Federal programs that act like grants
- TANF — monthly cash assistance for families.
- Head Start / Early Head Start — free early education and meals.
- CCDF (childcare subsidy) — pays most of childcare costs.
- Pell Grants — federal college aid that does not require repayment.
- WIC, SNAP, LIHEAP — non-cash benefits that free up household budget for other needs.
State and county grants
Many states run weatherization grants, down-payment assistance, first-time homebuyer programs, and small-business microgrants for low-income residents. Search [your state] department of human services grants.
Nonprofit emergency grants
Modest Needs, Family-to-Family, Project Self-Sufficiency, Soldiers' Angels, and many local foundations award small grants for one-time crises. United Way 2-1-1 keeps the most current list for your area.
Warning signs to avoid
If someone asks you to pay a fee, send a gift card, or guarantee a federal grant in exchange for your bank information, it's a scam. The federal government does not award unsolicited personal grants.