incidence of homelessness, including, but not limited to: (1) short-term subsidies to defray rent and utility arrearages for families that have received eviction or utility termination notices; (2) security deposits or first month’s rent to permit a homeless family to move into its own apartment; (3) mediation programs for landlord-tenant disputes; (4) legal services programs that enable representation of indigent tenants in eviction proceedings; (5) payments to prevent foreclosure on a home; and (6) other innovative programs and activities designed to prevent the incidence of homelessness.

HOMEOWNERSHIP ZONE PROGRAM (HOZ): Allows communities to reclaim vacant and blighted properties, increase homeownership, and promote economic revitalization by creating entire neighborhoods of new, single-family homes, called HOZs.

HOPE FOR ELDERLY INDEPENDENCE DEMONSTRATION PROGRAM (HOPE IV): Provide[d] supportive services to frail elderly residents of federally assisted housing, with the goal of helping these residents to continue living in the community for as long as possible.


HOUSEHOLD: All the people who occupy a housing unit. A household includes the related family members and all the unrelated people, if any, such as lodgers, foster children, wards, or employees who share the housing unit. A person living alone in a housing unit, or a group of unrelated people sharing a housing unit such as partners or roomers, is also counted as a household.

HOUSING ADEQUACY: Any 1 of 14 different situations [that] result in the classification of a unit as having severe physical problems.

HOUSING CHOICE VOUCHER PROGRAM: the federal government's major program for assisting very low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing in the private market.

HOUSING FINANCE AGENCY (HFA): State or local agencies responsible for financing and preserving low- and moderate-income housing within a state.

HOUSING MARKET AREA: A geographic region from which it is likely that renters/purchasers would be drawn for a given housing project. A housing market area most often corresponds to a Metropolitan Statistical Area (MSA).

HOUSING OPPORTUNITIES FOR PERSONS WITH AIDS (HOPWA): Provides housing assistance and supportive services to low-income people with HIV/AIDS and their families. HOPWA funds may also be used for health care and mental health services, chemical dependency treatment, nutritional services, case management, assistance with daily living, and other supportive services.

Housing Quality Standards (HQS): [these standards] help HUD and local Public Housing Authorities (PHAs) accomplish…by defining “standard housing” and establishing the minimum quality criteria necessary for the health and safety of program participants.

HOUSING STOCK: the number of existing housing units based on data compiled by the United States Bureau of the Census and referable to the same point or period in time.

HOUSING UNIT: a house, apartment, group of rooms, or single room occupied or intended for occupancy as separate living quarters.



HUD'S BROWNFIELDS ECONOMIC DEVELOPMENT INITIATIVE (BEDI) PROGRAM: A grant program that works in conjunction with Section 108 loan guarantees. Grantees use BEDI funds to redevelop brownfields, commercial or industrial sites that are left abandoned with real or potential environmental contamination. BEDI grants often serve as extra security for large-scale Section 108 projects.

HUD METRO FMR AREA: Indicates that only a portion of the OMB-defined core-based statistical area (CBSA) is in the area to which the income limits or FMRs apply. HUD is required by OMB to alter the name of metropolitan geographic entities it derives from the CBSAs when the geography is not the same as that established by OMB.

HUD USER: An information resource from HUD's Office of Policy Development and Research offering a wide range of low- and no-cost content of interest to housing and community development researchers, government officials, academics, policymakers, and the American public. HUD USER is the primary source for federal government reports and information on housing policy and programs, building technology, economic development, urban planning, and other housing-related topics.

HUD VETERANS AFFAIRS SUPPORTIVE HOUSING (HUD-VASH) PROGRAM: a joint program between HUD and the U.S. Department of Veterans Affairs (VA). HUD provides housing choice vouchers and VA provides case management and outreach. This program targets veterans who are currently homeless.


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