One of the most important things that you need to do as a single mother is to provide your child with adequate housing. This may seem to be easier said than done, but there are a number of organizations that you can turn to for adequate housing help for single mothers.
These are both government-sponsored and private initiatives and you will be surprised at how many organizations out there just want to help you find a home.
Your Local Housing Authority
The best place to start your search for housing help for single moms is in your own state. This is where you are most likely to find something that is appropriate and convenient for your specific area and needs. If you click here you will find a comprehensive list of all of the websites that you will need to find information about the Local Housing Authority in your area. Before you look into any other programs, this is where you should start.
- Firstly you should consider the Local Housing Authority that oversees your specific city or county. This can be found at the top of the webpage that is mentioned above. In many cases you will have to look no further than this to find the assistance that you are looking for.
- If necessary you should then turn your attention to overall state Housing Authorities, if, of course, your state is included on the list provided.
There are many different sites to consider and you may find that the procedures and offers are different from state to state and even from region to region within the same state. This is why specific in-depth research into your own state’s situation is required if you are to find the housing help for single mothers that you seek.
Housing and Urban Development (HUD)
The Housing and Urban Development program is aimed at offering housing help for single mothers and other low-income families.
The first way in which you could benefit from the HUD program is by contacting an HUD counselor to help you analyze your situation and determine what your best course of action may be. The counselor will be able to give you:
- Advice on buying a home
- Advice on renting
- Advice on defaults
- Advice on foreclosures
- Advice on credit issues
In order to find a list of HUD counseling agencies in your area, please visit the U.S. Dept. of Housing and Urban Development.
You will be able to get the following counseling services free of charge from the HUD:
- Foreclosure prevention counseling
- Homeless counseling services
Additional counseling services come at a fee. However if you are able to demonstrate that you are unable to pay the counselor will give you counseling free of charge. Other areas that you may be counseled in and that may cost you include:
- Pre-purchase counseling services
- Reverse mortgage counseling services
- Rental counseling services
- Non-delinquency post-purchase counseling services
At HUD HomeStore you can look for homes that are for sale from the HUD. Click on your state and see what homes in our area are available and then contact the HUD to take it further.
Habitat for Humanity
Another option that you have is buying a house through Habitat for Humanity. In order to do this you will need to demonstrate the appropriate level of need, that you are willing to partner with habitat for Humanity in actively helping to build your own home and the homes of others, and that you are willing to pay back the interest-free loan that the organization will provide you with on a timely basis. If you are able to do all of these things than this is the perfect way to get a home if you are a single mother.
To apply for help through Habitat for Humanity you will need to visit their site and find the Habitat for Humanity unit that serves your area. This is because the different branches may have slightly different eligibility requirements and you will obviously need to meet the specific requirements for your area. In general you will have to be citizens or legal residents in order to apply and prove that you earn a steady income. In addition you may be required to have good credit and that you earn a monthly income that falls within minimum and maximum limits. Last but not least you must be able to sustain a savings account over a specified period of time.
Individual Development Account (IDA)
This is essentially a matched savings account. The point of an IDA is to help low-income families, such as those headed by single mothers, to save up until they have enough money to pay for something such as a house. The account is usually held by a local organization, so you will have to do a bit of research in your area to find out what options are available to you. This is a great way for you, as a single mother, to provide your child with one of the most important things that they need to have a healthy life – a safe home. The information below will help you to find out all of the information that you need about accounts like these in your area and about how to go about finding out the eligibility requirements. Remember that these can differ significantly from situation to situation, so do your research well.
For more information about matched savings accounts, or IDAs, visit:
To find a program in your area, contact:
- The Corporation for Economic Development’s Searchable IDA Directory
- Work World’s State-by-State Listing of IDAs
Family Unification Program
The Family Unification Program is specifically aimed at keeping families together in cases where they may not be able to afford a home or may have to give up their home for financial reasons. The unity of the family is an essential aspect of family health. This is especially true in single mother families where the children already only have one adult to rely on. Unity is important. The program works like a grant in that the single mother is given financial assistance in getting a home. Over time she will have to become able to afford the home herself, but the initial money will never need to be repaid. For more information about this program you should visit the Federal Grants Wire.
The contact details for the program are:
Laure Rawson, 451 7th Street, S.W.,
Washington, District of Columbia
At www.federalgrantswire.com in general you will be able to find information about a variety of other grants that single mothers could benefit from. Remember that grants are preferable over loans and many other forms of financial assistance in that they do not need to be paid back at any point. If you can demonstrate sufficient need you will be able to apply for the grants mentioned at this website to support yourself and your family.
Catholic Charities USA
Not all of the housing help for single mothers options are funded by the government; there are a number of charities out there that are aimed at keeping you and your family together in a safe environment. Providing the means to get a home is one of the primary focuses, for examples, of Catholic Charities USA. In addition you may be able to apply to Catholic Charities USA for other financial aid in other arenas as well as the organization is not limited to helping single mothers and other low-income families solely with housing. However, as housing is the focus of your quest today, we will look more closely at the housing options offered by this organization.
Catholic Charities USA works with the Federal Housing Association in order to help single moms afford a new home without at the same time adding to the debt burden that they are already under. This makes them a very good bet for single mothers looking for a way to afford decent accommodation for themselves as well as for their children. The charity organization works with Serenity House and Villa Guadalupe to provide housing. Requests for assistance can be made to 1-866-649-5862 (toll-free).
St. Vincent de Paul
This is another non-government organization that helps single mother families with a variety of different financial issues. When it comes to housing, the organizations:
- Offers grants to loan parents who may be working but not making enough money to pay closing costs or rent deposits
- Helps with emergency housing in cases of domestic violence or other issues
For more information about how to seek assistance through this organization, you can visit their website. According to the website the organization offers the following services:
- Food programs
- Emergency financial assistance
- Emergency transportation
- Disaster relief and victim services
- Rent/mortgage assistance
- Low-cost housing
- Shelters for the homeless
- Shelters for the abused
- Assistance for victims of AIDS, substance abuse, and crime
- Thrift Stores
- Free pharmacy services
- Employment services
- Job training
- Referral service
- Education programs (GED)
- Homemaker services
- Budget counseling
- Nutritional education
- Youth programs
- Camp programs
- Social justice programs
- Twinning, foreign and domestic
- Prison Ministry
- Halfway houses for ex-offenders
- Burial of the indigent
- Embracing the lonely, forgotten, and alienated
- Service to anyone in need
So, as a single mother you should be able to make use of more than just the housing assistance services offered by this organization.
American Dream Down-Payment Initiative (ADDI)
This is another government program aimed at helping low-income families such as those headed by single mothers find housing in safe and developing communities across the country. Through this program you can get up to $10,000 toward fees and closing costs, if you can prove that you are able to meet the monthly payment obligations.
In order to qualify for this assistance:
- You must be first-time home buyers interested in purchasing single family housing
- You must have incomes not exceeding 80% of area median income
The funds you are given through the program should you qualify can be used for the following home-related purposes:
- Down payment
- Closing costs
- Rehabilitation in conjunction with a home purchase
As of 2008 the maximum household incomes allowed for eligibility for this program were as follows:
- 1 person = $34,250
- 2 persons = $39,100
- 3 persons = $44,000
- 4 persons = $48,900
- 5 persons = $52,800
- 6 persons = $56,700
- 7 persons = $60,650
- 8 persons = $64,550
To find out more you will need to contact your local HOME administering agency. This is an ideal source of housing help for single mothers in that it is provided by the government to all who are eligible. As you can see there are a number of initiatives aimed at ensuring that you and your children are able to live safely together in an adequate home.
These are just a few of the options that you may have available to you in your area. Remember that different states tend to have different structures in place for helping low-income families such as those headed by single mothers to provide adequate shelter for their children. There are, of course, eligibility requirements that you will need to comply with in each case, but there is no harm in trying. The least that you can do is to apply for housing help for single mothers, and the worst that the organization can do is to say “no”.