HUD doesn't give grants to individuals.  It gives grants to non-profits 
and municipalities.  I know AP has HUD funding for housing.  Hazel 
Samuels runs the department and I believe it is Rosetta that is in 
charge of the program.  
Coastal Habitat for Humanity runs a program that helps people fix up 
their homes.  If you qualify, they will come to your house and do minor 
repairs.  If you are able then you will have to help them.  The city 
uses this program and has applications available in the Dept. of 
Housing.  The program operates in warmer weather.
www.coastalhabitat.org
Most of these programs are for low income homeowners.  People who are 
above the income limit may have to turn to loans.  Loans require equity 
and can be tougher to come by these days.  There are 203K loans from 
FHA which allow you to refinance the property at its after-repaired 
value.  The loan includes funds for the repairs or improvements and it 
requires you to make the repairs in a set amount of time.  You have to 
use a general contractor to make the repairs most of the time.  I 
worked with Jim Ragan at Bank of NY.  He's the 203K guru.  1913 
Atlantic Ave # 212
Manasquan, NJ 08736


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