Family Self-Sufficiency (FSS) Program
Family Self-Sufficiency (FSS) is a voluntary program for Section
8 Participants. The objective of the FSS program is to
help motivate families move toward self-sufficiency.
process involves a five year contract, between the family
and Charleston-Kanawha Housing, stating their obstacles and
goals to achieving self-sufficiency. Two goals that must be
met under the contract are:
The family must be free of any AFDC, TANF or other welfare
assistance checks and SSI payments that are subject to
income eligibility tests (excluding transitional food stamps
and medical card and SSI payments to guardians of disabled
children) for one full year prior to the expiration date
of the contract;
The family member participating in the FSS program must
seek and maintain suitable employment and be employed at
the expiration date of the contract.
Any other goals that the family may want to obtain can
be added to the contract such as:
Improve your credit
Obtain your GED
Obtain job training
Obtain child care
Purchase a home
your goals, interests and passions are yours and yours alone.
The FSS program is only in place to help you and your family
achieve them .During the term of the contract, Charleston-Kanawha
Housing will assist in connecting the family with the resources
to overcome obstacles and meet their goals to move toward
Facts to Remember
Failure to complete the FSS program
does not affect the Section 8 assistance in any way.
Should the family still be eligible
for rental assistance upon expiration and/or completion
of the contract and wish
to continue, they have that option.
Should the family’s Section
8 assistance be terminated, the FSS Contract of Participation
Completion of the Contract of Participation
occurs when Charleston-Kanawha Housing determines that:
The family has fulfilled all of its
responsibilities under the contract; or
30% of the family’s monthly
adjusted income equals or exceeds the gross rent or payment
has been applied.
Of the Family Self -Sufficiency Program Are:
To date the FSS program has released escrow accounts in
excess of $400,000.
The highest escrow release to date to one individual was
Anytime there is an increase in
household income, there is an increase in the family’s
portion of rent, or decrease in the family’s utility
reimbursement. If a FSS participant has
an increase in EARNED income the difference it makes
in 30% of the monthly
adjusted income is credited to the escrow account on behalf
of the family.
30% of an FSS participant’s income is $25, and that
participant gets a job and that 30% increases to $100. That
is $75 Charleston-Kanawha Housing is no longer paying to the
landlord and instead of reverting that money back to program
funds, that $75 will be credited to an account on behalf of
the family as long as that income is being earned. Based on
increases and decreases in that earned income, the amount
credited to the account will be adjusted. The family will
be notified of changes in the amount being credited and the
reason for such change; and the family will be notified annually
of the amount in the account.
successful completion of the FSS Contract of Participation,
as determined by Charleston-Kanawha Housing, the monies in
the account, minus any amounts owed Charleston-Kanawha Housing
plus any interest earned, will be given to the family.
THIS MONEY IS NON-TAXABLE and can be used as the family
wishes to use it.
Housing has opted to implement a Section 8 Homeownership
program and has opted to link such eligibility to participation
in the FSS program.
Be a first-time
homeowner or not have owned a home within the past 3 years
be employed for the past twelve (12) months, work minimum of
30 hours per week, and earn a minimum gross annual income of $14,500
(current minimum wage $7.25/hr x 2000 hours).
Receive minimum of $710 per month from Social Security/SSI.
Family must attend and complete pre-assistance home-ownership
and housing counseling
Maximum term of homeownership assistance
is 15 years
Type of home: new, under construction, or existing
Two inspections required-
One by CKH and one by independent professional inspector selected
and paid for by family
and loan terms will be reviewed by CKH
Minimum down payment requirement- 3% of purchase price
At least 1% of purchase
price to come from family’s personal resources
Home ownership assistance payments will
be paid directly to the lender
Recapture provisions apply for up to ten (10) years
Monthly Home ownership expenses include:
Principal and interest ( and MIP)
Real estate tax escrow
Home insurance escrow
Allowance for maintenance expenses
Allowance for repairs and replacements, and
Allowance for utilities
you are interested in the Family Self-Sufficiency program