Housing 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
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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.
vanna paul says
i am a single mom with kids 3 i just lost my house due to non payment l been evicted with my kids because l cannot afford the payment please lam asking you to help me out with my kids and i am also pregnant carry my 4th kids
wakiah a Jones says
I am a single mother of 3 kids…i am homeless and am in need of housing for my children, i have paid for programs that resulted in no help. I am desperate and scared, i also have lupus which is exacerbated by stress. I need some assistance
brittney epperson says
need help with car job and home lost my job cause have no car people say they take me half time never show so lost my son needs a way to and from school he shouldnt have to worry bout how he going to get home every day while at school and i cant ever find anyone to give a ride or take me to look for another job so we are just stuck we stay where we with who we can but it been where buses dont run for school dont know what to do
Shannon 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
Emily says
I am a single mother of 2 boys one is 5 years old and other is 4 mts. I have no i come but my family has saved up money to put a down payment on a place. I am not working right now but am looking. I wanted to get into a hud home program but am having trouble. I have seen some hud houses that I was interested in and called a hud certified realtor who told me that I would have to have insurance in the home and mortgage all of which I don’t understand. This would help me so much if someone could find me a place with land between 20,000 and 40,000 i live in denham springs,La I don’t want to live in baton rouge due to the violence and bad schools thanks
Andrea Davidson says
I’m a disabled 42 year old mother with a 7 year old son living in Memphis TN. I’m awaiting my Disability case decision.I’m currently homeless and living place to place where I can .I have called different places in my area seeking shelter , but nobody can assist or accept me. The father of my son who has not been there all these years until now wants to take my son away from me because of my circumstances and that is something I cannot allow to happen . I would be willing to even relocate somewhere else if I can get some housing help for me and my son.
Thank you
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.
Jane says
Dear Lisa,
I am sorry to hear that you are now in such a difficult time of your life.
You might want to check the information we found for you, and hopefully it will help! Wishing you all the best!
http://www.singlemom.com/arizona-housing-assistance/
Jane
singlemom.com
Jazmin says
I’m a mother with a five year old who will be starting kindergarten this fall. My situation may be a little different than other women’s on here. My husband and I have been separated for the past 6 months due to financial hardships which really took a toll on our family. My son and I ended up in CA with family and my husband ended up in AR with his family. We’ve both been looking for work in the hopes that once we were settled and established we would be able to bring our family back to together again. Unfortunately, things haven’t worked out for us in CA, but our luck seemed to be changing.
I now have a job offer pending in AR about an hour from where my husband is currently living. It would be a great job with benefits, but I can’t won’t be able to accept it if I can’t get out there and get established. It’s not a matter of not being able to afford everything in the long run, it’s a matter of being able to pay to start out during the first month or two. I cannot afford to pay first month’s rent and a deposit, in addition to renting a car and paying for gas to get to and from work (until I can purchase one) and the cost of childcare. My husband’s family cannot house my son and I. I know no one else there.
If anyone knows of any resources, even if they are just short-term, that I can utilize so that my family and I can get back on our feet, I would really appreciate any advice/assistance.
God bless…
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!
Jane
singlemom.com
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.
Tiffany 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.
– Shelters
– 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.
Regards,
Jane, SingleMom.com
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,
Jill
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
Cece says
Where are you located?
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
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
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
heather says
Please help me move back to utah. I have three little girls moved to Texas with my boyfriend and things are going bad here and my kids are hating it here please please please my daughter is getting bullied and my other one need a school to help her with her disability and no one will help me.
Anna Marie Keller says
Hi my name is Anna Keller and I have 2 kids 2 1/2 and 6 1/2 months old. I am on disability for a few reasons but I am currently living with my mom and sister who just found out shes pregnant we are currently renting a 3 bedroom house and I am looking for a place for me and my 2 kids I want to stay in Winston Salem with my mom I do not want to go else where I will move .5-1.0 miles away but I need to stay near my mom as she is my transportation. It is gonna be hard living in a 3 bedroom house with 4 adults and 3 kids please I need help. My mom doesn’t want me to move out but if my sister decides to I will have to give up my room for her baby.
Betty says
If you and your 2 kids are sleeping in 1 room, then your sister should do the same with her new baby. Sounds like your sister is not very nice. Good luck to you.
Shannon J Budinger says
Please help me get out of the city and back near my family! Hi, I am a single mother of 3 kids, 10, 5, & 3. We are originally from Cecil County, Maryland. We are presently residing in Baltimore City in a treatment program. My time here is up on November 11, 2013!!! I am desperate to move my kids back to the country due to my 10-year-old daughter being bullied at school & our being miserable without our family near. I don’t know how I will be able to afford rent at this time. I am on a few waiting lists for low-income housing. Please help us to find a home of our ownuntil my name comes up on the list! I appreciate any assistance that can be given to us. Thank you for taking he time to read this. Please email me… Shanjoybud@gmail.com
Andrea says
Hello my name is Andrea I am 37 years old and have 4 children still at home ages 15,12,9,7, three girls and one boy(12). I went through a separation and had to move back in with my parents. My daughters and I share a room which is crammed and my son has his own room. I work and am doing my best to care for my children. I cannot rent due to my credit but I qualify for a rent to own/ lease option purchase, go figure. But I cannot get into a home because my legal husband will not give me my divorce, we have been separated for almost 13yrs. Please help me. I want to stay in Middleton,Idaho for the sake of my kids and their schooling. Please email me with information that I will qualify for. Thanks~ A desperate Mother
veepowers says
I’m 25 with a 3 year old, working in LA but can’t get an apartment because of my credit and rental history. I have worked so hard to get and keep this job and will have nowhere to go and have to quit. I just need help getting into a place. Room shares won’t take me with my son, and apartments won’t take me with my credit and history. I’m doing everything right and working hard but I am about to lose it all. If you know anyone who will work with me please contact me. I just need a safe place for my son and I.
Michele says
I am a single mother of two young children. my daughter is 7 and my son is 3. I went through an awful divorce and was left with nothing. I am not a greedy person and anything I get goes towards my kids. I’ve prayed so hard for some help and guidance but am still waiting for an answer or even a sign. I work full time to pay for my 2 bedroom apartment. I could desperately use some financial help from anyone who is able and willing to share. Thank you for your time and please email me if you would like some additional information.
Michele
michelexo7@gmail.com
Sequoi Watson says
Hello. I have a relative who is 25 years of age with three kids and she has no where to go. I am seeking out help and different programs that i think would be beneficial to her. I found this program very interesting please email me back with any details that you can give or have. Thanks in advance
patricia saint jean says
i have one kids and i have no where to go no job nothing and i’m two month pragnant the only income i have now it only 710 monthly i recieve that payment for my daugther it not enouch for me to even rent a effiencie please help me out for mor information i can be reach at (786)-510-5498
toya bennett says
Have 2 kids nd I have no wea to go no job no nothin nd I really need help out so can u plz get bck at me wit more information
Michele says
I am a single mother of a 1 year old child who I’ve been caring and providing for since birth all by myself. I am a victim of domestic abuse and in fear of my own child’s safety. We can’t catch a break. We have nowhere to live. Times are getting harder and the weather is getting cold. Someone please help me provide a better living for my daughter. She is all I have. I do not want her to see the things she has been exposed to any longer. We are in kc, mo. Please.
Maria says
My name is Maria and I’m a single mom of a lil boy I was living with my family but my uncle tha was staying at tha ap he was so violent and scary and I was scared fore my and my kid life so I left to massachuttes cause I herd they help single parents to get a place,I was living in a shelter 1yr in a half struggling with my son depress everitime hoping someday they would help me get a place and 4weeks ago they close the place down living parents and kids on street.and I had no choice but to come back to the same place tha I was b4 now tha my son is big I don’t want him to see and grow up violent,I’m so desperate don’t know what to do any more please someone help.im just tring to give my son a home tha he would feel comfterble and with out worries plz help.
Larry says
if you can get to Little Rock, Arkansas
i can offer free room and board and help with a job
Sabrina craig says
Hi am a single mother of 2 of the most amazing children ever . Savannah 8 and Dakota 7. We are currently living in a motel like place which has a very bad reputation with police drugs and crime. I am currently unemployed but constantly seeking employment. I am in a desperate need of help and can’t get any . I am in Calhoun GA. Please someone help me find financial help so that my children don’t have to be around this place please someone help me
RaeAnne says
Call 602-372-7605. Good luck friend!
Ashley Felsot says
I am a single mother of 2 wonderful kids. My son is 6 and my daughter is 4. I was recently kicked out on the streets, my mom took us in but gives me till October 1st to move out. I am trying to save as much as I can but work is very slow. Been putting my resume in lots of places. I need to find help getting into a place in the cottonwood, AZ area but everywhere I look, no one can help. Please someone find it in your heart to help us out, we really need it. I need somewhere safe and secure cuz I have an abusive ex and cant let my kids see or hear that anymore. Please help!
Kim says
I have a house in east greenbush ny and am a single mom of a 6 year old girl. We are currently looking to find another single mom with a daughter around the same age to be housemates with. Please send me a note if anyone is interested in talking. Kim.panting@ yahoo.com
Thanks
Monette Mabry says
I have a 23 year old daughter She is pregnant with her first baby I Have a 14 year old which is he little brother. She cant stay with me because due to her living with me in the past it would not be healthy for.any of us I.dont want to see my only daughter on the streets I have to work but I am going to be there for my grandbaby do u have resources right away
perla says
Am with them.is so hard for single moms like us to get help i have been waiting to at least get on the waiting list of housing since 2009 and have been living with family and friends since 2008 whene i got divorce and now again am about to be homless for the million time am so frustrated i live in dallas and seems like you have to be a Katrina evacuate to get some help .. Pls i need some help i dnt know what else to do i have two kids and yes i do work but i have to work only at a place were i dnt have to pay bb sitter because they are expense .. Am gone be homless on september just when school starts .. This is so hard
Katie says
single mom of 9 year old twin girls, lost my job, dad is not around, yes I called child support enforcement…and state, I am on snap and husky…unemployment just went down 19.2% im dying!!! help
Stephanie Kos says
I’m a single mother i recently lost my job due to car trouble.I lost my home and am near homeless,right now i am staying where ever i can,mostly in a small camper not liveable for a child.i need help and no one will help me!i don’t know what to do or where to go.Please if someone has any suggestions ,please let me know.I want my daughter home.my car is broke down,i’m suppose to start cosmetology school next month.i don’t want to miss this oppertunity to go back to school either.i’m just really down on my luck.i’ve never received child support(HELP)
brianna says
Important a single mom of three im in need i need to get my in place so i can get my two youngest kids back i only have a year
Lydia says
I am a single mom of 5 with teo teens that have to live in michigan because i cannot support all of us and struggling just as most of these single moms here… I don’t have a paycheck job and minimal hours now trying to clean houses just to make money for food,gas and whatever bills I can pay I have an 18 yr old who is trying to help me but he needs to go prepare for his life and go to college he wants to become a pastor… If anyone wants to move in together maybe we can figure a plan to work together and help each other out.. I am looking for a place local to my kids school in Englewood… I love the area and the kids love their school and new friends its beautiful here… I would love to move in with another single mom and we can work together to help each other out please contact me at lydiamcfadzen@yahoo.com thank you
Mother of Children that Deserve Better
GIGI JONES says
Hi. I am a single mother with 2 children. I’m having a hard time finding a place 2 live. I lost my house last year because my job cut down mt hours so i wasnt able 2 pay my rent. Now i have a great job making more money. I am currently living here and there. But now its getting crowded and unbearable. If you could please help us out it wouod be greatly appreciated. Thank you so much.
Cynthia R says
Wow!! So many of us single moms in need, thats sad. For me this is my first time in this situation homeless, with no job, no money, an old car that waste to much gas, 2 young kids and my 6 months baby boy…I have a bachelor degree and Im looking for a job, but when you are homeless and in need of so many stuff that is so hard to get the help the we need. All I need is a little push to get on my 2feet again, its sad to see my kids suffering and not be able to do something to help them.
hind says
my name is hind. now I m single mom with 22 months old daughter; my husband is left with his girlfriend ; I didn’t pay rent for April May and June even I m working I can’t pay the rent because I pay daycare like 400 dollars a month .the landlord want to his apartment and he says I need my apartment next week . l need someone to help me to find another permanent apartment ;I was apply 2 times for housing because I have a court order no eviction ; please I need really your help because I don’t have any place to going on with my daughter than I need information about this program.
Rosalva says
Hi my name is rosalva i got kicked out from my bfs apartment im a single mom of three babies their 4yr,2yrs, and1yr i dont have a job so would really appreciated if you guys could help me out with this program thank you
Rose Fildor says
My name is Rose. I’m a single mom with a 2 years old daughter and an 11 years old boy. I’m unemployed now. I got kicked out of where I live now. I won’t have a place to stay very very soon with my children. I need assistance in getting on my own two feet. I need a job and a place to stay. Please I need information about this program.
Alexis Hawkins says
Hello, I am a 28 yr old mother of two 4yr old boys in cosmetology school looking for employment and need a place to stay fast. I really need assistance in finding a nice home for my children and I that I can afford at this time
michelle says
hi.
my issue is that I have to move and have some money but nowhere to go because no one will take in a single mom. I am now back in school full-time to earn my degree, graduate may 2014. was a stay-at-home mom/wife until son passed away at two years of age of a rare genetic disease, husband left, filed for divorce and now i’m on my own with a three and one year old. our apt. unit is sold now and I have one month to find a place. I have been working fervently to find a place but have been denied because I do not have a steady income. I am so sad. I can’t function and be a good mom when I have no idea where we are going to live. most of the time I take it out on my children because I have no one else to talk to. thus, i’m writing it here. agh. i’m sorry.
Tania says
Hi my name is Tania, I have two boy’s. I work 6 days a week. I’m looking for assistance in getting an apartment for my an my children. If you can please help me out or give me some information on how to get assistance. I would gladly appreciate it.