Family Self-Sufficiency Program

Havre de Grace Housing Authority Family Self-Sufficiency Program

Getting out of debt.

Earning a degree or certification.

Landing a job that pays more than minimum wage.

Buying your own car—or even home.

HDGHA’s innovative Family Self-Sufficiency Program (FSS) makes these milestones and more come true every day.

We have helped dozens of families achieve all this and more through this free, voluntary service that helps our residents gain true economic independence.

What is FSS?

Looking to understand what the Family Self-Sufficiency (FSS) program is and how it works? This video explains more.

Apply for FSS Program

Please contact the FSS Manager by calling or visiting the management office at (410) 939-2097

How It Works

Participants work with a case manager to assess their strengths, identify barriers, set goals and achieve them.

Through the FSS program, clients can develop job skills and gain the training needed to achieve economic independence. Other services provided on an individual and as-needed basis include education, employment opportunities, child care, transportation, budgeting, credit and more.

As the family increases their income during the program, their rent will increase, decreasing the amount the government must pay. HDGHA puts a portion of that increase into an Escrow savings account each month, and upon graduation from the program the family receives the money, which has also earned interest. Clients have received anywhere from several hundred to $16,000.

A family working towards homeownership receives education and step-by-step guidance on the process of purchasing a home, including credit, employment and savings to get them mortgage ready.

Families may participate in the FSS program for up to five years. (In some cases, FSS may extend the contract for two more years.)

Families graduate when they have secured full-time employment, not received welfare cash assistance for 12 consecutive months, and have met all their FSS goals.

Results

In the last two years our participants had numerous accomplishments including (Updated 3/1/2026): 

  • 7 Enrolled in College
  • 49 Maintained Employment for More Than One Year
  • 28 Increased or Maintained Involvement in the Community
  • 12 Received Personal Financial Literacy/Management Counseling
  • 2 Received Pre-Purchase Homeownership Education/Counseling
  • 49 Obtained Employment Above Minimum Wage
  • 5 Obtained Employer-Provided Health Benefits
  • 7 Enrolled in Secondary Education
    • 5 Associate’s Degrees
    • 2 Bachelor’s Degrees
  • 1 Enrolled in Trade/Vocational Certification
  • 4 Enrolled in Trade/Vocational Program
  • 3 Acquired Higher Education Degree
    • 3 Bachelor’s Degrees
  • Received Trade/Vocational Certificate
  • 1 Completed Trade/Vocational Program
  • 1 Owns a Small Business
  • 1 Enrolled in a Union Apprentice Program
  • 2 Obtained New Employment
  • 30 Residents Worked Full-Time
  • 26 Residents Worked Part-Time
  • 2 Received Pre-Purchase Homeownership Education/Counseling