Ultimate Guide To Housing Assistance for Single Mothers (Updated 2016)

Single Mothers are the most in need of housing assistance to ensure their child/children live in the safe living environment needed for a happy child hood. Housing assistance can come in many forms, which includes rent assistance, public housing, home buyer programs and more. There are many, many housing programs both from the government and from non profits in the US that can provide assistance.

However, you need to first a) know about the program and b) you need to qualify and c) you need to apply and d) you often need to wait (sometimes a while) before you are approved. However, it’s a good idea to do the research so you KNOW what’s available out there so you can act on it if you need the help.

We’ve written this guide to help you navigate the many programs out there that are, frankly, quite confusing for the average person. We try to make finding the program and applying for it as easy for you to understand.

What is this Housing Assistance Guide?

This guide will provide an in depth look at different housing assistance options available to single mothers in two sections:

  • housing assistance by major source (government assistance, private assistance, non-profit assistance)
  • type of housing assistance available (emergency assistance, rental assistance, low income housing, affordable housing)

We suggest you find the category that most suits your situation first then go from there.

Is there Really Housing Assistance…or is it a Scam?

Housing assistance is legit. There are lot of actual housing programs created by both your local state and the federal government that have been put in place to help qualified individuals. Keep in mind that any sort of government program (such as HUD, Section 8 Housing Vouchers, FEMA, Low Income Housing) has a lot of red tape and bureaucracy involved. To apply for these big, national housing assistance programs, you’ll have to actually fill out a comprehensive application, apply, and wait — sometimes a few years — before you qualify (if you qualify).

Still, if you can’t get Government Assistance, there are a  host of non-governmental programs you can look for and seek help with. We are talking about non-profit organizations (which are often financially supported by grants from the government), charities, and other such programs. Many private organizations also specialize in emergency housing assistance, women shelters, and other such temporary assistance.

So if you cant get or find a government program for your needs, don’t despair. Look at what private housing assistance you can find.

Table of Contents

  • if you are looking for government assistance programs related to housing: view the Government Housing Assistance section
  • if you are looking for private housing assistance programs: check out the Private Housing Assistance section
  • if you are looking for Emergency Housing / Emergency Shelter: check out the Emergency Housing section
  • if you are looking for Rental Assistance: check out the Rental Assistance section
  • if you are looking for Low Income Housing: check out the Low Income Housing Section
  • if you are looking for cheaper, affordable housing: check out the Affordable Housing Section

Section I: Housing Assistance by Source

There are several different sources to find housing assistance.

The first section of this guide (Section I) will divide the sources of potential housing assistance into three broad categories consisting of:

  • Government Assistance
  • Private Assistance
  • Home Buyers Programs

These are BROAD categories that target different groups of people. If you are a single parent or single mother of low income status, you’ll probably want to look at Government Assistance and Private Assistance sources — the Home Buyers Programs target people who have some money to BUY a home, but not enough outright.

Government Housing Assistance

The U.S. Department of Housing and Urban Development (HUD) offers a wide variety of housing and living assistance for those in need throughout the country. To qualify for these programs, you must be considered low income, showing you can afford the market rate for rent in your area. The following will explain the different sources of government housing assistance program.

Low Income Housing Programs

If the rent costs in your area are to high for you to afford, applying for a Low Income Public Housing Program could be a big help. The U.S. Department of Housing And Urban Development (HUD) has established a public housing program that is designed to provide quality, safe rental housing units for the low income, which includes single mothers.

The program is managed by your Local Housing Agency (HA). The HA’s receive funding from the HUD who then in turn use the funds to cover a large portion of the rent payments for the participants in need, making it much easier for single parents to afford their reduced rental payments. The public housing comes in all different shapes and sizes which can include houses, apartments, condos, however you will usually be placed in an apartment.

Eligibility

If you are considered low income or very low income and show you are in need, you should be able to qualify for the program. The following points are used to factor in your income and eligibility:

  • low income is considered 80% of the median income for the area in which you choose to live
  • very low income is considered 50% of the median income for the area in which you choose to live
  • must be a U.S. citizen

To apply you must contact your local housing agency and set up an appointment. You will discuss your income and current situation as they will assist you in filling out the application form, which needs detailed and personal information such as:

  • name, birthdate, sex and relation to the head of the family
  • name and address of your previous and current tenants, to discover your behavior as a tenant
  • an estimation and source of your family’s income for the next 12 months
  • the names and details of any banks or financial institutions you may belong to, as well as any possible employer information

It is very important to realize there are usually waiting times before you will be placed in a low rent housing unit. There is a waiting list that goes in order of the highest need. If you are a single mother you will usually have not have to wait very long, however the wait can range widely from 3 months all the way up to a few years.

Housing Choice Voucher Programs (Section 8 Housing)

The Housing Choice Voucher Program is another housing option that is also funded by the government. Basically, how this program works is it allows the participants to choose their own housing, in which the HUD will pay for 30-40% of the rent payments. The HUD’s portion of the rent payment are given to the participant’s landlord in the form of a voucher which are used towards rent payments.

The Great advantage this program offers is you get to choose your own living arrangement on the housing market as long as it meet’s the Housing Agency’s requirement. Furthermore you can also use your current living arrangement to receive the reduced rent payments.

How Much Will You Pay For Rent?

If you are wondering how much you will pay for rent, here is the explanation. Rent payments which are called Total Tenant Payments(TTP), are calculated by your household annual income less any deductions if there is any.

The following will show the formula used to calculate your rent payment, which chooses the highest of the following three factors:

  • 30% of the monthly income (includes any deductions already subtracted)
  • 10% of the household’s monthly income
  • a $210 monthly minimum rent amount

Eligibility:

To be eligible for this program, the household’s annual income cannot exceed 50% of the median income for the area in which they choose to live, however the HA’s must by law, present 75% of their vouchers to household’s whose income does not exceed 30% of the area median income. Medical payments and expenses are also taken into consideration when you are applying.

Keep in mind, there can be waiting lists associated with this program as well. The waiting list depend on the need in your area. Families facing hard situations and very low income will not have to wait very long or might not have to wait at all.

To apply for this program please contact your Local Housing Agency, or the nearest HUD office near your area to set up an appointment where your income and living situation which be discussed. Keep in mind your Local HA will need banking documents to verify your income. Also it is important to note there is also a waiting list associated with this program which can range form a few months to a few years, so some patience is required.

Shelter Care Plus Program/Continuum of Care Program (CoC)

If you are a disabled single mother, you can participate in the Shelter Care Plus Program which collaborated with other housing support programs such as the Supportive Housing Program to form the Continuum of Carer Program (CoC program) Under this program, the government assists disabled single parents and their families with the funds and means necessary to be able to afford stable, high quality housing. A disability includes any physical disability, mental illnesses and addiction issues.

There area different types of rental options available with this program which allows applicants to choose their own housing as well. The program offers many different housing assistance option such as

  • Tenant Based Rental Assistance
  • Sponsor-Based Rental assistance,
  • Project Based Rental Assistance
  • Moderate rehabilitation for single room occupancy dwelling

To learn more about this program, visit the HUD Shelter Care Plus Program/Continuum of Care Program website.

USDA Rural Development Housing Assistance

This program is geared towards those who live in a rural area other than a city. The United Stares Department of Agriculture offers a program for low income families and single parents to own or rent a house in a rural area.

Eligibility is based on your income, meeting the income eligibility requirements. You must also be a U.S. citizen and have been approved lender. A great feature this program offers is an eligible address search that allows you to search to see if your property or area of interest will be eligible for the program.

Private Housing Assistance

Rather than using government assistance, you can explore private housing options instead. Also if you are on a waiting list for the government programs that you can explore the private housing options in the meantime.

Private Transitional Housing

Private Transitional Housing is usually funded by nonprofit organizations and churches. This program will provide struggling single parents who are facing possible eviction and possible homelessness with secure, high quality housing.

This program is somewhat similar to a shelter however it is a step above as you can be placed in housing for long periods of time which can range from just a few months all the way up to a few years. These programs also assists in help finding a better paying job. Furthermore, some of the transitional housing programs also offer child care which is a huge added benefit. Check out the Transitional Housing Website for more info on the programs offering child care.

Finding transitional housing programs can be difficult at times as they do not widely advertise these programs. However, you can visit the Transitional Housing Organization website to help you locate these programs in your area.

CoAbode Single Mothers House Sharing

The CoAbode Single Mother Program helps link single mothers to other single mothers who find themselves in the same situation. With this program you will live with another single mother as roommates. This is beneficial if you are fine with living with another mother, as it would cut your monthly rent payment in half, as well as many other living expenses.

This program has an easy enrolment process, as all you have to do is fill out a form detailing where the area you want to live, preferred school districts for you children to attend, your neighborhood of preference. The program will then find suitable matches based on the same preferences you have chosen. To lean more and to get started in connecting with other single mothers, check out the CoAbode Single Mother House Sharing Website.

Charity and Non Profit Organization Assistance

It is important to keep your options wide open for help from charities and Non Profit Organizations that also includes churches. These churches and organizations can be very helpful as they offer emergency shelter, food assistance, utility assistance and more.

Below are some of the more popular charity/non profit organizations that can provide help if you are a low income single mother:

Do not be shy or ashamed to ask for help with these organizations. They are here to help you get through your difficult situation and are more than happy to accommodate you. Reach out and ask for help from any of the above organizations.

Home Buyers Programs

If you are a single parent who is interested in purchasing their first home or mortgage, there is an abundance of programs available. Buying a home is a long process with many hoops to jump through. First and foremost, you have to have a good credit score. The amount the bank will loan you for a mortgage depends on your credit rate among other things as well. If you have very bad credit many banks will not consider you for a mortgage.

If you have a good credit rating and some savings, then owning a home is a great option and a dream for many. The first thing you should do if you do not have a lot saved is open an Individual Development Account to help you save at a faster pace as explained below:

Open an Individual Development Account (IDA)

An Individual Development Account can be a very useful tool to help you save money very quickly. An IDA is matching savings account for low income single parents and families to help them save for and be able to purchase large assets such as a house. The savings attributed to your account will be matched for every dollar. So if you contribute $500 to the account, the $500 will be matched and also added to your account. This will allow low income single mothers to quickly save up for a down payment for a home.

Now, there are strict requirements that need to be met in order to qualify for this account such as:

  • you must be debt free or have minimum debt.
  • cannot have assets that exceed $5000.
  • the savings coming into the account must come as a result from earned income
  • must meet the low income requirements which vary bases on the IDA. The range can vary from 200% of the poverty level to 80% of the area median income.

To learn more about Individual Development Accounts and to find an IDA program near you, check out this IDA webpage.

Federal Housing Administration Loans – FHA Loans

When purchasing a home without any assistance, you are usually requited to put down 20% of the value of the home/mortgage as a down payment. For many people, that is simply not possible, as a result FHA Loans come into play. Basically FHA loans allows first time home buyers too put down a smaller amount as a down payment, sometimes as low as 3.5% of the amount of the mortgage, however it ranges anywhere from 3.5% to 10%.

Furthermore with an FHA Loan, you can sometimes receive assistance with the closing costs. This all depends on your credit score and amount you want to put down as a down payment. FHA loans also provide a low competitive interest rate on your mortgage. A lower interest rate can make a big difference over time, saving you some good money.

So what is the downside to an FHA Loan? Well, you will also have to pay for mortgage insurance as well as your monthly mortgage bill. The amount you have to pay each month varies greatly based on mortgage amount, which state you are in and more. However it usually a very small percentage of the mortgage amount. If you feel that owning a home is your best option over renting, then explore the possibility of an FHA Loan especially if you would have trouble with the down payment. If you are interested in an FHA Loan, visit the FHA Loan website to learn more about the program and how to apply.

Furthermore, each state has their own first time home buyers programs that are administered by the state’s housing commission or authority. Each state has different names and criteria for each of their home buyer programs. To look for specific programs based on your state, choose your state from this list to learn more.

USDA Loans

USDA Loans are somewhat similar to FHA loans however this program helps single mothers who are looking for homes in a rural area which would fall under the USDA Loan designation. The main feature program offers is a 90% loan note guarantee. Furthermore, this program will also sometimes allow certain applicants to waive their down payment on the house.

This program allows you to build a new house, or remodel or make changes to a house in any eligible rural area.

To qualify for this program you must have a credit score at 620 or above. This program is only for those who are of low or moderately low income. To see if a house or property is eligible for the USDA Rural Loan, check out the USDA Property Eligibility Locator. To learn more about the program check out the USDA website.

First Time Home Buyer Tax Credit

When you purchase your first home you will be eligible for a tax credit. The tax credit can be worth up to 10% of the price of the home, up 8000. Furthermore if you already own a home there are other tax credits you should be using to help save you money such as:

Home Mortgage Interest Deduction: You can deduct some of the interest you pay to your lender on your taxes. This should be filled out on the 1098 tax form.

Mortgage Fee Deduction: You can also deduct some of the fees you paid to actually obtain your mortgage. This can also be found on the 1098 tax form.

Property Tax deduction: You can receive property tax deductions on both the state and local property taxes you pay which are based on the value of your home. The property taxes you paid can be found of the 1098 tax form as well.

Habitat For Humanity Housing Organization

The Habitat for Humanity Housing Organization is a non profit organization that builds, rebuilds, or restructures houses and building in order to create affordable housing for the low income. This organization has many locations and organizations located throughout the country.

The Habitat for Humanity will choose needy low income single parents and families and will help them achieve home ownership. If you feel you are really in need and would like to apply, you need to apply with your local Habitat for Humanity Location. Check out this Habitat Locator to help find a Habitat location in your area.

Once you apply, your local Habitat for Humanity will go through the application and choose Habitat Homeowners based on:

  • your ability to repay loan over time.
  • your level of need in your current situation.
  • your dedication to help contribute to the Habitat Home.

There are some eligibility requirements that must also be meet in order to participate in the Habitat Program. You must have a decent amount saved up (remember to open up an Individual Development Account). You must also be a legal U.S. citizen and be willing to attend courses on home ownership and make payments to assist in the construction process.

Purchase Low Priced HUD Homes

The United States Department of Housing and Urban Development (HUD) will sell homes that have been foreclosed at very low prices. The houses are sold as an auction, with bids being placed online. One great advantage to buying a home from the HUD auction is the HUD will cover the closing costs, and you will still be eligible for other housing assistance programs as well including programs that help low income with heating and cooling and energy efficiency.

To learn more and to find HUD homes for sale in your area check out this HUD Home for Sale Locator.

Section II : Housing Assistance Options for Single Mothers by Assistance Type

There are many sources and types of housing assistance available for single mothers in the United States. It can be a little bit overwhelming looking understanding each of the assistance sources and which is best for you. This section of this guide will list and explain the Housing assistance options available by the type of housing. It will explain the different types of housing assistance available including:

  • Emergency Housing
  • Low Income Housing
  • Affordable Housing
  • Rental and General Assistance

Emergency Housing Programs

These are programs for people who need housing RIGHT AWAY due to some unforeseen circumstance (you’ve been evicted, kicked out of a home, had your home foreclosed, the fire burned your house down, you are homeless, etc.). Unlike some of the other programs, these are design to help people find a place to stay quickly and for a temporary period of time.

1. Emergency Solution Grants (ESG) Program

The ESG program is available for nonprofit organizations and local government agencies to provide funding for housing options to low income and needy people including single mothers. The money raised in this program is used to allow for homelessness assistance programs to be administered throughout the United States.

If you need to find homelessness assistance, visit this Homeless Programs locator to find a program in your specific area that will be able to help you.

2. Camillus House and Health Organization

The Camillus House Organization provides shelter and housing services to those who are of very low income and no other means necessary to assist them. The Camillus House also offers health assistance and food assistance to those who are in need. The emergency housing from Camillus is offered up to 90 days or until stable housing and living arrangements are found.

To be eligible for the assistance under the Camillus House, you must exemplify a huge need, having little to no money and no family to assist you. To learn more and to get assistance, visit the Camillus House website contact page.

3. Emergency Funding Shelter Program (EFSP)

The Emergency Funding Shelter Program is managed through funding from the United Way to help communities have adequate, well priced housing available for the low income including single mothers. The more funding a community receives, the more shelter and housing they can offer to the low income. To learn more visit the EFSP website.

Low Income Housing for Single Mothers

Low Income Housing Programs are designed specifically for those who are low on income and assets and have a tough time with rent costs. There are the official ‘low income housing’ programs which is a government program, then there are unofficial low income places which are just cheap rentals.

The official program works like this: the government often supplements your rent with the landlord, provided certain conditions are met. As such, these rentals are categorized as Low Income Housing and available to people who qualify.

The unofficial ‘low income housing’ is simply just housing that targets low income persons by offering lower rents. The compromise is that these housing units are often old, run down, and may be in undesirable neighborhoods.

1. HUD Low Income Housing Program

The HUD Low Income Housing Program provides low income residents across the United States with greatly reduced rent payments in housing arrangements owned by the local Public Housing Agencies in your area of the state. You will usually be placed in an apartment; however, you can also be placed in single houses or condos. The Housing Agencies receive funding from the state, who then use the funds to provide the low income with very low rent payments in safe and sanitary living conditions.

To be eligible you must be of low income, usually set at approximately 50% at the median income in the area you live, however this is just a guideline which needs to be discussed with the Housing Agency. In order to apply you must contact a Housing Agency in your area to set up an appointment.

2. Housing Choice Voucher Program (Section 8 Housing)

The Housing Choice Voucher Program allows for low income single mothers to be able to afford their housing of choice on the housing market by reducing their rent costs. This program is somewhat similar to the Public Housing program except with this program you get to choose your apartment/home. Locating a suitable apartment that is large enough for your family can be difficult so this program enables you to afford larger, higher quality apartments.

Once you have chosen your home, the Housing Agency provides a voucher to your landlord which covers a good portion of your rent payments. You will only pay a portion of your total rent payment, usually ranging between 30-40% of the total rent cost. Use this link to find a Public Housing Agency near you in the state you reside in.

3. Low Income Home Energy Assistance Program (LIHEAP)

The LIHEAP program helps low income single mothers pay for their home energy costs, more specifically heating and cooling. As a single mother your heating and cooling bills can be a big financial burden so this program can provide some financial relief for you. This program will make payments directly to you energy vendor which the parent paying the remaining portion through a co-payment. The amount that is paid towards your bill depends on your income correlation with the number of people living in your household. To learn more about this program check out the LIHEAP Website.

4. Weatherization Assistance Program (WAP)

The WAP program helps homes become more energy efficient, allowing homes to conserve energy which will allow you to save on your energy bills. Many of the services performed on your house include: sealing window air leaks, adding insulation, repairing furnaces or a/c units and more. To be eligible for this product you must also be of low income, which is based on your household size and income. To learn more about the WAP program and too apply visit the WAP website.

5. National Low Income Housing Coalition (NLIHC)

The National Low Income Housing Coalition is a nonprofit organization that ensures that low income single mothers and families have access to decent and affordable homes throughout the United States. The Coalition helps communities understand the need for adequate, affordable housing for the low income.

This organization does not help individuals directly; however you can still contact them to be directed to low income housing areas in your location. Visit the NLIHC website to learn more.

6. Bridge of Hope Organization

The Bridge of Hope Organization is a non profit organization that helps prevent homelessness by helping single mothers find permanent housing. The Bridge of Hope is a Christian Based Organization that works in collaboration with various churches who are willing to help single mothers with their housing. Furthermore, the Bridge of Hope will also help women find better, higher paying employment.

To receive the assistance with the Bridge of Hope, you must be a U.S. citizen and be homeless or on the verge of homelessness. To learn more and to find a Bridge of Hope Organization in your area, visit the Bridge of Hope Website.

7. Mercy Housing Organization

The Mercy Housing Organization is a non profit organization that assists low income single mothers in finding suitable housing arrangements for a price that they can afford. Mercy Housing is a very established organization as it is one of the most well known affordable housing organizations in the United States.

There are several Mercy Housing locations throughout the United States. Each state has its own Mercy Housing Offices that have its own application process which varies by state. Some of the properties will have a waiting list depending on the demand in your state. You can use this Mercy Housing locator to find a Mercy Housing office in your state.

8. Vision House

The Vision House program is a non profit organization that provides housing to single mothers and their children if they are homeless, on the verge of homelessness, or of very low income. Your income must be fall below 30% of the median income in your area. Single mothers can stay in the homes until they find better employment, or while they attend school and gain the skills needed to support their family in their own housing.

To learn more about this program, visit the Vision House website.

9. Low Income Housing Tax Credits

This program gives property owners tax credits to property owners if they provide affordable housing options available for the low income. This increases the amount of low income housing options available to the low income including single mothers. To learn more please check out the HUD Tax Credits webpage.

10. Nurturing Network

The Nurturing Network assists women who are facing an unplanned pregnancy. This non profit charity will support the women throughout her pregnancy and offer support after the child is born as well. The Nurturing Network will offer a home for the women and her child to live, medical assistance and will even help women find new or better employment. To learn more visit the Nurturing Network website.

11. Low Income Housing Institute (LIHI)

The LIHI owns and operates housing for the low income families including single mothers in the state of Washington. This program will also provide women with resources to help them find better employment, as well as money management and more.

To be eligible, your income must be below the median income and you must also be a legal U.S. citizen. To learn more visit the LIHI website.

12. Fema Housing Portal Program

The Fema Housing Program Program assists individuals and families including single parents who have been relocated due to a disaster such as a house fire find a new, suitable place to live. The program aims to help you find a place to live that is very near your previous home. There is no need to apply as you simply use the FEMA Housing Portal to locate new homes.

Affordable Housing for Single Mothers

These Affordable Housing programs offer safe and high quality homes for single mothers at a very affordable price.

1. CoAbode Single Mothers House Sharing

The CoAbode Single Mothers House Sharing program allows single mothers to locate other single mothers who find themselves in the same situation. The program will help you find a single mother to live with as roommates where you will split the rent. This is beneficial if you are fine with living with another mother as it would cut your monthly rent payment in half, as well as many other living expenses, allowing you to save money and to better provide for your child. Another benefit this program offers is emotional support as you will have another single mother to talk to and create lasting friendships.

This program is easy to qualify for, as all you have to do is fill out a form detailing the area you want to live, preferred school districts for your children to attend, and your neighbourhood of preference. The program will then find suitable matches based on the same preferences you have chosen. To lean more and to get started in connecting with other single mothers, check out the CoAbode Single Mother House Sharing Website.

2. Social Serve Service

The Social Serve Service is a non profit service that helps anyone including single mothers to find affordable housing in their area. The services are run online on the organized website called SocialServe.com. You can easily search by state to find housing in your exact location and the site also has support staff that will guide you through the process. There are no eligibility requirements as anyone can use this service.

3. HUD Affordable Apartment Search

The United States Housing and Urban Development offers a useful search tool that helps you locate affordable apartments in your specific area. This can really simplify the process for single mothers as it can be difficult to locate affordable apartments that are high quality and safe. Check out the HUD Low Rent Apartment Search to find an apartment near you.

4. Habitat for Humanity

The Habitat for Humanity program is a non profit organization that provides safe and high quality homes for the low income including single mothers. The program will restructure or rebuild homes and structures which will result in cheaper housing opportunities for single mothers.

The Habitat for Humanity will choose needy low income single parents and families and will help them achieve home ownership. If you feel you are really in need and would like to apply, you need to apply with your local Habitat for Humanity Location. Check out this Habitat Locator to help find a Habitat location in your area.

Once you apply, your local Habitat for Humanity will go through the application and choose Habitat Homeowners based on:

  • your ability to repay loan over time.
  • your level of need in your current situation.
  • your dedication to help contribute to the Habitat Home.

If you are awarded a habitat home, there will be a mortgage attached, so you will have to have a good credit rating to be eligible for some of the homes offered. Furthermore, there are some eligibility requirements that must also be met in order to participate in the Habitat Program. You must also be a legal U.S. citizen and be willing to attend courses on home ownership and make payments to assist in the construction process.

5. Family Unification Program (FUP)

The FUP program is somewhat similar to the Housing Choice Voucher Program as it provides ‘vouchers’ for single parents who currently have inadequate housing. The Voucher will cover a large portion of your housing which is based on your income and number of children. To learn more and receive a voucher, you must get into contact with your local Public Housing Agency and set up an appointment.

6. Housing Counselling Assistance Program

The Housing Counselling Assistance Program will assist single mothers with purchasing a home, including education on saving for a down payment, and help in obtaining tax credits related to your home that can save you money. Furthermore, this program will offer guidance on renting, and help those with credit issues fix their credit so they will be eligible for loans and mortgages.

To receive assistance that this program offers, visit the HUD Housing Counselling website and you can use this housing Counselling locator to find an office near your location.

Rental Assistance for Single Mothers by Charities 

There are some emergency rental assistance programs offered by some non profits that may help with with rent, depending. You’ll have to specifically contact the actual organization linked to here and directly ask about this.

1. YWCA USA

The YWCA USA program that are strong advocates for women in many areas. This program will provide assistance to women in many areas that includes housing and child care assistance. The YWCA doesn’t directly provide housing, but they will help single mothers locate housing. What this program does do is offer many services to single women such as early childcare assistance, offer health programs, and help single mothers find jobs and better employment opportunities.

To qualify for the assistance, you must show that you are of low income and in need, however there are no specific requirements. To find a YWCA in your area, you can use this YWCA locator on their website.

2. Salvation Army

The Salvation Army provides help in many different areas in which single mothers could benefit from. The Salvation Army can help single mothers with housing, offer financial assistance and even food assistance. The services offered by the Salvation Army in your community varies by funding and demand. To find out  services that can benefit you, contact your local Salvation Army.

3. Catholic Charities

There are many catholic charities located throughout the United States that offers a wide variety of services to low income families including single mothers. The Catholic Charities will help single mothers locate affordable safe housing, and offer counselling to mothers and their children as well as help single mothers find new or better employment. To find a Catholic Charity in your area, type in your location on the Catholic Charities website.

As you can see in this extensive guide there is all sorts of help available to you. If you are a single mother struggling with living expenses be sure to apply to as many programs as you feel you need, to ensure you and your children can live comfortable and safely.