; (2) such programs help protect low-income and at-risk households from the trauma and disruption of homelessness and save property owners from the high costs of forced eviction and re-occupancy; and (3) investing more resources in eviction prevention helps communities save on the high cost of homelessness by stopping homelessness before it starts—for example, according to 2015 data, the Massachusetts Housing and Shelter Alliance estimates that a homeless individual residing in Massachusetts creates an additional cost burden for State-supported services (such as shelters, emergency room visits, and incarceration) that is $9,372 greater per year than for a housed individual. 3. Pilot program for legal assistance for housing issues for low-income families (a) Authority The Secretary of Housing and Urban Development (in this section referred to as the Secretary ) shall carry out a program under this section, through the Office of Community Planning and Development, to make grants to the extent amounts for such grants are made available pursuant to subsection (f) to eligible organizations under subsection (d) to provide legal services and other related supportive services under subsection (e) on behalf of eligible low-income families under subsection (c). (b) Selection of grantees The Secretary shall select eligible organizations under subsection (d) to receive grants under this section taking into consideration factors, including— (1) factors necessary to ensure an equitable distribution of grants to grantees serving urban areas (as such term is defined by the Secretary) and to grantees serving rural areas (as such term is defined by the Secretary), except that the Secretary shall ensure that, of any amounts made available for any fiscal year for grants under this section, not less than 20 percent shall be used for grantees serving rural areas