The U.S. Department of Housing and Urban Development’s (HUD) Housing Counseling Program program provides counseling to consumers on seeking, financing, maintaining, renting, or owning a home. The Housing Counseling Assistance Program enables individuals wanting to rent or own housing— whether through a HUD program, a Veterans Affairs program, other Federal programs, a State or local program, or the regular private market— to get the counseling needed to make their rent or mortgage payments and to be a responsible tenant or owner in other ways. The counseling is provided by HUD-approved housing counseling agencies (HCAs).