HAPguide

STATE OF MISSOURI
MISSOURI’S
GUIDE TO HOUSING
ASSISTANCE PROGRAMS
This publication was funded by the
Real Choice Systems Change Grant
September 2005
MISSOURI’S
GUIDE TO HOUSING ASSISTANCE
PROGRAMS
If you need further information or have questions,
please contact the Governor's Council on Disability
at 1-800-877-8249 (Voice/TTY) or 573-751-2600
(Voice/TTY); or by e-mail at [email protected]; or
contact the Housing Unit of the Missouri Depart-
ment of Mental Health at 573-751-9206. You may
use this contact information to request additional
copies of this guide which can also be viewed on-
line at one of the following websites:
www.gcd.oa.mo.gov/PIC/pic.shtml
www.dmh.mo.gov/ada/housingindex.html
www.dhss.mo.gov/SeniorServices/index.html.
Important information and phone numbers can be

found on pages 33 - 75 in this booklet
State of Missouri
PAGE 5
Table of Contents
Introduction.............................................................6
What Are My Options? ...........................................7
How Do I Qualify? .................................................8
Financial Eligibility ................................................9
Applying for Services
• When Can I Access Housing?.......................... 10
• What do I have to pay? ....................................10
Housing Programs
• Rental Assistance .............................................13
• Home Purchasing .............................................20
• Home Repair//Weatherization Assistance .. 28-29
• Home Access Modifications ............................30
Other
• Missouri Property Tax Credit...........................32
Other Agencies to Contact .....................................33

Information to Know: Agency ..............................37
Glossary .................................................................57
MISSOURI’S GUIDE TO HOUSING ASSISTANCE
PROGRAMS
PAGE 6
INTRODUCTION
Many people with disabilities or the elderly live and
wish to continue living independently in their homes and
communities. Others live in institutions but would like to
return to the community. Historically, locating appropri-
ate and affordable housing is often a major barrier for
persons who want to continue living in a community set-
ting and those who want to move from an institution to
the community. Today, you have more options for re-
maining in the community and alternatives to placement
in a nursing home or other institutional care setting. If
you would like to stay in your home or in the community
and you meet certain requirements, you may be eligible
for housing assistance through state, local and federal
funding resources. For those who need supportive ser-
vice to stay in the community please refer to the Home
and Community Based Services booklet.
This booklet explains housing resources that exist in
Missouri. The resources may be funded through state or
federal revenue or private pay. Many persons with dis-
abilities or the elderly may qualify for Medicaid*. The
* Please see the glossary at the back of the book for a

more complete definition.
State of Missouri
PAGE 7
for housing, other than in institutions. This booklet is

designed to assist you as you seek a place to live. Some
of the topics covered include: available programs and re-
quirements, application process, contacts, resources and
terms.
There may be additional programs available in your
local community. Check with the local Independent Liv-
ing Center or other disability advocacy organizations.
WHAT ARE MY OPTIONS?

What types of programs are
available?
Housing assistance typically falls
under the following categories:
Rental Assistance
Home Purchasing Program
Home Repair/Weatherization Assistance
Home Access Modifications
The housing assistance you qualify for and choose will
depend upon your needs and resources. However, all
programs are not available statewide.
PROGRAMS
PAGE 8
HOW DO I QUALIFY?
Generally speaking, when you apply for housing assis-
tance you will probably be asked for the following docu-
mentation:
Proof of household income* for the previous twelve
(12) months
Social Security documentation for all household
members over one year of age
Photo identification for the head of the household
Proof of residency (could be a utility bill or voter reg-
istration)
Proof of disability (if applicable)
How you qualify for housing assistance differs from pro-

gram to program. You may contact any of the housing
assistance agencies listed in the back of this manual to
apply for local housing programs. If you are unsure
about the available housing assistance programs in your
area, or what your needs are, you may contact your case
manager, service coordinator/worker, social worker, or
your local housing assistance provider.
State of Missouri
PAGE 9
FINANCIAL ELIGIBILITY
Some housing assistance programs have a financial re-
quirement or may charge a co-payment to receive assis-
tance. These options may be discussed with your case
manager/worker, service coordinator, social worker or
housing assistance provider to determine programs for
which you might be eligible.
WHO CAN HELP ME APPLY?

Many community organizations or state agencies pro-
viding case management services can help you apply
for housing assistance. They also can help you decide
which programs and locations are right for you. Some
of these organizations include the Area Agencies on
Aging* or Centers for Independent Living*, Missouri
Department of Mental Health Regional Centers, Com-
munity Mental Health Centers, Bureau of Special
Health Care Needs and the local Division of Senior Ser-
vices and Regulation offices (see list in back of this
booklet). You can have family members or friends help
you complete the application.
PROGRAMS
PAGE 10
WHEN CAN I ACCESS HOUSING?

Once it is determined you qualify for housing assistance,
your name may be placed on a waiting list with other in-
dividuals who are qualified but are waiting for a housing
opening. Length of time on a wait list will vary geo-
graphically around the state. Be sure to ask the agency
representative when you can access housing.
WHAT DO I HAVE TO PAY?

Based upon the program, you may be required to pay a
portion of the cost of your housing.
WHAT IF I CURRENTLY RESIDE IN A NURSING
HOME, RESIDENTIAL CARE FACILITY OR ICF/
MR*?
Some people who are capable and interested in living in
the community are currently residing in a nursing home
or an Intermediate Care Facility for Persons With Mental
Retardation (ICF/MR)*, such as a habilitation cen-
ter. The United States Supreme Court has ruled that peo-
ple with disabilities and seniors have a right to receive
State of Missouri
PAGE 11
services in the most integrated setting and move out of in-
stitutions and into the appropriate community setting cho-
sen by the person. If you are in a nursing home or ICF/
MR* and you are interested in receiving housing assis-
tance and home and community-based services*, help
is available. You can call the nursing home ombudsman,
your local Center for Independent Living*, (listed in
the back of this booklet) the Missouri Department of
Health and Senior Services (DHSS) Hotline at 800/235-
5503, or the Missouri Department of Mental Health
(DMH) at 800/364-9687.
HOW CAN PERSONS WITH DISABILITIES AND

THE ELDERLY IMPACT THE NUMBER OF
HOUSING UNITS CONSTRUCTED FOR PERSONS
WITH LOW INCOMES?
The state of Missouri and each entitlement city or county
(St. Joseph, Kansas City, Joplin, Springfield, Jefferson
City, Columbia, St. Charles, St. Louis County and St.
Louis City) are required to have a 5-year Consolidated
Plan* that is updated each year. The use of federal hous-
ing funds administered by these areas must be outlined in
PROGRAMS
PAGE 12
this plan. Also, a public hearing is required annually. It

is important that people appear at these hearings and
speak out for the type of housing that they want and
need in their community. This advocacy effort may take
more than one year to see results, but can be effective in
the long run.
There is almost always legislation or budgetary action

at the state and federal levels that will have a positive or
negative impact on availability of affordable and acces-
sible housing. Contact the Governor’s Council on Dis-
ability or the
Statewide Inde-
pendent Living
Council to get
involved or to lo-
cate another ad-
vocacy agency in
your area.
State of Missouri
PAGE 13
HOUSING PROGRAMS
Rental Assistance
SECTION 202: SUPPORTIVE The Section 202
HOUSING FOR THE Supportive Housing
ELDERLY for the Elderly pro-
gram provides low-
ELIGIBILITY: income* elderly
• 62 years of age or older within 80% of me-
• Low-income* elderly dian income with
options that allow
SERVICES: them to live inde-
• Rent subsidy* pendently in an en-
vironment that pro-
vides support activi-
ties such as cleaning, cooking, or transportation. The
program may benefit any low-income resident age 62
years or older.

PROGRAMS
PAGE 14
RENTAL ASSISTANCE
SECTION 811: The Section 811 Sup-
SUPPORTIVE HOUSING portive Housing for Per-
FOR PERSONS WITH sons with Disabilities
DISABILITIES Program provides low-
income* disabled per-
ELIGIBILITY: sons with options that
• 18 yrs. of age or older
allows them to live in-
• Very low-income*
dependently but in an
• Has a disability per Social
environment that can
Security definition provide a range of sup-
port services. These
SERVICES: supports may consist of
• Rent subsidy*
coordination of services,
staffing and training in
independent living.
In addition, Section 811 provides capital advances to not-
for-profit entities to build and/or rehabilitate community
housing for persons with disabilities. This includes fi-
nancing property acquisition, site improvement, conver-
sion, demolition, relocation, and other expenses associ-
ated with supportive housing for persons with disabilities.

State of Missouri
PAGE 15
To be eligible for funding under Section 811, the appli-

cant must be a private, non-profit organization with prior
experience in housing, or related social service activities.
Government entities are not eligible for funding under
this program.
MAINSTREAM HOUSING This program is oper-

ated similar to the Hous-
ELIGIBILITY: ing Choice Voucher Pro-
• 18 years of age or older gram with the following
• Low-income* exceptions:
• Has a disability per Social The recipient may pay
Security definition no more than 30% of
SERVICES: gross income.
• Scattered site rent subsidy*
Is not statewide
Currently, only the following Public Housing Authorities

have Mainstream Vouchers: Lincoln County, Ripley
County, Franklin County, St. Louis County or Liberty
Housing Authority which serves the Kansas City Metro
area.
PROGRAMS
PAGE 16
HOUSING CHOICE The Public Housing

VOUCHER Authority pays a por-
(SECTION 8) tion of the consumer’s
rent through vouchers*
ELIGIBILITY:
and certificates*. The
• 18 years of age or older
consumer may pay
• Low-income*
from $25.00 to 40% of
SERVICES: their adjusted gross in-
• Scattered site rent subsidy* come, based on the lo-
cal Fair Market Rent

(FMR)*.

State of Missouri
PAGE 17
SHELTER PLUS CARE The Shelter Plus Care pro-
ELIGIBILITY: gram offers rental assis-
tance to individuals and
• Have a disability
families receiving suppor-
• Meet HUD* definition
tive services. The defini-
of homeless tion of a disability for this
• Very low income*
program is broader than
• Receiving or seeking
the one used by the Social
services Security Administration in
determining eligibility; be-
SERVICES: cause it may includes alco-
• Scattered site or project
hol and drug addiction.
rental assistance In order to meet the HUD
• Assistance with seeking definition of homeless an
appropriate support ser- individual or family must
vices be:
• In a shelter
• In a transition facility
• In an institution less than 30 days
• In a place not designed for habitation; or
• Have an eviction* notice

PROGRAMS
PAGE 18
HOUSING Housing Opportunities
OPPORTUNITES FOR for Persons with AIDS
PERSONS WITH AIDS (HOPWA)* provides low-
HOPWA* income* persons with
HIV-positive diagnosis as-
ELIGIBILITY: sistance in stabilizing their
• HIV positive housing in order to avoid
• Enrolled in HIV case homelessness and increase
management access to essential health
• 100% of federal pov- care and medications.
erty level or below Consumers must be
• Be assessed for need enrolled in HIV case
by case manager management and demon-
strate that they are actively
SERVICES: engaged in medical care.
• Rent subsidy*
• Short term rent, mort-

Available services through
gage and utility assis- HOPWA* in Missouri re-
tance flect regional needs and
priorities and are coordi-
nated with services provided by the Ryan White*
CARE Act and other local, state, and federal programs
for low-income* individuals and families.
State of Missouri
PAGE 19
LOW INCOME HOUSING This program encour-

TAX CREDIT (LIHTC)* ages developers to build
ELIGIBILITY: affordable housing. It
has created over 37,000
units in Missouri for in-
• Low-income*
dividuals that meet eligi-
bility guidelines. For in-
formation on availability in your area contact the Mis-
souri Housing Development Commission (MHDC)* at
816-759-6668.
HOME PROGRAM Similar to Low Income

Housing Tax Credit* in
ELIGIBILITY: that it encourages devel-
opers to build affordable
• Low-income* or very low
housing. This program
income * provides additional units
for very low* and low-
income*` persons and
families. For further information on what is available in
your area contact MHDC* at 816-759-6668.
PROGRAMS
PAGE 20
HOME PURCHASING
FIRST PLACE LOANS
The First Place Loan pro-
gram is a homebuyer pro-
ELIGIBILITY:
gram that provides a pool
• First time homeowner (in
of money at below-
other words you can’t market interest rates
have owned a home in which lenders can access
the last three years) to provide loans to first-
• Household income less time Missouri homebuy-
than $61,100 (one to two ers. One part of the pro-
persons) $64,415 (three gram also provides down
or more people) payment and closing cost
SERVICES: assistance. These loans
• Below market interest are 30-year, fixed-rate,
rates and cash assistance first mortgages. MHDC*
for down payment and releases funds periodi-
closing costs cally throughout the year.
Two types of funds are

available, depending on
the borrower's needs.
State of Missouri
PAGE 21
Cash Assistance Payment (CAP) loans provide the

homebuyer with a grant equal to 3% of their loan amount,
and a below-market interest rate mortgage. This type of
loan is best for those buyers that need assistance paying
the down payment and closing costs. CAP loans can be
used for both existing and new homes.
Non-Cash Assistance Payment loans (Non-CAP)* are
offered at a somewhat lower interest rate, usually .75% to
1% below the CAP rate. These loans are best for buyers
that have adequate funds to pay their own down payment
and closing costs. Non-CAP funds are available for exist-
ing and new homes.
Additional information can be found at: www.mhdc.com/
homes/firstplaceloans/

PROGRAMS
PAGE 22
HOME MHDC* is the most appro-
DOWN PAYMENT priate agency to contact re-
ASSISTANCE garding any down payment
ELIGIBILITY: assistance that may be avail-
• 18 years of age or able. Every year there is
older usually some type of pro-
SERVICES: gram created using Federal
• Cash grants for down monies to assist first time
payment or closing homebuyers.
costs Additional information can
be found at: www.mhdc.com
HABITAT FOR
Habitat for Humanity In- HUMANITY
ternational is a nonprofit, ELIGIBILITY:
ecumenical Christian
housing ministry. Habitat
• Very low *to low-
for Humanity Interna-
income *(30 – 50% me-
tional's headquarters, lo-
dian income)
cated in Americus, Ga.,
USA, provides informa- SERVICES:
tion, training and a vari- • Self Help Program

State of Missouri
PAGE 23
ety of other support services to Habitat affiliates world-

wide.
Through volunteer labor and donations of money and
materials, Habitat builds and rehabilitates simple, de-
cent houses with the help of the homeowner (partner)
families. Habitat houses are sold to partner families at
no profit, financed with affordable, no-interest loans.
The homeowners' monthly mortgage payments are used
to build more Habitat houses. Habitat is not a giveaway
program. In addition to a down payment and the
monthly mortgage payments, homeowners invest hun-
dreds of hours of their own labor “sweat equity” into
building their Habitat house and the houses of others.
Habitat houses are affordable for low-income* families
because no profit is included in the sale price and no in-
terest charged on the mortgage. Mortgage length varies
from seven to 30 years.
Forty-seven affiliates are listed for Missouri at http://

www.habitat.org/local/ or check your local telephone
book.
PROGRAMS
PAGE 24
VETERANS VA guaranteed loans are

AFFAIRS made by private lenders,
ELIGIBILITY: such as banks, savings &
• Veterans who served on
loans, or mortgage compa-
active duty and were dis- nies to eligible veterans for
charged under condi- the purchase of a home,
tions other than dishon- which must be for their
orable personal occupancy. To
• Reservists and National
get a loan, a veteran must
Guard may qualify un- apply to a lender. If the
der certain conditions. loan is approved, VA will
(For more information guarantee a portion of it to
contact VA.) the lender. This guaranty
protects the lender against
loss up to the guaranteed
amount and allows a veteran to obtain favorable financ-
ing terms. There is no maximum VA loan but lenders
generally limit VA loans to $240,000.

State of Missouri
PAGE 25
VA LOANS OFFER THE FOLLOWING IMPOR-
TANT FEATURES:
• Equal opportunity for all qualified veterans to ob-
tain a VA loan.
• Down payment not always required.
• VA assistance to veteran borrowers in default due to
temporary financial difficulty.
VA ALSO OFFERS LOANS FOR OTHER TYPES

OF HOMES:
• Manufactured
• Mobile
• Modular
HOW CAN I OBTAIN MORE INFORMATION
ABOUT VA HOME
LOANS?
Call VA at 1-800-827-1000
or contact a local lender or
real estate professional.

PROGRAMS
PAGE 26
FANNIE MAE HOME- Fannie Mae provides fi-

CHOICE LOANS nancial products and
ELIGIBILITY: services that make it
possible for low, mod-
• 18 years of age or older erate and middle-
• Low-income* and have a income families to buy
disability homes of their own.
SERVICES: Fannie Mae began in
• Low interest homeowner- 1969.
ship loans through local
lender institutions Money is not lent di-
rectly to homebuyers.
Instead the program
works with lenders to make sure they do not run out of
mortgage funds. This makes it possible for persons to
achieve their goal of owning their own home.
When you go to a lender to qualify for a home loan

Fannie Mae will be in the best position, along with your
realtor, to assist you in determining if Fannie Mae fund-
ing can help with purchasing a home.

State of Missouri
PAGE 27
USDA 504 HOME To provide loan and grant

REPAIR LOANS AND funds to pay for needed
GRANTS repairs and improvements
to dwellings of eligible
ELIGIBILITY FOR very low income* fami-
GRANT: lies. Grants must be used
• 62 years of age or older to remove health and
• Unable to pay back loan safety hazards.
ELIGIBILITY FOR
LOAN:
• 18 years of age and
older
• Acceptable credit his-
tory
• Very low income*
SERVICES:
• Loan and/or grant to re-
pair or improve owned

home in rural areas.

PROGRAMS
PAGE 28
HOME REPAIR
HRO (HOME REPAIR MHDC* provides
OPPORTUNITY) Federal Home
Funds to selected
(Administered by Community Community Action
Action Agencies) Agencies as part of
ELIGIBILITY: the HRO Program
to meet the growing
• Homeowner
need of home re-
• Low to moderate income
pairs for low and
• Maintain the property for three
moderate-income
years or pay back the funds
homeowners.
SERVICES: Community Ac-
• Rehab, weatherize, lead abate-
tion Agencies* are
ment, access modifications listed in the back of
• Grants are up to $20,000
this booklet.
Many low-income* people live in older homes that may

not have insulation or efficient heating systems. Weath-
erization is a program whereby energy-efficient im-
provements are installed in the home, resulting in lower
State of Missouri
PAGE 29
utility bills yearly. This LOW-INCOME*
reduces the amount of as- WEATHERIZATION
sistance needed to pay ASSISTANCE PROGRAM
higher utility bills in low- (Administered primarily by
income* households. COMMUNITY ACTION
The program aims to AGENCIES)*
lower utility bills and im- ELIGIBILITY:
prove comfort while en- • Homeowner
suring health and safety. • LOW INCOME*
Possible solutions may SERVICES:
include installation of • Minor rehab and repairs to
storm windows, insula- make home more livable
tion, sealing of ductwork and energy efficient
and floor repairs. Smoke
and carbon monoxide detectors may also be installed.
In addition to the sixteen (16) regional Community Ac-
tion Agencies* located in the back of this booklet, the
Kansas City Department of Housing and Community
Development (816) 513-3000 and the Urban League of
Metro St. Louis (314) 615-3611 also administer this pro-
gram.
PROGRAMS
PAGE 30
HOME MODIFICATIONS
SHOW ME LOANS Loans may be ob-

tained for home access
ELIGIBILITY: modifications such as:
• Persons with disabilities wheelchair ramps,
• Homeownership stairway lifts, widen-
ing doorways, bath-
SERVICES: room modifications
• Low interest (2 – 4%) loans and other access im-
• Home access modifications
provements. Loans to-
ward the purchase of
homes are not available. The program is administered
by Missouri Assistive Technology (MoAT). Interested
persons may get more information or a loan application
by calling MoAT at 800-647-8557, or sending an e-mail
to [email protected].

State of Missouri
PAGE 31
MEDICAID*
WAIVERS Some home modification
funding may be available for
ELIGIBILITY: Medicaid* eligible individu-
• Eligible for Medicaid* als through Medicaid* waiv-
ers such as:
SERVICES: • Sarah Jean Lopez Waiver
• Depending on waiver
• Independent Living Waiver
and other funding, • MRDD Waiver
modification monies
may be available.
Please check with your case

manager for details. You may also check with your local
Center for Independent Living* or Area Agency on
Aging* since they may have or
know of resources available for
home modifications.

PROGRAMS
PAGE 32
OTHER
You MIGHT qualify for a rebate of from $1 to $750 of
your real estate taxes or rent if:
• you or your spouse are 65 or older on the last day of
the year
OR 100 percent disabled, age 18-64
OR a widowed person between 60 and 64 receiving
Social Security surviving spouse benefits
• Your TOTAL household income, including Social Se-
curity and other non-taxable income, is less than

$25,000 ($27,000 if you are a married couple)
• You live in Missouri the entire calendar year
• You pay real estate taxes or rent on your main home-
stead
The actual amount of your credit will be based on your
income and your real estate taxes or rent and can range
from $0 to $750.
Not everyone who meets the eligibility requirements will
get a credit. If your income is near the eligibility limit and
your taxes are low, you may not be entitled to a credit.
You may obtain a copy of the MO-PTC (Missouri Prop-
erty Tax Credit) or MO-PTS form by calling 1-800-877-
State of Missouri
PAGE 33
6881. Many local library branches also have these forms

available.
The web site for this program is: www.mid-eastaaa.org/
ptc.html
OTHER AGENCIES TO CONTACT:

GOVERNOR’S COUNCIL ON DISABILITY
P. O. Box 1668
Truman Building, Room 250A
Jefferson City, MO 65102-1668
573-751-2600 or toll-free 1-800-877-8249
Provides leadership and support so that all Missourians
with disabilities achieve equal opportunities and
independence. In carrying out this mission, the
Governor’s Council on Disability:
1. Provides educational programs on disability rights &
awareness, including housing issues and universal
design.
2. Provides technical assistance to Missourians inter-
ested in learning more about the legal universe of
disability rights and housing.
PROGRAMS
PAGE 34
MISSOURI ASSISTIVE TECHNOLOGY (MoAT)

4731 South Cochise, Suite 114
Independence, MO 64055-6975
816-373-5193 or 1-800-647-8557
Administers the Show-Me Loans Program for home ac-
cess modifications.
Missouri Commission on Human Rights (MCHR)

P. O. Box 1129
3315 West Truman Boulevard, Suite 212
573-751-3325 or 1-877-781-4236
The basic powers and duties of the MCHR are preven-
tive (through education and outreach) and elimination
of discrimination (through enforcement) including dis-
crimination in housing. The MCHR investigates com-
plaints of discrimination in housing based upon a per-
son’s protected status of race, color, religion, national
origin, ancestry, sex, disability and familial status.
MCHR also provides presentations on housing discrimi-
nation.
State of Missouri
PAGE 35
MISSOURI PLANNING COUNCIL FOR

DEVELOPMENTAL DISABILITIES (MPC)
P. O. Box 687
1706 East Elm
573-751-8611
The Missouri Planning Council for Developmental Dis-
abilities (MPC) is a 24 member, consumer-driven council
appointed by the Governor. Funded through the Federal
Developmental Disabilities Assistance and Bill of Rights
Act, the MPC plans, advocates for, and gives advice
concerning the development of programs, services, poli-
cies, and regulations for persons with developmental dis-
abilities that will increase their opportunities for inde-
pendence, productivity, and integration into communities.
Public Housing Authorities (PHA)

There are 130 Public Housing Authorities in Missouri.
The web site to find these agencies is: www.hud.gov/pic/
haprofiles
PROGRAMS
PAGE 36
Non-Medicaid Information
For information on other non-Medicaid funded home
and community based services, such as state plan or
private pay services you can contact one of the
following agencies:
Family Support Division (FSD)

Information Line 800/392-1261
www.dss.mo.gov/dfs
www.dss.mo.gov/dms
Division of Senior Services and Regulations (DSS)

Information Hotline 800/235-5503
Bureau of Special Health Care Needs-Hope Hotline
800/451-0669
www.dhss.mo.gov/
www.health.state.mo.us/SHCN
Department of Mental Health (DMH)

Client Rights 800/364-9687
www.dmh.mo.gov/
State of Missouri
PAGE 37
Division of Mental Retardation & Developmental

Disabilities (MRDD)
800/207-9329
www.dmh.mo.gov/mrdd/
Missouri Division of Vocational Rehabilitation

(MDVR)
877/222-8963
www.vr.dese.mo.gov/
IMPORTANT ADDRESSES AND PHONE

NUMBERS AND COUNTIES SERVED
CENTERS FOR INDEPENDENT LIVING
(Visit www.mosilc.org for most up-to-date and website
information)
Access II Independent Living Center (Access II)

611 West Johnson
Gallatin, MO 64640
Voice: (660) 663-2423 TTY: (660) 663-2663
Counties served: Caldwell, Carroll, Daviess, Grundy,
Harrison, Livingston, Mercer, Ray
PROGRAMS
PAGE 38
Bootheel Area Independent Living Center (BAILS)

P. O. Box 326
Kennett, MO 63857
Voice and TTY: (573) 888-0002
Toll-free: 1-888-449-0949
Counties served: Dunklin, New Madrid, Pemiscot,
Stoddard
Delta Center for Independent Living (DCIL)

Weldon Springs Professional Building
5933 Highway 94 South, Suite 107
St. Charles, MO 63304
Voice and TTY: (636) 926-8761
Counties served: Lincoln, St. Charles, Warren
Disabled Citizens Alliance for Independence (DCAI)

P. O. Box 675
Viburnum, MO 65566
Voice: (573) 244-5402 TTY: (573) 244-3315
Counties served: Iron, Crawford, Dent, Reynolds, Wash-
ington
State of Missouri
PAGE 39
Disability Resource Association (DRA)

420-B South Truman Boulevard
Crystal City, MO 63019
Voice: (636) 931-7696 TTY: (636) 937-9016
Counties served: Jefferson
Independent Living Center of Southeast MO

(ILCSEMO)
809 West Pine
Poplar Bluff, MO 63901
Voice and TTY: (573) 686-2333
Toll-free: 888-890-2333
Counties served: Butler, Carter, Ripley, Wayne
Independent Living Resource Center (ILRC)

3620 West Truman Boulevard, P. O. Box 6787
Jefferson City, MO 65109
Voice: (573) 556-0400 TTY: (573) 634-3876
Toll-free: 877-627-0400
Counties served: Camden, Cole, Miller, Moniteau, Mor-
gan, Osage
PROGRAMS
PAGE 40
Living Independently for Everyone (LIFE)

1109 Ste. Genevieve
Farmington, MO 63640
Voice: (573) 756-4314 TTY: (573) 760-1402
Counties served: Madison, St. Francois, Ste, Genevieve
Midland Empire Resources for Independent Living

(MERIL)
442 D South 40th Street
St. Joseph, MO 64506
Voice: (816) 279-8558 TTY: (816) 279-4943
Toll-free: 1-800-242-9326
Counties served: Andrew, Atchison, Buchanan, Clinton,
DeKalb, Gentry, Holt, Nodaway, Worth
North East Independent Living Services (NEILS)

109 Virginia, Suite 560
Hannibal, MO 63401
Voice and TTY: (573) 221-8282
Counties served: Clark, Lewis, Marion, Monroe, Pike,
Ralls
State of Missouri
PAGE 41
On My Own, Inc. (OMO)

111 North Elm
Nevada, MO 64772
Voice: (417) 667-7007
Toll-free: 1-800-362-8852
Counties served: Bates, Cedar, Hickory, St. Clair,
Vernon
Ozark Independent Living (OIL)

109 Aid Avenue
West Plains, MO 65775
Voice: (417) 257-0036
Toll-free: 1-888-440-7500
Counties served: Douglas, Howell, Oregon, Ozark,
Shannon, Texas, Wright
Paraquad, Inc.
311 North Lindbergh Boulevard
St. Louis, MO 63141
Voice: (314) 567-1558 TTY: (314) 567-5552
Counties served: St. Louis City, St. Louis County
PROGRAMS
PAGE 42
Rural Advocates for Independent Living (RAIL)

1100 South Jamison
Kirksville, MO 63501
Voice: (660) 627-7245 TTY: (660) 627-0614
Toll-free: 1-888-295-6461
Counties served: Adair, Chariton, Knox, Linn, Macon,
Putnam, Schuyler, Scotland, Shelby, Sullivan
SEMO Alliance for Disability Independence (SADI)

121 South Broadview Plaza, Suite 12
Cape Girardeau, MO 63703
Voice and TTY: (573) 651-6464
Toll-free: 1-800-898-7234
Counties served: Bollinger, Cape Girardeau, Missis-
sippi, Perry, Scott
Services for Independent Living (SIL)

1401 Hathman Place
Columbia, MO 65201
Voice: (573) 874-1646 TTY: (573) 874-4121
Counties served: Audrain, Boone, Callaway, Cooper,
Howard, Montgomery, Randolph
State of Missouri
PAGE 43
SW Center for Independent Living (SCIL)

2864 S Nettleton Avenue
Springfield, MO 65807
Voice and TTY: (417) 886-1188
Toll-free: 1-800-676-7245
Counties served: Christian, Dallas, Green, Lawrence,
Polk, Stone, Taney, Webster
Tri-County Center for Independent Living (TCIL)

1420 Highway 72 East
Rolla, MO 65401
Voice and TTY: (573) 368-5933
Counties served: Laclede, Phelps, Pulaski
The Independent Living Center, Inc. (TILC)

1001 East 32nd Street
Joplin, MO 64804
Voice: (417) 659-8086 TTY: (417) 659-8702
Toll-free: 1-877-307-8702
Counties served: Barry, Barton, Dade, Jasper, McDon-
ald, Newton
PROGRAMS
PAGE 44
The Whole Person, Inc. (TWP)

301 East Armour Boulevard, Suite 430
Kansas City, MO 64111
Voice: (816) 561-0304 TTY: (816) 931-2202
Toll-free: 1-800-878-3037
Counties served: Cass, Clay, Jackson, Platte
West Central Independent Living Solutions (WILS)

123 East Gay, Suite A-1
Warrensburg, MO 64093
Voice: (660) 422-7883 TTY: (660) 422-7894
Toll-free: 1-800-236-5175
Counties served: Benton, Henry, Johnson, Lafayette, Pet-
tis, Saline
Heartland, Inc., Branch of DCAI (HILC)

P. O. Box 578, 1010 Highway 28 West
Owensville, MO 65066
Voice: (573) 437-5100
Counties served: Franklin, Gasconade, Maries
State of Missouri
PAGE 45
Missouri Association of County Developmental

Disabilities (MACDDS)
Agent: Community Asset Builders
925 Madison
Jefferson City, MO 65101
Telephone: (573) 632-2700
Contact: Doris Boeckman
MISSOURI AREA AGENCIES ON AGING
Southwest Office on Aging

1735 South Fort
Telephone: (417) 862-0762
Toll-free: 1-800-497-0822
Counties served: Barry, Christian, Dade, Dallas, Doug-
las, Howell, Green, Lawrence, Ozark, Oregon, Polk,
Shannon, Stone, Taney, Texas, Webster, Wright
PROGRAMS
PAGE 46
Southeast MO Area Agency on Aging

1219 North Kingshighway, Suite 100
Cape Girardeau, MO 63701
Telephone: (573) 335-3331
Toll-free: 1-800-392-8771
Counties served: Bollinger, Butler, Cape Girardeau,
Carter, Dunklin, Iron, Madison, Mississippi, New Ma-
drid, Pemiscot, Perry, Reynolds, Ripley, Scott, St. Fran-
cois, Ste. Genevieve, Stoddard, Wayne
District III Area Agency on Aging

106 West Young Street, P. O. Box 1078
Warrensburg, MO 64093
Telephone: (660) 747-3107
Toll-free: 1-800-886-4699
Counties served: Bates, Benton, Carroll, Cedar, Chariton,
Henry, Hickory, Johnson, Lafayette, Pettis, Saline, St.
Clair, Vernon
State of Missouri
PAGE 47
Northwest MO Area Agency on Aging

P. O. Box 265
Albany, MO 64402
Telephone: (660) 726-3800
Toll-free: 1-888-844-5626-
Anderson, Counties served: Atchison, Buchanan, Cald-
well, Clinton, Daviess, DeKalb, Gentry, Grundy, Harri-
son, Holt, Linn, Livingston, Mercer, Nodaway, Putnam,
Sullivan, Worth
Northeast MO Area Agency on Aging

815 North Osteopathy
Kirksville, MO 63501Telephone: (660) 665-4682
Toll-free: 1-800-664-6338
Counties served: Adair, Clark, Knox, Lewis, Lincoln,
Macon, Marion, Monroe, Montgomery, Pike, Ralls,
Randolph, Schuyler, Scotland, Shelby, Warren
Central MO Area Agency on Aging

1121 Business Loop 70 East, Suite 2A
Columbia, MO 65201
Telephone: (573) 443-5823
Toll-free: 1-800-369-5211
PROGRAMS
PAGE 48
Counties served: Audrain, Boone, Callaway, Camden,

Cole, Cooper, Crawford, Dent, Gasconade, Howard,
Laclede, Maries, Miller, Moniteau, Morgan, Osage,
Phelps, Pulaski, Washington
Mid-America Regional Council

300 Rivergate Center, 600 Broadway
Telephone: (816) 474-4240
Toll-free: 1-800-593-7948
Counties served: Cass, Clay, Jackson, Platte, Ray
Mid-East MO Area Agency on Aging

14535 Manchester
Manchester, MO 63011
Telephone: (636) 207-0847 or 207-1323
Toll-free: 1-800-243-6060
Counties served: Franklin, Jefferson, St. Charles, St.
Louis
State of Missouri
PAGE 49
St. Louis Area Agency on Aging

634 North Grand
St. Louis, MO 63103
Telephone: (314) 612-5918
Area served: St. Louis City
Region X Area Agency on Aging

2701 S Bird, P. O. Box 3990
Joplin, MO 64803
Telephone: (417) 781-7562 or 627-0600
Counties served: Bates, Jasper, McDonald, Newton
COMMUNITY ACTION AGENCIES

(visit www.communityaction.org for more information)
Central Missouri Counties Human Development

Corporation
807B North Providence Road
Columbia, MO 65203
Telephone: (573) 443-8706
Counties served: Audrain, Boone, Callaway, Cole, Coo-
per, Howard, Moniteau, Osage
PROGRAMS
PAGE 50
Community Services Inc. of Northwest Missouri

P. O. Box 328
1212B South Main
Maryville, MO 64468
Telephone: (660)- 582-3133
Counties served: Atchison, Gentry, Holt, Nodaway, Worth
Delta Area Economic Opportunity Corporation

99 Skyview Road
Portageville, MO 63873
Telephone: (573) 379-3851
Toll-free: 1-800-748-8320
Counties served: Dunklin, Mississippi, New Madrid,
Pemiscot, Scott, Stoddard
East Missouri Action Agency

107 Industrial Drive, P. O. Box N
Park Hills, MO 63601
Telephone: (573) 431-5191
Counties served: Bollinger, Cape Girardeau, Iron, Madi-
son, Perry, St. Francois, Ste. Genevieve, Washington
State of Missouri
PAGE 51
Community Action Partnership of St. Joseph

P. O. Box 3068
817 Monteray Street
St. Joseph, MO 64503
Telephone: (816) 233-8281
Counties served: Andrew, Buchanan, Clinton, DeKalb
Economic Security Corporation of the Southwest

Area
P.O. Box 207
302 South Joplin Street
Joplin, MO 64802
Telephone: (417) 781-0352
Counties served: Barton, Jasper, McDonald, Newton
Green Hills Community Action Agency

P.O. Box 278
1506 Oklahoma Avenue
Trenton, MO 64683
Telephone: (660) 359-3907
Toll-free: 1- 877-611-7600
Counties served: Caldwell, Daviess, Grundy, Harrison,
Linn, Livingston, Mercer, Putnam, Sullivan
PROGRAMS
PAGE 52
Human Development Corporation of Metropolitan

St. Louis
929 North Spring Ave.
St. Louis, MO 63108
Telephone: (314) 613-2200
Counties served: City of St. Louis and Wellston
Jefferson-Franklin Community Action Corporation

725 Maple, Suite 201
P.O. Box 920
Hillsboro, MO 63050
Telephone (636) 789-3563
Counties served: Franklin, Jefferson
Missouri Ozarks Community Action, Inc.

306 South Pine Street
P.O. Box 69
Richland, MO 65556
Telephone (573) 765-3263
Counties served: Camden, Crawford, Gasconade, La-
clede, Maries, Miller, Phelps, Pulaski
State of Missouri
PAGE 53
Missouri Valley Community Action Agency

1415 South Odell
Marshall, MO 65340
Telephone: (660) 886-7476
Counties served: Carroll, Chariton, Johnson, Lafayette,
Pettis, Ray, Saline
North East Community Action Corporation

P.O. Box 470
16 North Court Street
Bowling Green, MO 63334
Telephone: (573) 324-2231
Counties served: Lewis, Lincoln, Macon, Marion, Mon-
roe, Montgomery, Pike, Ralls, Randolph, Shelby, St.
Charles, Warren
Northeast Missouri Community Action Agency

P.O. Box 966
1011 S. Jamison
Kirksville, MO 63501
Telephone: (660) 665-9855
Counties served: Adair, Clark, Knox, Scotland, Schuyler
PROGRAMS
PAGE 54
Ozark Action, Inc.

P.O. Box 588
710 East Main
West Plains, MO 65775
Telephone: (417) 256-6147
Counties served: Douglas, Howell, Oregon, Ozark,
Texas, Wright
Ozarks Area Community Action Corporation

215 South Barnes
Telephone: (417) 862-4314
Counties served: Barry, Christian, Dade, Dallas,
Greene, Lawrence, Polk, Stone, Taney, Webster
Community Action Agency of St. Louis County

2709 Woodson Road
St. Louis, MO 63114
Telephone (314) 863-0015
Counties served: St. Louis County
State of Missouri
PAGE 55
South Central Missouri Community Action Agency

P.O. Box 6, Old Alton Road
Winona, MO 65588
Telephone: (573) 325-4255
Counties served: Butler, Carter, Dent, Reynolds, Ripley,
Shannon, Wayne
United Services Community Action Agency

6323 Manchester Avenue
Telephone (816) 358-6868
Counties served: Clay, Jackson, Platte
West Central Missouri Community Action Agency

P.O. Box 125
106 West 4th Street
Appleton City, MO 64724
Telephone: (660) 476-2185
Counties served: Bates, Benton, Cass, Cedar, Henry,
Hickory, Morgan, St. Clair, Vernon
PROGRAMS
PAGE 56
We hope this booklet is a useful resource for you. If you

have any questions or feel that the information given
needs updating please contact the PIC Commission
through the:
Governor’s Council on Disability
P. O. Box 1668
Truman Building, Room 250A
573-751-2600 or toll-free 1-800-877-8249
Home is the heart of life...

Home is where we feel at ease, where we belong,
where we can create surroundings that reflect our
tastes and pleasures...
Making a home is a form of creativity open to every-
one.
Terence Conran
State of Missouri
PAGE 57
GLOSSARY OF HOUSING AND OTHER TERMS

AAA - Area Agency on Aging For individuals aged
60 and over provides services such as congregate and
home delivered meals, transportation, legal support, in-
formation and referral, case management and family
caregiver services. Located in 10 regional offices cov-
ering every Missouri county and St. Louis City.
ADA – Alcohol and Drug Abuse or American with Dis-

abilities Act
AMI – American Median Income
CAP or CAA – Community Action Agency – Nonprofit

private and public organizations established under the
Economic Opportunity Act of 1964 to fight America's
War on Poverty and help people to help themselves in
achieving self-sufficiency. There are 19 Community
Action Agencies in Missouri.
CDC – Community Development Corporation – Not for

profit organizations that encourage and promote the in-
dustrial, economic, entrepreneurial, commercial and
PROGRAMS
PAGE 58
civic development or redevelopment of a community or

area, includes the provision of housing and community
economic development projects that benefit low and
moderate income individuals and communities.
CDBG (Community Development Block Grant
Program) – Authorized by the Housing and
Community Development Act of 1974 replacing several
community development categorical grant programs.
CDBG provides eligible metropolitan cities and urban
counties (called "entitlement communities") with annual
direct grants which they can use to revitalize
neighborhoods, expand affordable housing and
economic opportunities, and/or improve community
facilities and services. The grants principally benefit
low-income and moderate-income persons.
Certificate – A term used to refer to a type of rental
subsidy.
CHDO (Community and Housing Development
Organization) – A federally defined type of nonprofit
housing provider that must receive a minimum of 15
percent of all Federal HOME Investment Partnership
State of Missouri
PAGE 59
funds. The primary difference between CHDO and

other nonprofits is the level of low-income resident par-
ticipation on the Board of Directors.
CILs – (Centers for Independent Living)- Commu-
nity-based non-profit consumer controlled organizations
that are cross-disability. CILs provide information and
referral, independent living skills training, peer support,
and individual and systems advocacy as their four core
services. They also provide other services such as con-
sumer-directed personal assistance services, and bene-
fits counseling. For more information about CILs or to
find the center closest to you, call the Statewide Inde-
pendent Living Council toll-free at (877) 222-8963 or
email [email protected]
Consolidated Plan – Developed by local and state
governments with input from citizens and community
groups, the Consolidated Plan serves four functions: 1)
it is a planning document for each state and community,
built upon public participation and input; 2) it is the
application for funds under HUD's formula grant
programs (Community Development Block Grant,
PROGRAMS
PAGE 60
HOME, Emergency Shelter Grant, and Housing

Opportunities for People With AIDS); 3) it spells out
local priorities; and 4) it spells out a 3-5 year strategy
the jurisdiction will follow in implementing HUD
programs. The housing plan must also address the
needs of people with disabilities.
Continuum of Care – A program to help more than

330,000 homeless Americans get housing, job training,
child care, and other services. The Continuum of Care,
which is the centerpiece of the federal policy on home-
lessness, stresses permanent solutions to homelessness
through comprehensive and collaborative community
planning. Includes funding for Supportive Housing
Program (SHP), Shelter Plus Care (SHP) and Section 8
Moderate Rehabilitation for Single Room Occupancy
(Mod Rehab SRO).
CPS – (Division of Comprehensive Psychiatric Ser-

vices) – Housed within the Missouri Department of
Mental Health.
CSA – Chronic Substance Abusers

State of Missouri
PAGE 61
DED – Missouri Department of Economic Development
DSSR – (Division of Senior Services & Regulations)

Part of the Missouri Department of Health and Senior
Services (DHSS), DSSR employs over 400 social work-
ers covering every county in Missouri who provide case
management and adult protective services to seniors and
adults with disabilities.
DVR – (Division of Vocational Rehabilitation) Part of

the Department of Elementary and Secondary Education
(DESE) that oversees administration of the Independent
Living Waiver and 21 Centers for Independent Living
for consumers with physical disabilities.
Empowerment Zones and Enterprise Communities

(EZ/EC) – Designated low-income areas targeted to
receive tax incentives, performance grants, and loans in
order to create jobs, expand business opportunities, and
support people looking for work. Initially authorized by
Title XIII of the Omnibus Budget Reconciliation Act of
1993 (the Statute). Additional EZ/ECs were authorized
by the Taxpayer Relief Act of 1997.
PROGRAMS
PAGE 62
Entitlement – An underlying formula governing the

allocation of Block Grant funds to eligible recipients.
Entitlement grants are provided to larger urban cities
(i.e., population greater than 50,000) and larger urban
counties (greater than 200,000).
ESG (Emergency Shelter Grant) – Awards grants for

the rehabilitation or conversion of buildings into home-
less shelters. Also provides funds for certain related so-
cial services, operating expenses, homeless prevention
activities and administrative costs.
Eviction – Legal procedure to remove a resident from a

unit.
Fair Housing Act – Legislation first enacted in 1968

and expanded by amendments in 1974 and 1988, which
provides the Housing and Urban Development (HUD)
Secretary with investigation and enforcement
responsibilities for fair housing practices. Prohibits
discrimination in housing and lending based upon race,
color, religion, sex, national origin, disability, or familial
status.
State of Missouri
PAGE 63
Family Self-Sufficiency Program – The Family Self-

Sufficiency (FSS) program is an employment and sav-
ings incentive program for low-income families that
have Section 8 vouchers or live in public housing.
FMR (Fair Market Rents) – Rent Schedules published

in the Federal Register, which establish maximum
eligible rent levels allowed under the Section 8 program
by geographic area. Also used by other rent subsidy
programs.
Federal National Mortgage Association (Fannie

Mae) – A federally chartered, stockholder owned
corporation which supports the secondary market for
both conventional mortgages and mortgages insured by
the FHA and guaranteed by the Veterans Administration
VA.
Federal Preferences – HUD designates certain groups

of individuals as having priority status on housing wait-
ing lists. For instance, individuals paying more than
50% of their income for housing would have a federal
preference.
PROGRAMS
PAGE 64
FEMA – Federal Emergency Management Agency a

former independent agency that became part of the new
Department of Homeland Security in March 2003 which
is responsible for responding to, planning for, recovering
from, and militating against disasters.
FHLB – Federal Home Loan Bank – a source of funding

for housing development. The bank for Missouri is in
Des Moines, Iowa
HAP (Housing Assistance Payment) – Agreement

between landlord and program to pay the difference
between the tenant’s share of rent and current rent of a
unit including specified damage reimbursement.
HOME – Provides funds to local governments and states

for new construction, rehabilitation, acquisition of
standard housing, assistance to homebuyers, and tenant-
based rental assistance.
Home and Community Services - Services and supports

provided in a home or community location to help
persons live as independently as possible.
State of Missouri
PAGE 65
HOPE VI or the Urban Revitalization Program –

Enables demolition of obsolete public housing,
revitalization of public housing sites and distribution of
supportive services to public housing residents affected
by these actions.
HOPWA – Housing Opportunities for Persons with

AIDS. Also, a funding program that may be used for
housing for persons with HIV.
Housing Choice Voucher – In 1999, the Section 8 cer-

tificate and voucher programs were merged into the new
Housing Choice Voucher Program (HCVP). The HCVP
has also changed some of the rules, especially relative to
the rents the household may pay. HQS (Housing Quality
Standards) refers to the rules used when inspecting a
rental unit to determine if the housing is safe, decent and
sanitary.
HTF (Housing Trust Fund) – The Missouri Housing

Trust Fund was created by the State Legislature in 1994
to help meet the housing needs of very low-income fami-
lies and individuals. It provides funding for a variety of
PROGRAMS
PAGE 66
eligible activities including rental housing production,

housing and related services for the homeless and rental
subsidies.
HUD (Housing and Urban Development) – The fed-

eral government department that dispenses and manages
federal housing assistance.
HUD 202 – Provides capital advances to finance the

construction and rehabilitation of structures that will
serve as supportive housing for very low-income elderly
persons and provides rental subsidies for projects to
help make them affordable.
HUD 811 – Provides grants to non-profit organizations

to develop and construct or rehabilitate rental housing
with supportive services for very low-income person
with disabilities.
ICF/MR – (Intermediate Care Facility for Persons

with Mental Retardation) A licensed facility that pro-
vides care designed to meet the needs of persons with
mental retardation who require special health and
State of Missouri
PAGE 67
rehabilitation services. Missouri’s habilitation centers

are ICF/MR facilities.
IGR (Independent Group Residence) – A type of

rental subsidy funded by HUD that allows people with
disabilities to live with one or more individuals and re-
ceive a rental subsidy.
Income - The gain that proceeds from property, labor,

or business. For purposes of figuring rent in subsidy
programs, income includes but is not limited to: annual
gross income including welfare assistance; unemploy-
ment and disability compensation, interest, dividends,
and child support payments.
Lender - The bank, credit union, saving and loan asso-

ciation, mortgage company or other financial institution
that provides funds to a borrower
Low Income – Income that does not exceed 80 percent

of area median income.
PROGRAMS
PAGE 68
Low Income Housing Tax Credits (LIHTC) – A way

of obtaining financing to develop low-income housing.
Government programs provide dollar-for-dollar credit
toward taxes owed by the housing owner. These tax
credits can be sold, or used to back up bonds that are
sold, to obtain financing to develop the housing.
MACA (Missouri Association for Community Ac-

tion) – The statewide association for CAP agencies (see
definition under CAP).
Mainstream Section 8 – aka Mainstream– Awards

funding for Section 8 vouchers to very low-income
families whose head, spouse, or sole member is a per-
son with a disability.
MASW (Missouri Association for Social Welfare) –

A Social Advocacy Organization that contracts with
MHDC to conduct statewide homeless count every
other year.
Median Income – The income level at which half of

the population receive more income and half receive
State of Missouri
PAGE 69
less. Each year HUD establishes the Median Income

for states and metropolitan areas based upon household
size. HUD revises these figures periodically
Medicaid – State and federally funded health care for

low income and needy populations.
Medicare - The national health insurance program for

those age 65 and older and for some persons under age
65 with disabilities.
MHDC (Missouri Housing Development Commis-

sion) – Missouri’s state housing finance agency estab-
lished by the 75th General Assembly in 1969. MHDC
functions as a bank, providing financing directly to bor-
rowers or through a network of private lending institu-
tions. Most of MHDC's programs operate as a public-
private partnership.
MRDD - (Division of Mental Retardation and Devel-

opmental Disabilities) Housed within the Department
of Mental Health. It serves a population that has devel-
opmental disabilities such as mental retarda-
tion, cerebral palsy, head injuries, autism, epilepsy, and
PROGRAMS
PAGE 70
certain learning disabilities. Such conditions must have

occurred before age 22, with the expectation that they
will continue. To be eligible for services from the divi-
sion, persons with these disabilities must be substan-
tially limited in their ability to function independently.
NON-CAP - Non-Cash Assistance Payment Loans.
PH – Permanent Housing for people with disabilities.
PHA – Public Housing Authority or Agency
PRA (Project Based Rental Assistance) – Rental sub-

sidies that are based in one building or apartment pro-
ject. The subsidy belongs to the unit and not the indi-
vidual.
PWA – Persons with AIDS
PWOD – Persons with other disabilities
RCF – (Residential Care Facility) A licensed facility

that provides meals, shelter and personal assistance or
State of Missouri
PAGE 71
supervision for more than 24 consecutive hours for

adults who do not require nursing home care. Resi-
dents must demonstrate ability to negotiate a path to
safety in case of emergency.
Rent Subsidy – This refers to a cash payment to a land-

lord that assists very low-income individuals in paying
for housing. Typically, the tenant pays 30% of their in-
come for rent, and the rental subsidy pays the remaining
amount.
Ryan White – Title I Federal grant monies used for ser-

vices to persons with AIDS – In Missouri this funding
comes through the Department of Health and Senior
Services
Scattered Site – The ability to use a housing subsidy to

live in market rate units in a neighborhood of one’s own
choosing
Section 8 – This is a federal HUD program that

provides funds for rent subsidies.
PROGRAMS
PAGE 72
SHOP (Self-Help Homeownership Opportunity

Program) – The Self-Help Homeownership Opportunity
Program enables families to become homeowners with an
investment of "sweat equity" by contributing their own
labor to help with such tasks as painting, landscaping,
carpentry and roofing. HUD grants will provide
subsidies averaging $10,000 to lower the price of each
home. Families unable to afford a home and having
incomes below 80 percent of the area median income are
eligible to receive HUD assistance under SHOP.
SHP (Supportive Housing Program) – Provides grants

to develop permanent and/or transitional supportive hous-
ing and services that will enable homeless people to live
as independently as possible.
SMI – Serious Mental Illness.
SPC (Shelter Plus Care) – Provides rental assistance

that when combined with social services, provides perma-
nent supportive housing for homeless people with dis-
abilities and their families.
State of Missouri
PAGE 73
SRA (Sponsor Based Rental Assistance) – An agree-

ment between landlord and provider allowing for sub-
letting the unit to program participants.
TRA (Tenant Based Rental Assistance) – This term

refers to rental subsidies that are portable. In other
words, the subsidy is held by the tenant and not the unit.
TTP (Total Tenant Payment) – The amount the par-

ticipant pays for their portion of the rent.
Universal Design - The design of products and envi-

ronments to be usable by all people, to the greatest ex-
tent possible, without the need for adaptation or special-
ized design.
USDA-RD – United States Department of Agriculture –

Rural Development (includes rural housing service)
Very Low Income – Income that does not exceed 50%

percent of area median income.
Voucher – A term used to refer to a type of rental sub-

sidy. Low-income families use vouchers to help pay for
housing that they find in the private market.
PROGRAMS
PAGE 74
State of Missouri
PAGE 75
Office of Administration
Governor’s Council on Disability
P. O. Box 1668
Mailing address label

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STATE OF MISSOURI

Important information and phone numbers can be

• What do I have to pay? ....................................10

• Home Purchasing .............................................20

• Home Repair//Weatherization Assistance .. 28-29

• Home Access Modifications ............................30

Other Agencies to Contact .....................................33

* Please see the glossary at the back of the book for a

for housing, other than in institutions. This booklet is

WHAT ARE MY OPTIONS?

How you qualify for housing assistance differs from pro-

WHO CAN HELP ME APPLY?

WHEN CAN I ACCESS HOUSING?

WHAT DO I HAVE TO PAY?

HOW CAN PERSONS WITH DISABILITIES AND

this plan. Also, a public hearing is required annually. It

There is almost always legislation or budgetary action

* Please see the glossary at the back of the book for a

* Please see the glossary at the back of the book for a

To be eligible for funding under Section 811, the appli-

MAINSTREAM HOUSING This program is oper-

Currently, only the following Public Housing Authorities

HOUSING CHOICE The Public Housing

cal Fair Market Rent

* Please see the glossary at the back of the book for a

• In an institution less than 30 days

• In a place not designed for habitation; or

• Have an eviction* notice

* Please see the glossary at the back of the book for a

• Short term rent, mort-

LOW INCOME HOUSING This program encour-

HOME PROGRAM Similar to Low Income

Two types of funds are

Cash Assistance Payment (CAP) loans provide the

* Please see the glossary at the back of the book for a

* Please see the glossary at the back of the book for a

ety of other support services to Habitat affiliates world-

Forty-seven affiliates are listed for Missouri at http://

VETERANS VA guaranteed loans are

* Please see the glossary at the back of the book for a

VA ALSO OFFERS LOANS FOR OTHER TYPES

* Please see the glossary at the back of the book for a

FANNIE MAE HOME- Fannie Mae provides fi-

When you go to a lender to qualify for a home loan

* Please see the glossary at the back of the book for a

USDA 504 HOME To provide loan and grant

pair or improve owned

* Please see the glossary at the back of the book for a

Many low-income* people live in older homes that may

SHOW ME LOANS Loans may be ob-

* Please see the glossary at the back of the book for a

Please check with your case

* Please see the glossary at the back of the book for a

curity and other non-taxable income, is less than

• You pay real estate taxes or rent on your main home-

6881. Many local library branches also have these forms

OTHER AGENCIES TO CONTACT:

MISSOURI ASSISTIVE TECHNOLOGY (MoAT)

Missouri Commission on Human Rights (MCHR)

MISSOURI PLANNING COUNCIL FOR