Being a mother is undoubtedly challenging, but being a single mom is even tougher. Not only do single mothers have to take care of their children, but have to be concerned about earning money, putting food on the table, and providing a safe and affordable shelter for their families. No wonder single mothers struggle a lot to provide necessities for their children. Statistics state that low-income single mothers and their kids make up a large part of the homeless population throughout the United States. While some are unemployed and live on the streets with their children, some single mothers struggle to pay rent, utility bills, and mortgages. Fortunately, a lot of government organizations, charities, and nonprofit organizations are stepping up to design housing assistance programs for single moms and enable them to get back on their feet.
What Type Of Help With Housing For Single Moms Are Available?
Housing help for single moms from nonprofit organizations and government bodies is available throughout the United States. There are around 4,000,000 single moms receiving housing assistance and grants from the government. This housing help and grants will enable single mothers to afford a place so that they can live with their children safely and securely. Following are the type of housing assistance that is available for single moms:
1. Emergency Housing Assistance Programs For Single Moms
Single mothers who do not have a roof over their heads can get temporary shelter through Emergency Housing Assistance Programs. Emergency shelters are provided when their house gets destroyed by fire or natural calamity or if they are victims of domestic violence and abuse. Emergency housing help for single moms includes boarding rooms, hotel rooms, shelters, and group homes paid for by nonprofit organizations and social service centers.
2. Affordable Housing Assistance Programs For Single Moms
Affordable Housing Assistance Programs for single moms include low monthly mortgage payments and low-cost rental options to quickly pay for their housing-related expenses, utility bills, mortgage, and rent and prevent homelessness. The Section 8 Housing Choice Voucher Program offers houses and apartment units to eligible families and single mothers at reduced prices.
3. Low-Income Housing Programs For Single Moms
This housing assistance program is designed for low or moderate-income single mothers. To avail of this program, single moms must meet specific income limits and eligibility criteria. Eligible candidates who fulfill the income criteria can live in affordable houses, apartments, and townhouses.
4. Housing Rental Assistance Programs For Single Moms
The government, local agencies, and nonprofit organizations provide money to eligible single mothers and low-income families so that they can pay for their rent and remain housed. The programs pay a part of their rent to reduce their financial pressure and can also work with their landlords to reduce rents for the residents.
Housing Help And Programs For Single Mothers
As a single mom, you are not just the only caretaker of your kids but also the only bread earner of your family. As a result, it can be financially challenging for you to meet all your housing and financial needs. The COVID-19 pandemic has also resulted in housing issues and crises for single parents. If any single mom needs help with housing, she can use the following housing programs and resources to get a shelter.
1. Housing Choice Voucher Program
The HUD provides this program to eligible single moms and low-income families. While this program does not offer actual houses or apartments to needy families, it helps families with vouchers to locate rent units according to their choice. Single mothers will be responsible to locate housing where the landlord agrees to receive rent under the Section 8 program. The rent payments will be given directly to the landlord by the Public Housing Agency on behalf of the eligible renters. At the same time, candidates must pay the difference between the actual rent charged and the amount covered under the program. Single mothers searching for safe, decent, affordable housing can contact their nearest HUD office to apply for the Housing Choice Voucher Program.
2. HUD Public Housing Program
Public Housing Agencies are available in every state that provides decent and affordable housing to low-income families, disabled people, single mothers, and elderly citizens. Single mothers with low income can receive housing assistance from their local PA, provided their income level is at or below 80% of the area’s median income. The Public Housing Agency will consider the family size and income of the applicants before providing them with housing assistance. Individuals are required to be a citizen of the United States and have good references that can prove them to be good tenants.
3. USDA, Rental Assistance Program For Single Mothers
The United States Department of Agriculture provides housing programs to low-income families and single mothers so that they can locate affordable and decent homes in the rural areas of the United States. A housing located outside the urban areas is known as a rural region. This program provides financial assistance to low-income renters who cannot pay their rent and are at high risk of becoming homeless. Low-income single mothers living in rural areas and at high risk of homelessness are eligible to apply for the rent assistance programs by USDA. They can also locate affordable and safe rural rentals near their location by visiting the official USDA website.
4. Vision House Transitional Housing Program For Single Mothers
Vision House is a nonprofit organization that offers transitional housing and emergency shelters to single moms and homeless children. Different housing options are also provided to single men who want to recover from drug abuse and alcohol addiction. People who apply for housing assistance from Vision House should have their income at or 30% below the area’s median income. Homeless single moms or people at high risk of getting evicted can receive transitional housing assistance for up to two years. They also offer rapid rehousing, affordable rental, and permanent supportive housing options for single moms and homeless individuals.
5. FUP, Family Unification Program
The FUP program is offered by HUD or the Department Of Urban And Housing Development to keep families together. Low-income families, eligible youth, and single mothers work with PCWAs or Public Child Welfare Agencies to receive HCV or Housing Choice Vouchers. Eligible candidates will receive affordable rental assistance and support services like educational counseling and job training. You need to contact the local Public Housing Agency, which administers the Family Unification Program in your location. You can also visit the local HUD office near you and learn how to apply for this program.
6. HCFP, Housing And Community Facilities Program
This program assists low-income homebuyers, landlords, and home renters. The organization provides loan guarantees, direct loans, and housing grants for developing community facilities. Single mothers who cannot pay their rent or are looking for affordable housing can visit the Rural Development Office near them or visit the official website of HCFP to learn about eligibility criteria and application procedures.
7. Salvation Army
The Salvation Army, which works throughout the United States, focuses on providing financial and housing help so that low-income households and the homeless can pay for their utilities, rent, and seek shelter. The Salvation Army has designed many housing programs for low or moderate-income single mothers. The availability of these programs may vary according to the location. While some places offer help to single mothers with financial assistance and clothing vouchers so that single mothers can pay for groceries and rent, others include transitional living centers to help homeless single moms and their children. The Salvation Army provides self-improvement programs and skills training to eligible candidates so that single mothers and homeless individuals can get employment and improve their situation.
8. Habitat For Humanity
Habitat for Humanity constructs affordable housing for low-income families and single mothers so they can live in a safe and secure environment with their families. Single mothers looking for housing assistance can visit the official website of Habitat For Humanity and locate the nearest Habitat For Humanity Office to know whether they are eligible to seek assistance from the organization.
9. Mercy Housing
This US-based charity offers domestic violence prevention workshops, transitional housing, and career mapping seminars to help low-income single mothers and the homeless. The regional offices of Mercy Housing are located throughout the United States and are a popular organization that works to eradicate homelessness. The charity not only extends help with housing for single moms but also offers programs to empower homeless individuals to turn their lives around and achieve self-sufficiency.
10. Catholic Charities
Catholic Charities offer housing assistance, immigration refugee services, food and nutrition programs, and mental and physical healthcare facilities to low-income households and single mothers. This is a network of different Catholic organizations that provides support and assistance to needy families. As they are located throughout the United States, their housing programs and assistance may vary depending on the community’s requirements. While some Catholic Charities offer emergency and transitional shelters, others help families with permanent and affordable housing options. Single mothers who need housing for their families can seek assistance from this organization.
Raising a family and providing them with necessities takes a lot of courage for single moms. Fortunately, the state and federal government, local agencies, and charitable institutions in the United States offer affordable housing programs, rent assistance, and financial assistance to single moms who cannot locate a safe and decent house for their families. If you are a single mom and find it challenging to seek shelter, the above list of housing assistance programs and grants will benefit you and help you ease your financial burden.