Family Self-Sufficiency Program (FSS)

Family Self-Sufficiency Program (FSS) is sponsored by Michigan State Housing Development Authority (MSHDA). The Family Self-Sufficiency (FSS) Program is an economic independence program administered through MSHDA's Housing Choice Voucher Rental Assistance Program.

New generative AI chatbot now available on Michigan. gov/MSHDA Our new AI chatbot is designed to help you find information more easily on our website. Look for it in the bottom right corner of your screen.

For details on how it works, visit the State of Michigan's chatbot information page.

* Housing Education Program * MSHDA MI Home Loan Lending Partners * MSHDA Mortgage Credit Certificate (MCC) Lending Partners Housing Education Program Go to Housing Education Program MSHDA MI Home Loan Lending Partners Go to MSHDA MI Home Loan Lending Partners Go to Top Loan Officers 2025 MSHDA Mortgage Credit Certificate (MCC) Lending Partners Go to MSHDA Mortgage Credit Certificate (MCC) Lending Partners * Housing Choice Voucher Program (HCV) Housing Choice Voucher Program (HCV) Go to Housing Choice Voucher Program (HCV) Housing Choice Voucher Program Information for Landlords Go to Project Based Vouchers Information about the Project Based Voucher program.

* Compliance for Rental Housing * Performance Based Contract Administration * HUD Links and Other Resources * Asset Management Contacts and Resources Information about assistance for Renters * Homeless & Special Housing Needs Programs * Michigan's Campaign to End Homelessness * Resources & Related Links Homeless & Special Housing Needs Programs Go to Homeless & Special Housing Needs Programs Michigan's Campaign to End Homelessness Go to Michigan's Campaign to End Homelessness Resources & Related Links Go to Resources & Related Links State and national links to homeless and special housing needs information.

* Architects and Contractors * Contractor Assistance Program * Emerging Developer Resources * Employer-Assisted Housing * Housing and Community Development Fund (HCDF) * Low Income Housing Tax Credits (LIHTC) * Missing Middle Housing Program * MSHDA Housing Tax Increment Financing (TIF) * Multi Family Direct Lending Programs * Pass-Through Bond Program * Tribal Nations Housing Development Architects and Contractors Go to Architects and Contractors Standards of Design for Preconstruction manual and forms Contractor Assistance Program Go to Contractor Assistance Program Emerging Developer Resources Go to Emerging Developer Resources Employer-Assisted Housing Go to Employer-Assisted Housing Go to Environmental Review Developers & Contractors Environmental Review Housing and Community Development Fund (HCDF) Go to Housing and Community Development Fund (HCDF) Low Income Housing Tax Credits (LIHTC) Go to Low Income Housing Tax Credits (LIHTC) Low Income Housing Tax Credits (LIHTC) Missing Middle Housing Program Go to Missing Middle Housing Program MSHDA Housing Tax Increment Financing (TIF) Go to MSHDA Housing Tax Increment Financing (TIF) Multi Family Direct Lending Programs Go to Multi Family Direct Lending Programs Information on Direct Lending Parameters, Gap Financing Programs, Equity Bridge Loan Program, Notice of Intent to Apply, LIHTC Application and Exhibit Requirements for Direct Lending Programs, Other Information (Mortgagor and Contractor's Cost Certification Guide and forms, HOME Subsidy Limits, Direct Lending Intake Forms, Contractor Requirements, and the Modified Pass-Through Program), Parameters Pass-Through Bond Program Go to Pass-Through Bond Program Information about the Pass-Through Bond Program MSHDA HUD Section 3 policy and these guidelines have been prepared to provide information and guidance to Section 3 recipients on how the Michigan State Housing Development Authority (MSHDA) will administer the Section 3 regulations.

Go to Statewide Housing Plan * Statewide Housing Partnership Tribal Nations Housing Development Go to Tribal Nations Housing Development * Business Development Account Managers * Lenders – Grow Your Mortgage Business with MSHDA * Realtors – Grow Your Business with MSHDA Go to Become a MSHDA Lender Business Development Account Managers Go to Business Development Account Managers Lenders – Grow Your Mortgage Business with MSHDA Go to Lenders – Grow Your Mortgage Business with MSHDA Realtors – Grow Your Business with MSHDA Go to Realtors – Grow Your Business with MSHDA * Authority Board Meetings Go to Authority Board Meetings * Authority Board Members MSHDA's impact across the state Go to Transparency & Reports MSHDA's Transparency and Reports * Housing Education Program * MSHDA MI Home Loan Lending Partners * MSHDA Mortgage Credit Certificate (MCC) Lending Partners BackHousing Education Program BackMSHDA MI Home Loan Lending Partners BackTop Loan Officers 2025 BackMSHDA Mortgage Credit Certificate (MCC) Lending Partners * Housing Choice Voucher Program (HCV) BackHousing Choice Voucher Program (HCV) BackProject Based Vouchers * Compliance for Rental Housing * Performance Based Contract Administration * HUD Links and Other Resources * Asset Management Contacts and Resources * Homeless & Special Housing Needs Programs * Michigan's Campaign to End Homelessness * Resources & Related Links BackHomeless & Special Housing Needs Programs BackMichigan's Campaign to End Homelessness BackResources & Related Links * Architects and Contractors * Contractor Assistance Program * Emerging Developer Resources * Employer-Assisted Housing * Housing and Community Development Fund (HCDF) * Low Income Housing Tax Credits (LIHTC) * Missing Middle Housing Program * MSHDA Housing Tax Increment Financing (TIF) * Multi Family Direct Lending Programs * Pass-Through Bond Program * Tribal Nations Housing Development BackArchitects and Contractors BackContractor Assistance Program BackEmerging Developer Resources BackEmployer-Assisted Housing BackHousing and Community Development Fund (HCDF) BackLow Income Housing Tax Credits (LIHTC) BackMissing Middle Housing Program BackMSHDA Housing Tax Increment Financing (TIF) BackMulti Family Direct Lending Programs BackPass-Through Bond Program BackStatewide Housing Plan * Statewide Housing Partnership BackTribal Nations Housing Development * Business Development Account Managers * Lenders – Grow Your Mortgage Business with MSHDA * Realtors – Grow Your Business with MSHDA BackBecome a MSHDA Lender BackBusiness Development Account Managers BackLenders – Grow Your Mortgage Business with MSHDA BackRealtors – Grow Your Business with MSHDA * Authority Board Meetings BackAuthority Board Meetings * Authority Board Members BackTransparency & Reports /mshda/rental/housing-choice-voucher/hcv-family-self-sufficiency-program Search is currently unavailable.

Please try again later. ### Popular on michigan. gov * Agriculture and Rural Development * Health and Human Services * View Assistance Programs Unsupported Browser Detected The web Browser you are currently using is unsupported, and some features of this site may not work as intended.

Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan. gov has to offer. HCV Family Self-Sufficiency Program # HCV Family Self-Sufficiency Program 1.

[](https://www. michigan. gov/mshda "MI State Housing Development Authority") 3.

Housing Choice Voucher Program (HCV)") 4. HCV Family Self-Sufficiency Program ## An Economic Independence Program of the Michigan State Housing Development Authority The FSS Program is administered through the Michigan State Housing Development Authority’s (MSHDA) Housing Choice Voucher Rental Assistance Program. MSHDA provides housing assistance, an interest-bearing escrow account, and the general coordination of the FSS program.

Families living in assisted housing are often subject to a multitude of personal and financial troubles including a dependence on social service programs, and a limited ability to change their status. Families often want out of this situation, but feel they are faced with unsurmountable barriers.

The Family Self-Sufficiency (FSS) Program provides for coordination of local, community-based resources that promote economic independence for families living in assisted housing. Let yourself envision a future where you are in control. > Would you like to own your own home?

> Have you ever wanted to finish school? > Would you like to improve your income or even pay off debts? As a HCV Participant these are some of the things you may choose to do if you become a successful FSS Participant.

As a FSS Participant: * Your Rental Assistance status will not change. You will continue to receive rental assistance like you currently do now. * Your portion of the rent will continue to be based on your income.

* When your earned income increases, MSHDA will deposit funds into a FSS escrow account . * Whether you are currently employed, unemployed, or in school, you will receive assistance in establishing employment and/or education goals. * At the successful completion of the contract, the head of household receives escrow monies.

* Escrow funds can be used towards a down payment for a home, educational expenses, or to pay off debt. ### Eligibility Requirements * Current participant in MSHDA’s HCV Rental Assistance Program. * Enter into a contract where along with your FSS Resource Coordinator, step-by-step goals will be developed and monitored for your achievement.

* The head of the household must seek and maintain suitable employment. * The head of the household must complete activities (goals) defined in the individual training and services plan. * All family members must be independent of cash welfare assistance for the final twelve months of the FSS contract.

* Participants must attend Financial Management/Economic Literacy counseling and will be preassessed for homeownership eligibility.

### Your FSS Resource Coordinator can assist you towards a self-sufficient pathway by: * Assessing Individual Needs * Coordinating Available Resources * Goal Setting & Monitoring ### How the Escrow Account Works The family pays a portion of its housing costs relative to the family’s income and MSHDA subsidizes the balance. When the family’s income increases, the family pays more money monthly for rent.

Under the FSS program, as the tenant pays more for rent, MSHDA makes a monthly deposit into their account based on the amount their rent changes due to change in their earned income. **Example:** Based on 30% of monthly-adjusted income. Rent at begin date of initial FSS Contract: Family’s rent portion is$100 – MSHDA's portion to landlord is$400 Six months later family’s income increases.

Family’s rent portion is$200 – MSHDA’s portion to landlord is$300 FSS earned escrow monies per month would be $100. MSHDA originally paid $400 and now pays $300 (400 – 300 = 100). **Note:** Increases in assistance payments, child support, etc. will affect the rent, but will not put money into the FSS account.

The future may be brighter than you think! Please contact a MSHDA FSS Specialist for more information: Office of Housing Voucher Programs Empowering individuals and families today for a better tomorrow! * [](http://www.

facebook. com/MSHDA) * [](http://twitter. com/MSHDA) * [](http://www.

youtube. com/user/MSHDAvideo) * [](https://www. linkedin.

com/company/michigan-state-housing-development-authority) HCV Family Self-Sufficiency Program * Combined Application for Rental Housing Programs * Countywide Area Median Income * Campaign to End Homelessness * Housing Choice Vouchers * Consumer Privacy Policies and Practices * Language Assistance Services | Servicios de Asistencia de Idiomas | خدمات المساعدة اللغوية