Single mothers often find it difficult to make ends meet. In addition to paying for housing and utilities, they often have to pay for all their children's needs with little or no support from the child's father. Even if the father pays court-ordered child support, it often is not enough to cover all the child's needs. As a result, many single mothers face possible homelessness because of difficulty paying housing costs. Fortunately, there are many government grant programs to help single mothers afford housing for themselves and their children.
Housing Choice Vouchers
Housing Choice Vouchers is a federal program allowing single mothers and other low-income families to afford housing. Under this program, local public housing assistance organisations pay a subsidy to the landlord each month and the single mother must pay any difference between the subsidy and the rent amount. Housing accommodations must meet or exceed program standards to qualify for this program.
Single mothers who are interested in this program may apply at their local public housing agency (PHA). The PHA examines income, family size and circumstances to determine eligibility. If a single mother is eligible for the program, her name is placed on a waiting list and the PHA contacts her when housing is available. She may have to wait several months to receive assistance under this grant program.
U.S. Department of Housing and Urban Development
451 7th Street S.W., Washington, DC 20410
Habitat for Humanity
Habitat for Humanity is a program offering single moms the opportunity to help build themselves an affordable house. Qualified single parents are partnered with volunteers to build a house. Materials are supplied by a grant from Habitat for Humanity. Once the house is completed, the single parent pays a low-cost mortgage each month. The cost of the mortgage is based on the homeowner's ability to pay. Although Habitat for Humanity is a Christian-based program, it is open to single mothers of any race or religion.
To apply for the Habitat for Humanity program, single mothers should contact Habitat for Humanity. Habitat for Humanity provides information to the single mother on availability and cost of homes in her area. If she is interested in the grant program, she can then formally apply. Habitat for Humanity grants are need-based and require proof of income.
Habitat for Humanity International
270 Peachtree Street NW
Atlanta, GA 30303 USA
U.S. Department of Agriculture Rental Assistance Program
The U.S. Department of Agriculture offers rental assistance to single mothers and other low-income families in rural areas who have difficulty paying their monthly rent. This program works similarly to the Housing Choice Voucher program. The Housing and Family Community Program pays a subsidy each month to the landlord and the single mother pays the difference between the subsidy and her rent. To qualify for this program, a single mother must make less than 50 per cent of the median income for the area in which she lives and rent must be more than 30 per cent of her income. This grant lasts for five years at a time and may be renewed if needed.
To apply for this grant, interested single mothers should contact their local Rural Development Office.
Centralized Servicing Center
P.O. Box 66889
St. Louis, MO 63166