: These conventional loans allow 3% down and consider non-traditional income, such as boarder or rental income, to help single earners qualify. State and Nonprofit Resources
: Offers a 50% discount on the list price of homes in HUD-designated "revitalization areas" for teachers, law enforcement, and first responders.
These federal programs are ideal for single mothers due to their low down payment requirements and flexible credit standards.
These programs offer direct financial aid that typically does not need to be repaid if specific residency requirements are met.
: Allows eligible low-income families to use their HUD vouchers toward mortgage payments instead of rent.
: Requires as little as 3.5% down and accepts alternative income sources like child support or alimony.
Localized programs often provide the most significant direct grants, ranging from a few thousand dollars to significantly higher amounts in certain areas.