Help With Housing and Homelessness: How the Continuum of Care Program Works

What the Continuum of Care program is

The Continuum of Care program, or CoC, is run by the U.S. Department of Housing and Urban Development (HUD). It sends money to local groups that help people who are homeless or close to losing their housing.

You do not apply to HUD directly as a person. HUD funds local organizations. Those groups then offer things like help finding a home, rent support, and case workers who connect you to other services.

On November 3, 2026, HUD published a notice about the funding cycle for the 2026 CoC program. It confirmed that the application window for local groups was re-opened on September 18, 2026. That means money is still moving through this round to communities across the country.

Who the program is meant to help

The CoC program is built for people facing a housing crisis. That can mean you are already homeless, staying in a shelter, or at serious risk of losing your home.

It also serves families, veterans, youth, and people fleeing unsafe situations. The exact services depend on your local Continuum of Care, because each region decides how to use its funding.

Because the help is local, the best move is to connect with the groups in your area. They can tell you what you qualify for right now.

What you can get and how to start

Through local CoC-funded groups, you may get help with finding housing, support to pay rent, and a case manager. Some programs offer permanent housing with ongoing support. Others focus on short-term help to get you back on your feet.

This help is free. You never have to pay a private company to reach a HUD-funded housing program. Anyone who asks for a fee to get you into this program is not an official part of it.

The fastest way to start is to call 2-1-1 or contact your local HUD-approved resources. They can point you to the right doorway in your community.

Frequently asked questions

Can I apply to HUD for this money myself?

Not directly. HUD funds local groups, and those groups serve people. Call 2-1-1 or contact your local Continuum of Care to get connected to services.

Does it cost anything to get help?

No. Official HUD-funded housing programs are free. You never need to pay a private company to apply, and no one should charge you to reach this help.

Who qualifies for Continuum of Care help?

It is for people who are homeless or at risk of losing their housing. Each local program sets its own rules, so ask your local provider what you qualify for.

I am at risk but not homeless yet. Can I still get help?

Yes, many CoC programs serve people at risk of homelessness. Reaching out early gives you the best chance to stay housed.