If you are a homeowner experiencing difficulties or loss of income, you may qualify for assistance through the Making Home Affordable program. The federal program offers a variety of options to make your home more affordable, including refinancing or loan modification. To qualify, your mortgage payment, including taxes and insurance, must exceed 31 percent of their income. There are no income limits. Low-income homeowners may contact the Public Housing Authority (PHA) for assistance for housing, or contact HUD to apply for Choice Voucher program. In Concord, Calif.., A house of two can not exceed $ 31,400 per year to be eligible for a bonus. Are expected to pay a reasonable portion of their income on their mortgage, with the bond to cover the rest.