No matter how cash-strapped you are, you will need a house to keep your kids safe and secure. As a single parent, you are the sole provider for your family. The situation becomes challenging because you are not just the breadwinner, but also the caregiver and emotional anchor of your family. You can find myriad housing programs for single parents under the sun. However, before opting for any one of them it is essential to prepare the ground.

One of the most difficult things for many single mothers is finding affordable housing or housing grants for single mothers. You want your kids to be able to play and be a little rambunctious while also being safe. Of course, the ideal home for children may seem to be a single family home with a fenced yard and a neighborhood watch program but for most single mothers that may be outside the household budget. So if you’re stuck with choosing an apartment as a single mother there are a few things to look for before you sign a lease.

A question that many people ask is: “I am a single mom and a first time homebuyer and how do I know what loans I qualify for?”. There are many types of loans that work for everyone and they are all listed here:

According housing assistance for single mothersto the U.S. Census data, 83 percent of the single-parent households are headed by mothers, who typically face a lot many difficulties in making the ends meet. Marilyn Timbers, a financial advisor with ING Financial, says, “Single parents are only relying on themselves, and they are torn on how to prioritize their money.” She also states, “Single parents usually feel less secure about money, regardless of how much they have.” So, what do single moms need to do to enhance their financial position and feel a little bit more empowered?

As you set out to investigate your options for housing assistance, check out your current financial status. Thereafter, prioritize your needs, set goals and create a budget. Now that you have a fair idea of your earnings and expenses, you can start applying for different housing programs for single mothers. These deliberations are critical as they will help you to streamline the application process.

Types of Housing Assistance

When you are desperately seeking a home for your family, you need to set your goals judiciously. Although housing grants for single parents can lessen your housing expense to a great extent, you would also need to pitch in to pay off the rest. So, stick to your goal list and keep on saving. Remember, a little bit here and a little bit there can also make a difference. Just by stashing $10 each week, you can build up $7,800 in 15 years.

Local housing organizations

Housing for Single Mothers

Housing for Single Mothers

These organizations are very helpful to all single mothers who need housing assistance. Different states have different local housing organizations, but they all have space for housing assistance for single mothers. These organizations have different packages for home ownership depending on the different classes of people available. Look out at local libraries, parks and banks because they often offer many free classes that can help out.

Non-Governmental organizations that offer housing grants for single mothers

These organizations also provide the much-needed help in securing a good home for the single mom and her family. Some organizations may need proof of the single mother’s need for assistance by carefully looking at her financial statements and also her urgency of need.

Organizations that offer single mothers with help on how to save money to buy homes

These organizations are also a good option for any single mother who wants to own a home. They offer help for single mothers who have attained the needed savings to at least make half the payment for the home. They are very instrumental in making sure that many single mothers own homes because they help in securing them jobs so as to be able to raise the money by saving.

Government Organizations

Housing for Single Mothers

Single Mom Financial Help

A great organization to find housing help is the USDA (U.S department of agriculture), a government organization. Even though it may not seem like it, the USDA is a great resource to find housing help, especially in more rural areas.

On their website, they have some great resources and programs that you can look into for various types of housing needs, whether it is building a new home, repairing your house, renovating your home, or even relocation. They provide various programs, funding, and partnerships for those living or looking to live in rural areas of the U.S.

Their biggest programs are called the housing and community facilities programs, in which all their other rural development housing aid programs are a subcategory.

Their website has information regarding eligibility and how to apply for some of their aid. If you are interested in the USDA’s services, you can always contact them on their website, or find an office near you, or call them to find out more about the different ways that you can use the USDA’s housing assistance for single mothers.



Lastly, if you are interested in government assisted housing or public housing, the best place to look is the HUD (Housing and Urban Development). They have a program called Public housing, which is limited to low-income residents. It provides them with rent rates that they can afford. This is a joint program managed in conjunction with local housing agencies (HAs) that determine the eligibility of each applicant. If this is something you are interested, check out the Public Housing HUD website

Any single mother should not feel ashamed to approach any of these institutions. After all, they exist so as to make the single mother have access to a more better housing environment for herself and her family as well. The best decision that any single mother can ever make is to visit them and work hard in fulfilling her part so as to be able to get the needed help. All said and done, every single mother who needs decent housing will definitely get it because there are many organizations that are ready to offer an extended helping hand by offering to house for single mothers help to her at all times until she gets exactly what she wants.

Dig deep and be honest

While applying for different housing programs for single moms, you should start with a budget too. Savings won’t happen if you continue to live paycheck to paycheck. Count every soda, coffee, burger, and candy. There is nothing wrong with a little treat every now and then, but you should keep in mind that even $10 can make a difference in 15 years when your kids will grow up and those $10 treats will become tiny and insignificant for them by then.

Low-Income Single Moms

There is a great housing program for low-income single moms called Mercy Housing that helps single mothers find housing and provide other real estate services. Their mission statement includes providing “supportive programs improve the economic status of residents, revitalize neighborhoods and stabilize lives”.

Some of the services they afford are management groups with professional property management, loan funds to provide people with loans and portfolio services to help support families looking into bankruptcy. They take donations from people in the community to be able to provide the great services that so graciously provide the resources and take the challenge of combating the issue of affordable housing.

Find out more about Mercy Housing at

Have an emergency fund plan that doesn’t include relying on credit cards.

Housing or rent assistance does not go well with debt. This ugly four-letter word should be avoided as much as possible, especially of you are applying for various housing programs for single parents. Sometimes unwarranted emergencies drain away all your savings and give your budget a jolt. It is advisable to stay away from credit cards. For instance, if you use your credit card to pay $6,000 for car repair, you will end up paying $10,000 at the end of your debt period. Debt like this can adversely impact the monthly amount of funds you have available to you to put towards your home – this is true for anyone and everyone.

What does your emergency fund consist of?

Instead, always have an emergency fund that you regularly add to; even if it’s just a few dollars a week, you’ll have something, which is better than nothing, and when an expensive event does come up, because it will come up, you won’t be in such a panic trying to pay for it. You might consider meeting a bank representative to discuss options for low-risk funds, such as a money market fund or CD to help those savings grow steadily.

single-mom-helpFor more information on forms of assistance and support for single moms, there are many excellent online resources available that are specifically targeted at this very subject. There are opportunities and programs available to help with everything from medical expenses and food to housing assistance for single mothers and going back to school, so be sure you evaluate every option that may be available to you!

 Ever Considered an Apartment?

Ground Floor Apartment

Single mothers often find that a ground floor apartment is a better choice than one that is atop another family. Children like to play and jump and bounce; a ground floor apartment makes this possible without enduring complaints from the family downstairs.


An apartment complex with a security office, intercom door systems, grated lower floor windows etc. is what you should look for in order to make sure you and your children are safe and sound in and outside of your apartment. Not all apartment complexes have all of these options but you can evaluate all the options and possibilities before you choose an apartment.

Child Friendly

Is there a playground? Maybe a swimming pool? Do you see children playing outdoors in the apartment complex? As a single mother, you more than likely have a job, you probably don’t want to come home from work just to have to take the children to a park or other outdoor area to play. An apartment complex often has child-friendly activities and equipment as well as other children to play with. You can simply walk outdoors and enjoy a book while your kids play if you choose this kind of apartment complex. You also might want to look around for childcare around the area for easy commute.


Luckily many apartments offer amenities such as cable or water service as part of your rent. This enables you to save some money toward getting your own home later. Another benefit of apartment living for a single mother is the maintenance. You don’t have to mow the lawn, trim the shrubs or worry about painting and maintaining the outside of your apartment. When something breaks or an appliance dies that is included in your apartment rent- you’ll get a repair or new appliance! ]

The cost benefits of apartment living is one of the main reasons to give up the idea of a single family home for a while! These days there are many housing organizations that work for the purpose to provide single mothers with options so that they have the chance to find the housing that they so deserve and can afford. This may include subsidized apartments and other offers for cheap housing and mortgage.

The key to finding the ideal apartment for you and your children is to visit, ask questions and thoroughly check out the complex before committing to a lease. Single moms have a lot on their plates. They have to juggle all the bills, handle all the transportation and manage to feed their child a healthy diet on what is usually a tight budget. Choosing to live in an apartment as a single mother is a wise decision and one that can help with several areas of being a single parent. There’s the possibility of a neighbor taking on babysitting duties, other children for your kids to play with and even carpools to take advantage of to make your life easier! Interestingly, there are also low-income apartments for single mothers that want to save some money on them as well!

Housing Grants & Assistance: FAQ’s

Q: I don’t have a stable place to live. Where can I go to rent a cheap apartment or house?

A: Each state, city, area varies on rent and how much it will cost but you definitely have to compromise a bit in order to find a home within your preferred price range. You can look in finding places such as studios, apartments with one bedroom, and or fewer amenities. Also, look into what places have vacancies, some places are bank-owned so they at times tend to be at a lower price, and try bargaining with your retailer. If you are unsure you can also contact HIP, which is the Housing Initiative Program who can help you find a home fitting your needs.

Q: What do housing grants help with?

A: There are many different types of housing grants so you may want to look into the one you’re applying for. Though, different sorts of grant applications for different things such as some pay for housing fixtures, so fix a leakage, something broken, etc; help pay a portion of your mortgage; help pay so of your rent and so forth. So they vary, make sure you research and are applied for the one in which you will receive the most benefit out of.

Q: How does the HUD provide help for single mothers in my situation?

A: HUD is a US Department of Housing and Urban Development which helps provide and safe and secure rental housing facility for low-income families who are eligible. The family has to fall under a certain income amount, show citizen/immigrant status, and show living conditions. All factors are put into consideration when being offered.

Q: Can you please explain the section 8 voucher?

A: The section 8 voucher is a federal program administered by the local housing authorities and those who are eligible receive a voucher that they can use to help them pay for an apartment in the private market. In other words, if you qualify for the section 8 voucher, you can receive money put towards helping you buy an apartment.

Q: Is there any government help available for me to find a place to live?

A: There are many government grants to help with housing. The best place to look would be as they provide housing help to whoever needs is. Also, HIP (housing initiative program) is a nice place to look for housing help. There are also local organizations that help temporarily with finding housing. You can also look for places that your state has to help you find houses/ apartments to live. Once you find a place, contact them and ask them how you can acquire the place to live.

Q: I can no longer afford my rent and am thinking of moving out to a cheaper place. Where should I begin my search?

 A: If that is becoming the situation, a perfect idea is to move out and find a cheaper place to live so you can cut down on your payments. This may require the need for grants that are readily available if you qualify. Look into apartments because they are the cheapest place to live and you may receive some grants if you find a place to live there. Also, finding a roommate or someone to split the payment with really helps.


Your girth and determination will help you to excel and succeed. Just play your cards right and you will find a good housing program for single mothers within no time. Curtail your expenses, increase your savings and adhere to your budget. This is all you need to do to save more and get a home. Don’t feel like you are alone in this, there is a lot of help available. Don’t forget to look at local help and libraries

Leave a Reply

Your email address will not be published. Required fields are marked *