Housing Aid for Single Moms

Housing Aid for Single MomsHousing is the most vital necessity besides food to many households and yet many single mothers struggle with their housing payments every month. Single mothers in unfortunate circumstances may not be aware that there is aid available for them through many avenues. Many people believe that single mothers should have enough child support to live on their own but the fact is that many single mothers cannot collect on child support even when it is court-mandated. The costs of raising a child can be staggeringly high and even dual-income couples often have financial problems due to their children.

Government Welfare Programs

Most government welfare programs are extremely easy for a single mother to get into. The single mother needs to make below a certain amount and needs to have assets below a certain amount. Assets are anything that the single mother owns to include checking and savings accounts and a vehicle but many welfare programs will not consider a vehicle an asset if it is necessary for work. Welfare housing is usually a specific type of housing because the landlords need to agree to accept welfare recipients. However, this does not mean that the housing is unsafe. Many government welfare programs have lengthy waiting lists so it is in a single mother’s best interest to apply as soon as possible. While they apply for housing benefits they can also apply for food benefits and other care.

Community Welfare Programs

Many single mothers may be surprised to find out that there are community welfare programs in their area that will be able to help them, especially during a short-term financial crisis. Single mothers who suddenly find themselves unable to pay their housing costs can often look towards their church, temple or other non-denominational and supportive community organization for financial aid. While sometimes this aid is temporary there are many community organizations that maintain continual programs for the aid of the elderly and those with children. Single mothers have the best chances with a community organization that either they already have a relationship with or that they know someone within but many are open to anyone who can prove need.

Single Parent Mortgage Loans

Mothers who wish to raise their children in their home may encounter certain difficulties when applying for a mortgage. Mortgage loans are based around the income of the household and are usually centered on dual-income earners. This means that single parent households will often need to settle on a home that is less than half the cost of the ordinary homes in the market. Single mothers can consider apartments or they can consider going into a loan with their parents. It is inadvisable to go into a housing loan with anyone besides family because it can lead to extremely difficult complicates later on. While it is possible to get a home loan as a single mother many single mothers may find it easier to save up a larger down payment over time so that they can afford the house they and their family truly desire.

 Written by Brentt Taylor

Brentt Taylor writes for MortgageLoan.com, a comprehensive online guide that provides premier online publication for consumer-focused news and information, financial news, consumer education materials, and personal finance tools.

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  1. says

    I am a 23 year old mother of 1, my daughter is 4. I live in Columbus Ohio, and we are being kicked out of our apartment due to a break up! I have no where to live or take my daughter! I need a place to live asap! I don’t work as my fiance supported us. So i am in a very rough situation! Need help please

  2. Lisa says

    I am 41 years old. I became homeless in Mississippi due from a tree falling on my house. I’m a single mom with 5 kids. Three kids are out of school. I have 2 younger kids with me. I’m now in Arizona with my sister. Im trying to find a low income place for me and my 2 kids. I receive about $780.00 per month for my daughter from Social Security. I have been diagnosed with scoliosis of the spine. I myself do not receive disability for myself . Any help will be very appreciated.

  3. Sarah Moynihan says

    I am a recently single mom of two kids, a 7 year old and a 4 year old. We just returned to Colorado as of the 3rd of this month.

    We currently reside in the living room of my mom’s one bedroom apartment. I can’t find a job right now because my mom works and refuses to watch the kids, I don’t have a car, and we need to find our own place to live.

    I am wondering if anyone can help guide me in a good direction to try and get my feet semi planted in a good place. Any help would be wonderful.

    • Jane says

      Dear Sarah

      The State of Colorado offers different programs created to assist single moms and low-income families. These programs include assistance with childcare, health care, housing, education and food. Assistance programs, such as LIHEAP (Low-Income Home Energy Assistance Program) are also available to help families who struggle with paying their utility bills. Applicants to all these programs are approved based on a number of factors, including family size, income, and the area in which they live.
      A good start would be The Colorado Peak website (https://peak.state.co.us/selfservice) to determine eligibility for public assistance for single moms living in Colorado. Colorado Peak is a web-based portal, managed by the State of Colorado, which enables Colorado single moms to access most state assistance programs in one place. Single moms should enter their information by answering questions asked on the website, and then they receive an estimation of their eligibility for food, medical, or cash assistance. Colorado Peak also allows individuals to apply online for benefits, check benefits online, or report changes their benefits.
      Please find more information at:

      Child Care – State of Colorado
      Assistance With Housing – State of Colorado
      Food Assistance Program – State of Colorado

      I hope all these will help you find the resources you need!


  4. Jelisa says

    Hey my name is jelisa, I’m 21 years and live in Illinois. I do have a job and a car, but have nowhere to stay, my mom is threatening to put me and my 2 year old daughter out on the streets, because she says it time for her to enjoy her life with her boyfriend. I don’t know what to do. I can’t afford a place, and rent is so high. I don’t want to live on the street with my baby girl. Please if someone can help me anyone. I’m a working girl. I try my hardest to be the best mother for my little girl. Smiling on the outside but broken in the inside. Please I’m so scared. I will give the effort.

  5. says

    I’m a 36 year old single mother in the Kennesaw, Ga area of 3 amazing children that I’ve raised on my own since I divorced 8 years ago… They are noticing our life dramatically changing before our eyes… Never in my life would I imagine that there would be a time I’d be in this situation…Jobless-laid off from my job of 15 years …Homeless-Lost my house of 5 years cause I didn’t have the income to pay rent and being staying with a friend that is moving to SC June 20 to care for her mother… Car problems at the worst time ever…I do not have family that’s financially able to help…So with all that said I’m looking for someone to guide me in the right direction to find assistance cause all I’m getting is a run-around when I call places…Or someone to help with sercurity deposit and the first 2 months rent somewhere that’s not over $750 a month… So really the jump start of getting back on my feet is what I’m looking for…Thank you for taking the time to read my story and wants to help or know where I can get assistance please email me at ladybugzlegz1@gmail.com

    • Jane says

      Hello Tiffany,

      We are so sorry to hear of the difficult times that you and your children are going through. We looked up resources in your area and here is what we found:
      Rent Assistance Programs
      – 10 Women of Hope, a 501c3 organization, is a diverse group of women who dedicate their time to helping single moms get through tough financial times. More info here.
      Parenting Support Groups
      State of Georgia with programs such as Supplemental Nutrition Assistance Program (SNAP), Low Income Home Energy Assistance Program (LIHEAP), and more
      Catholic Charities serve all faiths. Find here the list of services available.

      We hope that you will find the programs to support you at this time.

      Jane, SingleMom.com

  6. dajah says

    I’m 20 yrs old with a 1yr old son and one on the way. I have a job that works me once a week for only 3 hrs.making minimum wage. my babys father does not conversate with me. my mom wants me out because her boyfriend hates that my baby crys . I am unable to find another job because I have no transportation I’m truly on edge please help

    • Jill Eriksson says

      My dearest Dajah,

      My husband and I have no organization but we give every year some money and support (buying groceries, giving clothes, and help with paying for childcare). Why don’t you email me and we can get together? We would love to help you and your kids. You are not alone and there is help. Email me pls!

      Many thanks,


  7. lafaydra little says

    I’m a single mother of two little boys and I Cain find a job I’m currently living in a unstable home I just wish I had some help getting on my own and making a living for me and my kids I’m 23 years old It would really be a blessing if you all could help thanks

  8. Tracy Garrick says

    I feel so defeated and hopeless. I live in Daphne, AL and I have been looking, calling and networking (with people) to find a home for me and my two children
    11yrs and 3yrs old. I’m in utter shock, frustrated and heart broken by the lack of housing help for struggling single mothers.
    I’m not asking for the government to take care of me or my children and I’m not just looking for a hand out. But if the government/state whom ever thinks that a mother of two working 40 hours a week making$8 an hour busting my behind is enough to pay rent, Utilites, daycare Ect is an idiot. It’s an insult to pay a 32 yr old woman w/ a high school diaplomia and 2 yrs of college and yrs of expierence in the medical and administrative field the same they pay a 16 yr old kid still in high school. It’s degrading and down right uncalled for that the government expects people to live and thrive on $8 an hour. I’ve exhausted every possible resource. I either don’t make enough or I make to much. REALLY!!!!!
    I’ve been crying for two days wondering what me and my precious babies are going to do in the next 3wks when we are put on the streets. I would be forever grateful for any info or resource that I may have looked over. Pls pls pls any help would be so much appreciated. Thanks A Lot, lost, scared and at a dead end

  9. Antionette m lopez says

    my name is antionette I really need help with hoseing my little girl is with cyfd till i find a place

  10. sanmetric says

    i am a 35 year old single mother of a 4 month old baby girl…since i lost my mom and dad things have been really hard…i stay in atlanta,ga in a apartment with like twenty other people with kids and its a two bedroom…..i have been trying to find my own place but its hard..me and my baby sleep on the floor near the doorwayi really need help my baby always catching colds and she sleeps in a bouncer next to my palet i make can someone please help

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