Housing Choice Homeownership Pathway
Your Voucher Is Your Down Payment
If you hold a Section 8 Housing Choice Voucher or a HUD-VASH voucher, you may already have what you need to buy a home. I'll walk you through every step — from eligibility to closing — at no cost to you.
You Belong Here
Homeownership isn't just for people who've never needed assistance. The Housing Choice Homeownership Pathway (HCHP) is a federally supported program that allows eligible voucher holders to use their housing assistance toward a mortgage instead of rent.
Whether you hold a Section 8 Housing Choice Voucher or a HUD-VASH voucher (for Veterans), this program was designed with you in mind. I'm here to make sure you understand every option available to you — with honesty, patience, and zero judgment.
Who This Program Serves
Section 8 Housing Choice Voucher Holders
If your local Public Housing Authority (PHA) has a homeownership option, you may be able to apply your monthly voucher assistance toward your mortgage payment instead of rent.
HUD-VASH Voucher Holders
Veterans Affairs Supportive Housing (HUD-VASH) vouchers can also be used for homeownership in participating jurisdictions. If you're a Veteran with a HUD-VASH voucher, you may qualify for this pathway.
Basic Eligibility Requirements
Requirements vary by Public Housing Authority. I'll help you confirm your specific eligibility.
A note on eligibility: Requirements vary by Public Housing Authority (PHA) and location. The list below reflects general federal guidelines. I'll help you confirm what applies to your specific situation.
How the Process Works
I guide you through each phase — from your first conversation to the day you get your keys.
Confirm Your PHA Offers Homeownership
Not every Public Housing Authority participates. I'll help you contact your PHA and confirm whether the homeownership option is available in your area.
Complete HUD-Approved Counseling
You'll complete a required homeownership counseling course through a HUD-approved agency. This prepares you for the responsibilities of ownership and is often free or low-cost.
Get Pre-Approved for a Mortgage
I'll connect you with lenders experienced in HCHP financing. Your voucher assistance can count toward your monthly housing costs, which may improve your loan qualification.
Find Your Home
I'll help you search for homes that meet HUD's Housing Quality Standards (HQS) — the property must pass an inspection before your voucher can be applied.
PHA Approval & Inspection
Your PHA will inspect the home to ensure it meets HQS requirements. I'll coordinate with all parties to keep the process moving smoothly.
Close & Move In
Once approved, we close on your home. Your monthly housing assistance transitions from rent support to mortgage assistance — and you become a homeowner.
Let's Be Transparent
The HCHP program has real requirements and not every PHA participates. I won't promise you something that isn't possible — but I will make sure you have accurate, complete information so you can make the best decision for your family.
If your PHA doesn't currently offer the homeownership option, there may still be other pathways available to you. Let's talk about your full picture.
Ready to Find Out If You Qualify?
Fill out the form below and I'll reach out personally to review your situation, answer your questions, and walk you through your options — no pressure, no cost.