Grants Available for Single Mothers to Find Housing
In actuality, there are almost no grant programs set aside exclusively for single mothers to find housing. There are programs that are funded by grants which make it easier for a single mother to get into a hoe but she will still bear some responsibility for the cost herself. Below are some programs which can help a single mother find housing.
Department of Housing and Urban Development (HUD)
The Department of Housing and Urban Development (HUD) is, in part, responsible for providing adequate housing assistance for citizens. One of the services they offer is counseling on buying and renting homes. If a single mother meets the requirements, she may be able to receive grant money that can be used to pay rent or for paying a mortgage for either an apartment or a house.
State Housing Finance Agency
Your State Housing Finance Agency may not provide grants for housing but they can help you locate housing that is set aside for low income residents. In some cases they may be able to help with the expenses of that housing too. Many states also work with the federal government and have grant-funded housing they can make available to families with low incomes.
Habitat for Humanity
The Habitat for Humanity program is funded by grants and donations from the private sector. A single mother can contact them about assistance in either building or buying a home of their own. They can help you find volunteers to build your home and put you in touch with lenders who provide low interest loans. Most recipients must promise to put in a specified number of hours in building the home as well.
The USDA offers a number of programs that can help single mothers get into a home of their own. Rural Housing Direct Loans are 100% financing, funded by the government and can be used for the dwelling, site and construction as long as the property is in a rural area. You can use the funds to repair or relocate an existing home and to establish water and sewer services, too. The Guaranteed Loan Program works for the single mother who needs a home and has the means to pay the mortgage, taxes and insurance along with an acceptable credit score. The Mutual Self-Help Program allows participants to earn “sweat equity” that can be used toward their own home by helping to build their own home and those of others. A group is put together and they help build each other’s homes in this program and it can save participants as much as 50% off the cost of a new home.