Multifamily Housing Family Self-Sufficiency (FSS) Program

Family Self-Sufficiency (FSS) is a HUD program that provides incentives and supports to help families living in multifamily assisted housing to increase their earned income and reduce their dependence on public assistance programs. FSS promotes local strategies to connect HUD-assisted families with public and private resources that help them progress toward economic independence.

Owners of privately-owned HUD assisted multifamily housing with Section 8 contracts can voluntarily establish and operate an FSS program at their housing sites. Participation in the FSS program is voluntary for families living in these properties.

The FSS program helps assisted housing residents increase their earnings and build financial assets. The program has two key features:

  • A financial incentive for residents to increase their earnings in the form of an escrow account that grows as residents’ earnings increase. The escrow account helps residents build savings that they can use to improve their quality of life and advance their personal goals.
  • Case management or coaching to help residents access services they may need to overcome barriers to employment and strengthen their financial capabilities.

NOTE: This page is for FSS programs serving residents of HUD-assisted multifamily housing. For information on FSS programs serving public housing residents or Housing Choice Voucher holders, visit PIH's FSS page.

Featured Resources & Topics

Message from the Deputy Assistant Secretary

Lamar Seats, Deputy Assistant Secretary for Multifamily Housing, shares an important message about the FSS program in this brief video.

“I encourage our housing owners and management agents to learn more about Family Self-Sufficiency and choose to offer this opportunity to their residents. Please join HUD in offering our residents the opportunity to build a brighter financial future. We all must work together to create access to opportunity and vibrant communities for all.”

Watch DAS Seat’s brief invitation video | View the transcript

What is FSS?

This video, produced by Compass Working Capital, provides an overview of the FSS program.

View the video | View the transcript

FSS Program Guidebook for Owners of Project-Based Section 8 Developments

FSS Program Guidebook for Owners of Project-Based Section 8 Developments

This guidebook provides owners with information on promising practices that can help them establish and run an effective FSS program.

Multifamily FSS Escrow Credit Worksheet

Multifamily FSS Escrow Credit Worksheet

This Excel worksheet calculates escrow credit for participating households. It is meant to be used for initial calculation and at each income recertification.


View More FSS Resources and Training

Contacts and Mailing List

Sign up for the Multifamily Housing Rental Housing Integrity Improvement Project (RHIIP) Mailing List. This service provides up-to-date RHIIP related publications, news, information and occupancy tips in an effort to help reduce errors in rent determinations and subsidy calculations.

You may also submit inquiries to:

How to Submit an Action Plan to HUD?

Before implementing an FSS program, an owner must have a HUD-approved Action Plan that complies with the requirements of Housing Notice H-2016-08.

The Action Plan should be developed in consultation with the public and private entities that will provide tenant services and/or other resources for the operation of the FSS program.

To be considered for approval, owners must:

  • Submit Action Plan to
  • Attach Action Plan to email as a PDF, Microsoft Word file, or other text file.
  • Include the words "Action Plan" in the subject line along with the project name and contract number.
    • Example: Action Plan Brightwood Place IL06M123456

If an owner is requesting to fund an FSS program coordinator through the use of residual receipts, then the owner must complete form HUD-9250, "Funds Authorizations", and submit it as an attachment along with the Action Plan in the email sent to HUD. Refer to Section III.A of the Notice H-2016-08.