Happy African American mother using laptop and working on paperwork while her daughter is embracing her at home.

As a single mother, finding affordable housing can be overwhelming. You may feel like you’re constantly juggling bills while trying to keep a roof over your family’s head.

Being a single mom is hard. It can make you feel sad and stressed about money. The Census Bureau said that 38.1% of single moms do not have enough money to pay for their house. This makes it harder for them to find a place to live that they can afford.

You are not alone. There are resources available to help you. This guide will tell you about grants and programs that can help single mothers with their housing needs. It will give tips on how to find and apply for grants, whether you need help buying a home or paying the rent.

How Do Single Moms Get Housing Grants?

Single mothers can get help with housing from the government and other organizations. This help usually covers costs like rent, mortgage payments, or fixing up a home. To get a housing grant for single mothers, you need to meet certain rules. This could be that you have to show how much money you make, that your income is low, or even if it’s your first time buying a home.

Applying for a housing grant might be different depending on the program. You will need to prove that you have money, live in the area, and have other documents that help show you can get the grant.

Single mothers can look for government or non-profit organizations that offer grants to help with housing. You can also talk to a housing counselor or social worker who can help you along the way.

We have made a list of special grants for single mothers who are buying a home. This will make it easier for you.

Home Buying Grants for Single Mothers

Single mothers can get help to buy a home. This help is called a grant. It helps pay for costs like the down payment, closing costs, and other expenses. The grant makes buying a house more possible.

Bank of America’s Community Homeownership Commitment®

Community Homeownership Commitment® is a special program that helps people with low and moderate incomes buy a home. It also helps underserved communities, closes the gap between rich and poor, and encourages owning a home for a long time.

Bank of America has a program that helps people buy homes. They give money for down payments and closing costs. They also help people find loans that are easy to pay back. The program will teach you all about the home-buying process so you can make a good decision.

Learn more about Bank of America’s Community Homeownership Commitment®.

USDA Rural Development Housing Help

The USDA Rural Development Housing Assistance program is a government plan to help people who have low incomes. It can help single mothers in rural areas, which are places with not very many people living there. The goal of the program is to make sure everyone has a safe and nice place to live.

Learn more about USDA Rural Development Housing Assistance.

Homeowner Assistance Fund

The Homeowner Assistance Fund is a program from the U.S. Department of the Treasury. It helps people who were affected by COVID-19 and can’t pay their mortgage, property taxes and other housing costs. If you qualify, you may get money to help with these costs from this program.

Learn more about the Homeowner Assistance Fund.

Home Improvement Grants for Single Mothers

Repairs and renovations can be expensive. Single mothers often cannot afford to do them right away. But there are grants for single mothers that give money to help pay for home improvements.

WAP Energy Savings

The Weatherization Assistance Program helps people with low incomes save money on energy. U.S. Department of Energy runs this program. You can get help in all states, Washington D.C., and some Native American tribes.

Learn more about the Weatherization Assistance Program.

LIHEAP Energy Savings

The Low-Income Home Energy Assistance Program (LIHEAP) is a program from the federal government. It gives money to people who don’t have much money. This money helps them pay for their heating and cooling bills. It also helps them save energy, which can make their bills cheaper.

The LIHEAP program helps people who need it. If you qualify, they will give you money to help pay for your home energy bills. They also give you cover repairs and upgrades related to energy in your house.

Learn more about the LIHEAP program.

Federal Housing Administration (FHA) Title 1 Home Improvement Loan

FHA Title 1 loan is for people who want to make improvements to their homes. This could be fixing a roof, changing windows, or putting in air conditioning. It can also help the house use less energy or make it easier for people with disabilities to get around.

The FHA Title 1 loan is a good choice because you do not need to have money saved up. Even if you don’t have much money, you might still get the loan. You also do not need to use your home or any other property as collateral.

Learn more about the FHA Title 1 Home Improvement Loan.

Housing Grants for Low-Income Single Mothers

Rent, bills, and other costs can add up fast. This makes it hard to save money or have financial security. Single mothers with low incomes need help paying for rent and other living costs. There are grants available to give them this help.

ADDI Grant For First-Time Home Buyers

The American Dream Downpayment Initiative (ADDI) grant gives money to people who want to buy a home. This grant helps with the down payment, closing costs, and other fees that come with buying a home. It is for people who do not have much money and have not owned a house in the last three years.

Learn more about the ADDI Grant.

Section 8 Homeownership Program

The Section 8 Homeownership Program is a program that helps low-income families buy homes. The HUD manages this program, and it helps families to buy homes instead of renting them. This program makes it easier for families to become homeowners.

Learn more about the Section 8 Homeownership Program.

Housing Grants for Disabled Single Mothers

Disabled single mothers have a hard time paying for changes to their homes or for special equipment. These changes help them live independently. Housing grants are available to help disabled single mothers pay for these changes so they can have safe and accessible housing.

Family Unification Program

The Family Unification Program is a program to help families who don’t have enough housing or are separated. It is put together by two government agencies called HUD and HHS.

Learn more about the Family Unification Program.

Bridge of Hope Housing Assistance

Bridge of Hope Housing Assistance is a program that helps single mothers and their children who are homeless or in danger of becoming homeless. This is a non-profit organization run by people who believe in faith. It works in many places across the United States.

Learn more about Bridge of Hope.

Home Repair Grants for Single Mothers

Fixing your home does not have to be scary or too expensive. There are grants for home repairs that can help you with plumbing, roofing, furnace repairs and electrical projects. These grants can make it easier for you to fix these problems so you don’t need to worry about money.

Habitat for Humanity

Habitat for Humanity is a charity group that helps people who need homes. They work to build houses and give people affordable places to live so they can feel safe. This helps families and makes communities stronger.

Learn more about Habitat for Humanity

Salvation Family Emergency Services

Family services have a program to help people who are having a hard time. They can get help with rent, paying bills, and getting food. This helps people stay in their homes while they get back on their feet.

Learn more about Salvation Family Emergency Services

Housing Grants for Single Mothers In College

Going to school, working and raising kids can be hard. Housing grants can help single moms with college costs like rent and bills. This helps them focus on their studies.

American Association of University Women Awards

AAUW gives awards to recognize women. They give awards to people who have been part of AAUW, important female leaders, and projects that help make life fair for everyone. This celebrates how far women have come in their lives.

Learn more about the American Association of University Women Awards.

Jeannette Rankin Women’s Scholarship Fund

The Jeannette Rankin Foundation wants to help people make a difference in the world. They offer special grants for women and nonbinary people aged 35 or older who need money. The foundation is named after Jeannette Rankin, the first woman elected into Congress. They give out money to help people have access to education so they can change the world.

Learn more about Jeannette Rankin Women’s Scholarship Fund

Philanthropic Educational Organization

The P.E.O. Sisterhood is a very big organization with 230,000 members in many countries around the world. They are based in America and help women everywhere have access to education. They give money to women who need it so they can go to school.

Learn more about the Philanthropic Educational Organization.

The Pros and Cons of Housing Grants for Single Moms

Housing grants for single moms can be helpful. They can help pay rent, bills, and other costs. But make sure you look at all the rules before you apply. That way you know if it will work for you or not.

Pros of housing grants for single mothers:

  • Can provide much-needed financial assistance
  • Take out the burden of rent or utility payments
  • Flexible guidelines for recipients to meet their own unique needs
  • Funds are provided on a one-time basis

Cons of housing grants for single mothers:

  • May have strict eligibility requirements that are difficult to meet
  • Funds may not be enough to cover all costs associated with housing expenses
  • Timing restrictions on when funds can be accessed or used
  • Nonprofit organizations may have limited resources for helping single mothers

Alternative Way to Get Housing Assistance Without Grants

At AngeLink, we offer a series of life-changing $1,000 Angel Grants to help people in need. We are committed to solving humanity’s biggest challenges through crowdfunding.

Have you considered launching a fundraiser to get housing assistance? AngeLink has the perfect platform to raise money for any cause. There are so many unique fundraising ideas to help you raise the funds you need.

Our app is available for iOS and Android. We make it easy to share your fundraiser on all your social media platforms. Even better, we offer free badges that your donors can share on social media to spread the word about your fundraiser.

For more help read School Grants for Single Moms: A-Z To Financial Aid Programs.