According to a research in the year 2012, a report was released detailing that single mothers happen to work more hours or shifts than couples but also suffer a higher risk of falling into poverty. Statistically, the cost of housing, childcare, education and healthcare usually contribute to single mothers getting stuck in financial problems. As a single mother when there is only one source of income coming into the household, it can be difficult to afford a place to live that is safe for you and your children as well.
Though, Government assistance is readily available, but in order to be granted access to it, you must know what you qualify for. When you find yourself in a situation where you and your children may end up without a home or without shelter, don’t compound your problems by turning to the streets for help as there are many programs put in place to assist single mothers in need of housing assistance just like you. The federal government provides grants and federal subsidized housing schemes for single moms where she can live in a government owned apartment and only pay rent when they gain employment and start earning an income. The list below will give you a concise idea of how to get government assistance as a single mother by helping you identify your needs and how to apply through the appropriate government agency.
UNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)
The US Department of Housing and Urban Development (HUD) gives funds through the public housing agencies (PHAs) who in turn give out voucher program offering housing choice vouchers to single mothers. In particular, single parents are able to choose a single style family home, an apartment or a townhouse, so long as the unit complies with the program’s requirements, so as not to be limited to living in subsidized housing projects.
Information on how to avoid foreclosure, find help with buying a house or need assistance with rent and public housing can all be found on the official website HUD.org, and you will likewise be able to access local phone numbers for immediate help in avoiding homelessness. The Housing and Urban Development rental assistance program is a federal program and also the largest assistance program for housing in the country. It is a program aimed at providing low income houses and a variety of services including rent assistance in the nature of vouchers for specific private and low income housing scheme. Sometimes funds are also given out as part rent payment for apartments, this depending on the income of a household.
You need to visit your local U.S. Department of Housing and Urban Development office if you haven’t already to secure one and you can also meet with a government representative to discuss available low cost housing options.
COABODE SINGLE MOTHERS HOUSE SHARING
The CoAbode is a program aimed at connecting single mothers who are in need of affordable housing through the government housing scheme and who have similar interests and parenting philosophies. Single mothers can register in this program by filling out their profile information and their accommodation needs such as neighborhood, rent, and school. The CoAbode single mothers housing program is open to everyone, from divorcees to widowed mothers.
Membership for this scheme is free and once you set up a profile on their website, you will need to fill a questionnaire, and once completed you will be able to find other single mothers who belong to similar criteria as you and be able to contact them through a private electronic mail box. If you would rather prefer to relocate to a new state, this service helps you search for housemates by entering a zip code and city you are interested in. To find a housemate can generally take you between a few weeks to several months. The organization allows being proactive, positive and persistent when seeking for a housemate as this will increase your chances of finding a compatible housemate faster.
USDA RURAL DEVELOPMENT
This is another federal program scheme that is aimed at offering rental assistance to single mother families that reside in rural areas. This assistance program can take the form of vouchers also or can be directly done. The scheme adopts a pattern which usually works is such a way that grants are given out which pays the difference between what tenants can afford to pay out of their total income and the specific cost of the rent. Applicants for this program typically have to be the usual very low income to no income earners in order to get accepted into the program. In order to apply for this you will need to directly contact the USDA Rural Development office available in your area.
TRANSITIONAL HOUSING ASSISTANCE PROGRAM
A grant that is made under the Transitional Housing Assistance Program, aids victims of domestic violence who are in need of short-term housing assistance. It helps them secure transitional housing services till they can move into a permanent housing situation. This program also offers additional help to individuals which may include counselling, employment services, licensed childcare, support groups and referrals to other agencies. This Grant funds can be used to secure rent, pay utility bills, security deposits and other costs that are related to relocating. Grants are awarded to both state and local governmental agencies, as well as non-profit and community-based organizations that assist with transitional housing and support services to victims of domestic violence.
FEDERAL HOUSING ADMINISTRATION (FHA) LOAN
The federal housing administration loans have Women who are first-time home buyers as its eligible candidates. The Federal Housing Administration (FHA) guarantees mortgage loans that are granted by approved FHA lenders to these prospective candidates. FHA loans can likewise be obtained at very low interest rates which is lower than traditional mortgage loans. An outstanding benefit of this scheme is that a single mother doesn’t need to have a high credit rating in order to qualify for a Federal Housing Administrative loan.