Help For Single Parents To Buy A Home (2024)

: Some local housing authorities allow you to use your Section 8 voucher to pay a mortgage instead of rent.

Buying a home on a single income is a monumental goal, but it is far from impossible. In 2025, women—many of them single mothers—made up roughly . While the financial barrier of a down payment is often the biggest hurdle, numerous specialized loans and grants exist to bridge that gap. 1. Zero to Low Down Payment Mortgage Options help for single parents to buy a home

: These are matched savings accounts where a nonprofit or government agency might match your savings 1:1 or up to 4:1 to help you build a down payment. : Some local housing authorities allow you to

: Backed by the Federal Housing Administration (FHA), these are a top choice for single parents because they require only 3.5% down and accept credit scores as low as 580 . They also allow you to use child support and alimony as qualifying income. While the financial barrier of a down payment

You don't always need 20% down. Several government-backed programs allow you to move in with little to no cash upfront:

The Single Parent’s Roadmap to Homeownership: Programs & Pro-Tips