No mother out there would want her child to be homeless. Providing proper housing facility is one of the topmost priorities for most single moms. After all, a stable roof on the top invites a feeling of sense of security in our kids. Luckily, there are plenty of housing grants that can help one gain a stable shelter during adverse conditions. Government housing for single moms can be obtained through subsidized housing, grants and housing vouchers. The housing voucher might cost you only a fraction of what you would ideally pay in the market. Basically, the government funded resources are designed to provide financially struggling moms and their children proper shelter and food for free or at a very low cost.
Talking about government housing for single moms, assistance can be gained by staying in a house owned by the state government. Over here, single mothers are offered a temporary shelter until they find a job. In some cases, they are asked to pay a certain amount towards the house rent.
Government housing grant is another option that enables single moms to buy a house of their own, or be able to stay in a house for a discounted or no rental cost. The government housing for single moms also include assistance in the form of loans. The government housing loans are provided to those single moms who fall under a particular income slab. Unlike grants, government loans have to be repaid, but these loans carry a very low rate of interest.
Some single moms out there make decent income from their job. However, they might still struggle to make down payments towards the purchase of their new home. “HOME” housing assistance program can help decent income earning single moms accomplish their goal of living in their dream home by helping them with the down payment amount required to purchase the dream home. Apart from this program, single moms can apply for homes that are privately owned with the aid of Housing and Urban Development (HUD). Subsidized homes are also made available through HUD. The basic criterion with HUD is that the income of the single mom should be less than 80% of the average income of the place where she currently resides.
Before applying for any sort of housing assistance, one should keep certain pointers in mind such as safety, affordability, durability and cost of living involved with the acquisition of a new house. It’s imperative that you acquire a house in a location that doesn’t create a dent in your bank account, or leaves you with more burdens in the years to come. Also, you should get all the paperwork done in advance so that you don’t encounter any hiccups just on the verge of obtaining a shelter for yourself and your children. Nothing might be more soul killing than being rejected for basic needs such as shelter, especially when the kids are too young to understand these things.
That being said, contacting the State housing finance agency is a good idea as well to obtain information about affordable housing options. Apart from this, single mothers can also get in touch with non government housing organization to explore more options in store for them.