Housing Grants – How to Apply for Housing Help?

Is there any help for mom for housing? If you spend much time online you will see ads for these, but like all grant opportunities, you are best off by doing thorough research before you jump on the bandwagon for housing help.

What are my options for Housing Help?

Housing Choice Voucher Program

While it is not technically a program of housing grants for single mothers, the Housing Choice Voucher Program offered by the Department of Housing and Urban Development (HUD) can be the answer to many single moms’ housing concerns. This program assists low-income families in finding safe and sanitary housing. Many single moms qualify simply because of their income constraints.

Under the Housing Choice Voucher Program, applicants receive a voucher they can use to find housing. They may use the voucher for any type of rental unit, as long as it meets minimum standards for health and safety. The Public Housing Agency will pay the voucher amount directly to the landlord. You may end up with a portion of the costs as well, depending on how much your rental costs. There are also instances where families can use their vouchers to purchase a small home, rather than rent, but this must be authorized by the PHA. Eligibility is based on income and family size.

Home Grants for Single Mothers

USDA Home Grant Program

If you are looking for housing grants for single mothers for home repairs rather than a purchase, and you live in a rural area rather than an urban one, you may be able to get help from the USDA. They offer grants for single mothers and other low-income individuals to use to rehabilitate and repair their housing. The grant portion of this program is only available to those aged 62 and older, but the loan is quite affordable, repayable over 20 years at just 1 percent interest. The Rural Repair and Rehabilitative Loan and Grant (http://www.rurdev.usda.gov/) is available in amounts of up to $20,000 for loans and $7,500 for grants.

Government Housing Assistance Single Mothers

Looking for Government Housing Assistance Single Mothers? It’s not as difficult as you think.

USDA Direct Housing Loans

This is a type of section 502 loans that is basically used to find housing help in rural areas. It is available to low income individuals to help them:

  • Build a new house
  • House repairs
  • Renovate a home
  • Relocate a home

Many single mothers fit the criteria of receiving such a loan. The prime eligibility factor is that the applicant must qualify as low or very low income (AMI).

According to area median income (AMI):

  • Below 50% of AMI is very low income
  • 50 – 80% of AMI is low income
  • 80 to 100% is moderate income

The loans are available for up to 33 years and there are some additional regulations that the house must fall under in order to be eligible for such a loan. You can find out more information from the USDA website or apply here: http://forms.sc.egov.usda.gov/efcommon/eFileServices/eForms/RD410-4.PDF

Reforms and Loans for Housing Assistance

Guaranteed Housing Loans

This is another loan type, with a different set of terms and requirements. In this type of loan, participants can have a higher income status (up to 115% of the AMI). You have to be able to afford mortgage payments, but it is okay if you are without adequate housing. You also need to have a reasonable credit history. This is another one to look into you fit the eligibility requirements better. Find out more.

Mortgage Reforms to Help Borrowers

There are new mortgage reforms that are being put into place to help protect borrowers. This is because many lenders were unable to have borrowers pay all their money back. A new rule includes a 3% cap on origination fees for mortgages of $100,000 or more. This will help borrowers pay back what they have loaned. It will also protect people so that there isn’t a debt to income ratio greater than 43%. If you feel you are qualified, go and talk to your loan provider and ask them about a reevaluation and ask them about new mortgage policies.

 Housing for Single Mothers with No Income

Family Unification Program

Sometimes, lack of adequate housing can cause you to be separated from your children, or to face the imminent placement of your children into foster care. This is a heartbreaking situation, and it can be helped if you qualify for the Family Unification Program (http://portal.hud.gov/hudportal/). This, again, is not necessarily a type of home grant for single mothers, but it serves the same purpose.

Offered through HUD, the Family Unification Voucher allows distressed parents to lease or purchase safe housing through the private housing market. The vouchers are available based on income need and only if the public child welfare agency has determined that the housing is the only thing preventing the child from returning to the home. The vouchers will pay any housing costs above 30 percent of the family’s income. The 30 percent is the amount HUD expects the family to contribute for housing.

Use housing grants for single mothers to your advantage. They can really lower the costs needed for housing and such. Take some time to research them and to find some housing help for single mothers.


About Author

Mary Brown

Kids are the center of her universe, but still Mary finds time to pursue her hobbies which include crocheting, sewing and gardening. She loves to socialize and dreams of traveling the world. Her work-from-home job not just gives her the sense of accomplishment, but also ample amount of time which she prefers to spend with her children. As a mom and lady of the house, Mary knows the challenges a woman face while shouldering both these responsibilities competently. Through her writings, she intends to inspire women to live a more fulfilling life where apart from being a mother and wife, they have a unique identity of their own.

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  1. Hi i live in Augusta ga and iam in desperate need of a place to stay just pleased help guide me on what to do ….thanks

  2. Augusta Dillon on

    Im a mother of 4 ive had my share of ups an downs an now that im out of a job an serching for a home no income to lean on olny goverment assisit an im looking to improve my life as well as my kids im 42 now an im just tired of makeing the wroung decisions all my life if i was to tell my story it would take a minute but i have learned to trust in God

  3. I need to relocate to Cincinnati Ohio to be near my mother and leave an abusive relationship. We just lost my 27 year old brother and I want to be there to support my mom because she is devistated. i however have 4 girls and no job and need to get help ASAP I do recieve assistance in Georgia but desparately want to move to Cincinnati to be with my mom. Unfortuantely her place is way to small for all of us to fit. I would appreciate any help you can give. I am using her email because I do not have a computer.

  4. Hello, my name is Melissa. I have one daughter, she is six years old and disabled. I am currently driving her four hours everyday so she can get the education she deserves (two hours to her school, two hours back). I am really needing a home closer to the school, but everything that is for rent is much more money than what i have. I was wondering if there were any grants for single mothers with disabled children relocating for the childs benefit? or something along those lines. I am really struggling looking these things up because i dont know what a lot of these things mean.

  5. I’m a single mom. Im in need of a place for me and my 2yr old son. Im curious as to how to apply for some of these grants to get help with a place for me and my son

  6. Hi I am currently separated from my husband ready for divorce, pregnant and due tomorrow plus have a three year old and we are homeless. due to certain circumstances I can not go to a shelter. anyone know of a program that will give me emergency housing help
    I just need a stable home for my babies so i can have baby and find work near where i would live. really desperate

  7. Hi, Im a single mother of one , I have steady and very good income but because of bad choices when I was younger I messed my credit up. I wondering if you know of any grants that could help me with purchasing a home.

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