grants for single mothers to buy homes?

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I am on Disability and a single mother my ex-husband does not pay his child support on a regular basis and my son and I live in substandard housing. We would very much like to have a new home of our own. However due to my disability I am limited to how much I can work outside the home as I have numerous illnesses and suffer from PTSD from all the abuse from my ex-husband. With what I receive from from Social Security in benefits there is no way I could afford a house payment when I can barely pay rent with assistance. My income is $ 840 per month for my son and myself! Do I qualify for a grant for a new home? My son and I are desperate fr a new home! Is there anyway this grant program would be able to provide the funds I need to provide my son with a home that is new and something we could both call home permanently?

  1. Reply
    A F
    November 10, 2011 at 5:55 am

    U S dept. Of Agriculture Rural Development may have grants or very low interest loans available if you are or want to be in a rural area. You can also look at programs through your area Neighborhood Revitalization Program. If you have trouble finding that either United Way or your congress person’s district office can give you info. Habitat for Humanity could be a possibility too it is probably in your phone book but of not United way or a quick web search will get you local contact information.

    Another possibility is a repo manufactured home and land either bought together or separately or one being sold by someone who seriously wants rid of it. I have seen home and land deals start at $ 500 down and under $ 400 a month. We bought from someone who was moving out of state by renting for 6 mo with no down payment and then taking over payments. We had been paying $ 150 a week for a pretty rundown trailer. The one we bought had land payment of $ 125 a month (and the same co now has payments of $ 150 a mo for people just starting to buy) and home payment of $ 209. We do have to figure in taxes monthly so that is another $ 25 but it is ours for a whole lot less than rent. It was not new – 2 yrs old but in very nice condition.

    Child Support Recovery can probably help you to get child support payments more regularly and you and your son may be eligible for temporary assistance (TANF) through welfare.

  2. Reply
    November 10, 2011 at 6:25 am

    So who should pay your mortgage? Taxpayers. There are no grants. if you cannot afford your rent how do you expect to pay a mortgage, property taxes, insurance, heat, water, sewer, trash, lawn maintenance, home maintenance and repairs. You need to be realistic in your ability to pay bills and on 840 a month you will not find anything. There are NO grants for personal use

  3. Reply
    November 10, 2011 at 7:06 am

    Sorry, hon, but there’s no such thing. I’m very sorry for your situation and I hope it gets better for you, but owning your own house is a very real luxury that takes a lot of years of hard work for the average American to be able to afford. If it was so easy for every low income American down on their luck to suddenly become a home owner by telling the government,” I need money for a new house, give it to me,”, then there wouldn’t be any such thing as a renter and government housing would be obsolete. Who doesn’t want to own a home of their own as opposed to the alternative? I wanted to for years and finally got my wish a little under a year ago. It took a long time and a lot of years of saving and building credit. I’m sorry if you are unable to do the same at this time, but nobody ever said life on disability and government assistance meant the “good life”. Who would be working hard for anything if it did? There is no magical house fairy that waves a magic wand and gives you the money for your dream home. Do you really think the taxpayers, many of whom can’t even afford to buy homes themselves are going to pay your mortgage, utilities, taxes, insurance, upkeep, and repairs? That all comes at a big expense and $ 840 a month won’t do the trick. As a previous poster said, if you can’t even afford to rent a place without assistance, why do you think you’ll be able to afford to own a house? They’re very expensive not just to buy but maintain. I understand your desire for your own house, but you have to be realistic to what you can afford. I hope someday soon your situation allows for you to get what you want. Best of luck.

    • Reply
      March 3, 2015 at 11:17 pm

      Sir, you have belittled and mislead this woman! If you had done any research on the subject, there are and have been many grants not to mention the rural recovery program thats been around for years! What gives you the right or authority to crush someone s hope when you have no knowledge on the subject, just an unaware pompous person with little man syndrome?

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