Free HUD-approved housing counseling
Free or low-cost advice on renting, buying a home, avoiding foreclosure and dealing with an eviction.
Apply on the official site ↗Goes to ConsumerFinance.gov. Applying is free.
Who generally qualifies
Anyone renting, buying, behind on a mortgage, or facing eviction or foreclosure; counseling is free or low cost.
Exact income limits and rules are set by HUD-approved counseling agencies and can change. Check the official site for current details.
How to apply
- Use the Consumer Financial Protection Bureau's housing counselor search.
- Call an agency near you to set up a meeting.
- Bring your lease, mortgage statement or notices to the meeting.
What to have ready
- Lease or mortgage statement
- Any eviction or foreclosure notices
- Income and bill information
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- HUD-approved counseling agencies makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check ConsumerFinance.gov for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with HUD-approved counseling agencies.