Housing Counselor Certification (HUD) Practice Exam

Which HUD program provides funding to nonprofits assisting victims of housing discrimination?

1. Fair Housing Act Program

2. Homeowner Assistance Program

3. Fair Housing Initiatives Program (FHIP)

4. Neighborhood Stabilization Program

The correct answer is: Fair Housing Initiatives Program (FHIP)

The Fair Housing Initiatives Program (FHIP) is designed specifically to support nonprofits that work to combat housing discrimination and promote equitable housing opportunities. This program provides funding to organizations that assist victims of discrimination based on race, color, national origin, religion, sex, familial status, or disability, as outlined in the Fair Housing Act. Through the FHIP, nonprofits can develop initiatives that inform the public about their rights, conduct education and outreach efforts, and provide direct services to individuals who have experienced discrimination in housing. In contrast, the other programs listed have different purposes. The Fair Housing Act Program is more focused on establishing the framework and guidelines for fair housing but does not offer funding directly to organizations. The Homeowner Assistance Program primarily provides aid to homeowners facing financial hardship, such as mortgage delinquency or foreclosure, rather than focusing on discrimination issues. The Neighborhood Stabilization Program aims to stabilize communities by addressing issues related to foreclosures and abandoned properties but does not specifically target assistance for victims of discrimination. Thus, FHIP stands out as the correct choice for funding aimed at nonprofits addressing housing discrimination.