Life as a single mother can be difficult, especially when you are considering your first home purchase. You know you need more room and a permanent place for your children to come home to – but you also know your bank account is looking a little thin. How do you make that dream of a home come true? The first-time home buy programs can help.
FHA Loans. The Federal Housing Association has programs set up for those who need help buying their first home. The FHA First Time Home Buyers Program does not require a certain credit score, nor do they require a rental or housing history for the application. Only a 3.5 percent down payment is required, and you can even have someone co-sign the loan with you, even if they are not living on the property. Best of all, your payments are low and guaranteed to stay the same every month. Visit http://www.hud.gov to learn more.
Ameridream. Don’t think you can afford that down payment? Ameridream can help you with that. Ameridream is a charitable organization that allows low income families to purchase a home by helping them with the down payment. They are also currently creating communities of affordable but classy housing, which might be an option if you live in one of Ameridream’s construction areas. Visit http://www.ameridream.org for more information.
Fannie Mae. If you have a good credit score and money for a down payment, Fannie Mae offers a large number of foreclosed homes for sale. You can get a great steal on a home that might be well out of your price range if the circumstances were any different! Though it sometimes feels strange to cash in on someone else’s misfortune, keep in mind that as a single mother, you need to look for a bargain – the more money you have left over after the mortgage is paid, the more money you have to give your children the things they need. Foreclosed homes might make your dream come true. For more information, visit http://www.fanniemae.com.
Don’t Forget Your Tax Credit! If you are prepared to purchase a home right now, it’s a fantastic time to do so. The government recently passed a Tax Credit in the United States, one that allows for up to $8000 dollars per household. That’s a huge benefit! The tax credit is for first-time home buyers only, and you will receive up to 10% of the purchase price of the house, with a maximum of $8000 dollars in credit. It’s an unprecedented financial incentive, so if you can take advantage of it, now is the time!
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{ 33 comments… read them below or add one }
I am a single mother of 8 kids in Az,I have applied for subsidise housing ,Section 8,low income and still no help.I receive no Childsupport.When I need help its hard to get please help….
You are entitled to child support, without question – take the father to court and ensure that he is doing his part. Here is a whole bunch of links to programs that may be able to help you. As for the programs you have already applied for, check up on it constantly, and don’t take no for an answer. Also be sure to be extremely explicit in your situation, and add in anything that you think would help demonstrate your need more – the more your need, the further up the list you are bumped.
Unfortunately, for some mothers, like myself, going after the father for child support is not an option. My exhusband left me when I was 4 months pregnant. He made threats that if I ever did anything TO him (vague) that he would take whatever children we had and leave the country. He was threatening and vindictive when he perceived things were ‘unfair’.
But I cannot prove such threats to anyone. You can’t get help from the State because they require you go after child support. The only time they allow you to forgo child support is by taking the father to court and proving that he is an abusive threat. I cannot do that, but I’m supposed to put my son’s life at risk for money?
I’ve been homeless, and if it weren’t for my brother, I’d be homeless right now.
I found this site because I have no car. I cannot get to a job because I have NO CAR. I cannot save up money for a car because I have no job. And so the circle goes. I want to go to school also but…Again, no car, no job, no money. So, when people say to pull yourself up by your own bootstraps…what exactly do they mean by that? ‘Cause… I can’t afford boots either. :-/
Hello,
Being a single mom you can receive grants to help you furthermore, you can also receive cars for a very reasonable price.
Hope this helps!
apply at Chrysler in Belvidere IL. They were hiring. they also have affordable homes in Rockford IL. the city will even give you money for a down payment if you have a job.
go to indeed.com for job information in your area. I also am a single mom with no child support although I only have 3 kids, 8 would really be a struggle. My children’s father never paid me any child support. Maybe see if any of your children are disabled then then you can get on social security disabilty. My ex husband was on it.
can anyone who has experience with getting grants please tell me where to apply for one? i am 23 years old, work part time, and have two kids to support. I even have to partially support my own mother who cannot help me financially and i have no other family to help. i am trying so hard to get out of this situation that seems to be endless at times. Please if any one can tell me where they went to get a grant, i would really appreciate it.
Here are a few links that provides information on programs, organizations, and government organizations that help single mothers, in your situation.
http://www.singlemomfinancialhelp.com/financial-assistance-for-single-mothers/
http://www.singlemomfinancialhelp.com/assistance/state/
I hope this will help you. Keep your head up. Best of luck.
Single Mom Support Team
I was a stay at home and now became a SINGLE Mom. No job…No car…No childcare..No money…no place to live…I have contacted DSS and dad has been supporting our son. However this seems like the impossible task of figuring out where to begin???? I have been applying for jobs…cant get a place to live without one..HELP!
I am a single mom who who has One son. I work Two jobs just to support us. My son will be going to college soon but I want to get him out of the city. I’m looking to buy a home in Orange County, NY or Westchester, NY. My credit is ok but will be better by the end of the year. What type of help can I get?
i am a 23 yr old single mother of three i live in san antonio i work two jobs and i still can not find affordable housing and the sec 8 is closed can someone tell me where else i can look
Have you looked into state assistance? The can help you better and point you places that can provide specific help for you.
I am a single mother of 2 little ones my daughter is 7 and has alot of diffculites with reading and speech then my son for he is 4 years old he was just diganoised with ADHD and he does not speak and he is going thru speech therapy three days a week he also sees a Psychologists three times a week for his ADHD I have been thrown off buses and trains because of his disability along with all this I have to walk too all my appointments with my children I have no time to get back to work or even get a car to help me get around I live in New York does anyone know of any sites I could go to where I could get help with getting a vehicle to help me get around with my children and hopefully be able to get a full time job
I may not be able to help you with your financial situation but did you know that if your children have speech problems, they may be able to receive social security/disability payments. I know of someone whose child received ss/disability payments for a speech problem. Speak with your local ss office and if they can not help you speak with a ss/disabilty attorney. It may not be a complete solution but it may be the help you need to get you over the hump for now.
Hello new to the site looking for help!!!single mom wit 5kids no help but to lose the help that I do have section8 cause iv been out of work for the last 2ys and unemp. Has run out !I can’t get state Assistance cause of the 5yr limit! An it seem tha my child support case. Has been sitting. At the prosecuting attorney office since 08/2010 nmy son is now 20 n still allthis time his linces has never been susp. Still no help!!! Wat do I do. How can I fine the right person to help!!!! In need! Cause I’m running out of opt.
I am a single mother of 3 and I am on disabilty and I also work part-time to try to provide for my family. I am desperately trying to find someplace to get a first time buyer home loan with horrible credit. Is there anywhere out there that I can get help with getting a loan so that I can provide my children with a stable home?
Hello,
you can receive housing grants for single moms
or you can receive regular Grants for single moms
to assist you with your needs.
I’m looking for anyone who can help me out. I’m a single mother of 4 children who just moved to maryland due to losing housing in pennsylvania. I’m staying with a friend while looking for a job down here. I can’t get child support bc their dad is serving 17 years is prision. I’ve fille out numerous applications with no luck. I’m a hard worker and willing to do anything
Cassie good luck I am in the same situation as far as the father goes he is serving a 30 year sentence for something that he didn’t do. I am going to become homeless in December because I cant afford the rent and no one is willing to help me. DHS lied to me about my cash benefits so I dont know what i am going to do.
Im a single mom i been looking for a job and no luck i also need a place but if i dont got a stable job i cant get a place with out a job is there any pograms that would pay u rent for u for at lease a year or two?
Try the HIP, Housing Initiative Program, surely they have some information to help you in your situation.
I am a single mother of just one. Recently divorced and I started out filling out 200+ applications for jobs and only got 4 job interviews and only 1 hired me on the spot. I’ve been with that job since May 2011 and went from $400 a week to barely making $100 a week because of little need for caregivers. I now have 2 jobs and between the two, I am still only making $150 a week. I also go to school online part-time. I am running out of options, none of my family members are able to help me and I do not qualify for TANF because I work. I am already on food stamps, if my rent could get paid, that would save me $849 a month out of my pocket that I could put towards my other bills. I’m barely making it and hoping something helps because a third job won’t allow me time with my child, which is very important to me and her. Please give me any advise you can PLEASE!
Hello,
You do a couple things you can do.
You can look into receiving Grants for single mothers and College Grants for Single mothers. You can also contact DHS which is the Department of human services and TANF who help provide Temporary Assistance for Needy Families.
Hope this helps.
Good Luck!
im really strugling to find out where im going to be living with my son in the next month i have a 2 year old son an me an my son live with my mom an we dont get along at all i live in Prince Georges County an i work part-time so if there is any housing assistance or places i can look up that will help me alot
You can look more into your state for aid in helping you meet your needs.
I am a single mom looking to one day soon to be a homebuyer,trying to save and keep the bills paid, rent etc, seems like a lifetime, i am looking to get help as a first time homebuyer,i am willing and ready to take this responsibility,my question is what specific grants are out there to apply for without being overwhelmed about,
Im a mother of 3 my husband was deported back jamaica im amarican and im 5 months pregnant its hard for me to get help so sold my truck to pay my rent and utilities and I got scammed in the process so i took out a title loan just to pay rent and I cant pay it back so im going to get repoed and I cant pay for my rent so now im going to lose my place please someone help me please I need help
April,
you can receive Grants for Single Mothers to help pay the loan.
As for your car, you can receive reasonable priced cars for being a single mom.
Worst comes to worst, you can contact - HIP which is the Housing Initiative Program that will help provide homes.
Hope this helps.
i need a house for my poor family.please help me to do this as there’s no other choice for us to survive.
waiting for your answer.
regards
You Can try The HIP Program (Housing Initiative program) and they can offer more help in this regard.
Hi I’m a single mother of 3 I’m looking for a car and a new place to start life. My youngest is only 2 months so having a car and home is important. Thank you very much.
Hello,
Being a single mother you can receive a car at a very reasonable and affordable price.
You can contact HIP which the housing initiative program who help provide homes, or you can receive a housing grant for single mothers.
Hope this helps!
I’m a newly single mother of two small children, 3 years and 5 months. My husband was killed in a car accident about 3 months ago. I don’t make a ton of money but am not struggling either. My credit is not great but am in the process of getting things paid off/taking settlements. I ran my credit score the other day and it’s about a 550. Would I qualify for any type of first time home buyer program? single mom program? I received social security for my children. Does that work in my benefit?
So sorry for your loss, But i commend your braveness and determination. I am not exactly sure about the regulations of a first time home buyer program, but surely there is some other alternative for you for home buying benefits because you are financially pretty well off. Good luck!