USDA Rural Development Housing Repair Loans and Grants:
The U.S. Department of Agriculture (USDA) offers loans and grants to low-income homeowners in rural areas for necessary repairs, improvements, or modernization of their homes.
Habitat for Humanity provides affordable housing solutions, including home repair programs. They offer assistance to eligible single moms through their local affiliates, which may include critical repairs, weatherization, or accessibility modifications.
Community Development Block Grants (CDBG):
CDBG funds are provided by the U.S. Department of Housing and Urban Development (HUD) and are allocated to local governments or nonprofit organizations to assist low-income individuals and families with various housing needs, including home repairs.
This national nonprofit organization offers free home repairs and modifications to low-income homeowners, including single moms. Their programs focus on improving safety, accessibility, and energy efficiency.
LIHEAP Weatherization Assistance Program: The Low-Income Home Energy Assistance Program (LIHEAP) offers weatherization assistance to eligible low-income households. This program helps improve energy efficiency in homes, resulting in reduced energy bills and increased comfort.
Home Repair Grants from Local Nonprofits: Research local nonprofit organizations in your area that provide home repair grants specifically for single mothers. These organizations may offer financial assistance or connect you with resources for repairs and renovations.
Home Repair Loans from Local Credit Unions or Banks: Some local credit unions or banks offer home repair loans with favorable terms for low-income individuals, including single mothers. Check with financial institutions in your area to see if they have any specialized loan programs.
State and Local Government Programs: Many states and local governments have programs aimed at assisting low-income homeowners with home repairs. Visit your state or local government websites or contact your local housing authority to inquire about available programs and eligibility criteria.
NeighborWorks America: NeighborWorks America is a national nonprofit organization that supports local community development initiatives. They offer various programs and resources, including home repair assistance, to help low-income homeowners, including single mothers, maintain safe and affordable housing.
State Housing Finance Agencies (HFAs) offer a range of housing programs, including home repair assistance, for low-income individuals and families. Contact your state’s HFA or visit their website to explore available programs and eligibility requirements.
The Home Depot Foundation provides grants and support to nonprofit organizations that offer home repair and renovation services. They focus on assisting veterans, seniors, and families in need, including single mothers, with critical home repairs.
- Many utility companies and energy providers offer energy efficiency programs that include home repair and improvement components. These programs may provide financial assistance or resources for upgrading insulation, HVAC systems, and other energy-saving measures.
Department of Veterans Affairs (VA) Home Repair Grants:
- The VA offers home repair grants and assistance programs for veterans and their families, including single mothers. These programs provide financial support for home repairs, modifications, and adaptations to improve accessibility and safety.
Single-Family Housing Repair Loans and Grants:
- The USDA Rural Development program offers Single-Family Housing Repair Loans and Grants to low-income homeowners in rural areas. These funds can be used for essential home repairs and improvements.
Faith-Based Organizations:
- Many faith-based organizations and churches have outreach programs that provide home repair assistance to individuals and families in need, including single mothers. Reach out to local religious institutions to inquire about available services.
Community-based Programs
Federal Loan Programs
- About HUD’s rehabilitation and repair home loan
- HUD’s rehabilitation and repair loan
- HUD’s property improvement loan
- Fixing up your home and how to finance it
- HUD-approved lenders
- Home Improvement Loans for Native Americans
- Rural home improvement and repair loans/grants
Consumer Information
Find your local Better Business Bureau – check out Texas contractors before starting home repairs.
Search for home repair by zip code here!
*Explore a host of free single parenting downloads and access additional resources here.