12 Financial Assistance Programs for Single Mothers

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Financial pressures are a significant challenge for single mothers. These moms often struggle to cover costs like childcare, housing, and healthcare alone. Financial assistance programs are crucial in this context. They provide needed support, helping single mothers manage their finances better.

These programs offer a range of benefits. They include healthcare access, housing subsidies, and help with education costs. This guide focuses on these assistance options that ease financial burdens for single mothers. By understanding these resources, single moms can find ways to improve their family’s stability and prospects.  Below, find a quick overview of programs that help single moms:

Financial Assistance Programs for Single Mothers

Let’s examine how single mothers can get help through government programs and local community resources. We want to show how financial assistance is vital in helping single moms care for their families and create better futures.

Housing & Mortgage Assistance

Habitat for Humanity

Habitat for Humanity helps low-income single moms build a first-time home for their families.  A group of volunteers will work to build your new home, and as a requirement, you help by working to build your new dwelling and buying furniture from their Habitat stores. Visit their website, a Habitat office near you, or call  1-800-422-4828. (more)

The Home Affordable Modification Program (HAMP)

This program helps single mothers receive the help needed to prevent foreclosure on their homes.   For information, call (888) 995-4673.

Home Affordable Refinance Program (HARP)

This program can help you have your mortgage reevaluated, lowering your interest rate payments or shortening the life of your loan.  Contact FannieMae or FreedieMac for more information.

Second Lien Modification Program (2MP)

If you have a second mortgage through HAMP, this program can help you get your principal reduced on the second mortgaged property.   For more information, call (888) 955-4673.  

Principal Reduction Alternative (PRA)

PRA, or principal reduction alternative, is A federal program that reduces the principal on your mortgage principal when your balance exceeds the home’s value.  To learn more, visit the IRS Website or call (888) 995-4673.

CoAbode

A unique non-profit that helps single mothers by facilitating shared housing arrangements. These arrangements reduce housing expenses by about 40% and offer the benefits of shared responsibilities and social interaction.

Housing Choice Voucher Pro

The U.S. government offers several rental assistance programs. One such program is the Housing Choice Voucher Program (Section 8), which provides vouchers to pay rent for private housing. Subsidized rental housing and public housing are other options, in which the government pays a portion of the rent.

Childhood Development

Early Head Start

This federally funded benefit program allows low-income parents to give their children better educational preparedness. It is open to infants, toddlers, or two-year-olds. This program prepares young minds to learn how to work and play with others and other essential skills.

Childcare Assistance

If you are a single mother, you must work to provide for your family or are in school to continue your education.  The most important thing is to find safe, affordable childcare for your children.

DSS funds the Child Care Assistance Program (CCAP), consisting of four childcare subsidy programs.  Contact the Division of Child Development in your state to get further information.  Your income cannot be above 75% of the state average income. You can earn up to $47,568 for a family of three.  (more)

Nutritional Programs

Supplemental Nutrition Assistance Program (SNAP) for Single Moms

This food assistance program helps low-income families purchase and provide nutritious meals for their families. If your gross family income is at or below the Federal Poverty Guidelines, you may qualify for help.

If you qualify for emergency expedited food assistance, you could receive SNAP benefits within 7-10 days. Contact the Department of Social Services near you or go online to find out how to apply for Food Stamps (SNAP).

Women, Infants and Children (WIC)

WIC is a federal and state nutritional program for food.  This program helps low-income pregnant women, babies, and children under five years old. WIC can be used in local supermarkets and wherever they accept WIC.  (more)

Farmers Market Nutrition Program  (FMNP)

Congress authorized FMNP in 1992 to enable people eligible for WIC to receive monthly vouchers for purchasing fresh produce.  You can buy fresh produce directly from farmers, local farmer’s markets, and roadside produce stands in the area. (more)

The National School Lunch Program (NSLP)

This free lunch program helps low-income children by providing breakfast and lunch during the school year and the Summer months.  Your child can receive two complimentary meals daily or a discount voucher if you qualify financially. Find out if you are eligible for this meal assistance program.

TEFAP Grants (The Emergency Food Assistance Program)

This Federal assistance program offers free food assistance to low-income single moms, older adults, families, and individuals.  To find out contact information for your state, go here and locate your form, then press “contact info.”

Health Programs

Children’s Health Insurance Program (CHIP)

CHIP allows disadvantaged women who do not qualify for Medicaid to purchase low-cost health care for their kids.   The health care programs are available in every state, DC, Indian, and US Territories.   You can apply online or by phone. 1-800-986-KIDS (5437)

Medicaid

Medicaid is a big help to single moms because it gives them and their kids the necessary health care. This includes things needed during pregnancy, like check-ups, help during childbirth, and care after the baby is born.

It also covers family planning and mental health services, such as checking for depression in new moms. For more detailed information, you can refer to the sources on the Medicaid website and KFF, which provide in-depth coverage of these benefits.

Home Heating and Weatherization

Home Energy Assistance (LIHEAP)

Many families need help paying high heating and cooling bills. Home heating grants are distributed yearly as a once-a-year subsidy from the Department of Health and Human Services.  The government allocates money to states, territories, and all tribal governments. If you qualify, you can receive a check for up to $350 to help disadvantaged single-family households.   (202) 401-9351.  (website)

Churches that Help Single Moms

The Salvation Army

The Salvation Army provides safe shelters for single mothers and families.  These transitional living centers also offer moms life support services such as education, counseling, vocational education, food, and other support to help women become stable and maintain family stability. They also sponsor a yearly Christmas toy drive to give gifts to children and older adults.

Catholic Charities

This faith-based charity offers life-affirming, supportive services to residents struggling to care for themselves and their children.  These programs provide financial assistance with bills and social support for single mothers, families, and individuals.

St. Vincent de Paul Catholic Church

The Christian organization helps single mothers, parents, older adults, and singles with many support services.  Struggling families can receive help with rent, utilities help with utilities, clothing, and household items from their thrift store, etc.

Charities that Help Single Moms

Many charities help single mothers and other families struggling to care for their families.   They can help you pay late rent and utilities, offer counsel, food assistance, job preparation, parenting classes, Christmas toys, and more.

If you face eviction or loss of lights, water, or gas, please contact the organization below to help.  Some of these agencies also have onsite food pantries.  Be prepared to show proof of income and identification for all children in the home.

Poverty among Single Mothers in the United States

In 2022, statistics on single motherhood in the United States revealed the following key points: There were approximately 10.9 million one-parent family groups with children under 18, and about 80% of these were maintained by mothers.  Among single mothers, 51% had never been married, and 29% were divorced.  A significant proportion of single mothers experienced financial difficulties:

  • Approximately 31.3% of single-mother families lived in poverty.
  • Nearly 45.4% received food stamps.
  • 9.2% had no health insurance coverage.

In Conclusion

Financial assistance for single mothers is not just a matter of practical necessity; it is a crucial element of social support that empowers them to overcome their unique challenges. Single mothers juggle the responsibilities of providing for their families.  This includes nurturing their children and often pursuing their education or careers while navigating financial challenges.

The availability of financial help in the form of government programs, community resources, and support networks not only eases their immediate financial burdens but also provides a pathway to economic stability and independence.

Pamela Lipscomb

We understand that finding financial assistance can be overwhelming and stressful. Our site provides information on potential programs, eligibility guidelines, and more. Please remember that this information is for guidance only, and we cannot guarantee assistance. For personalized advice and support, we strongly encourage you to consult with financial advisors, legal professionals, or the program providers directly.

31 thoughts on “12 Financial Assistance Programs for Single Mothers

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  15. HELLO I AM A SINGLE NEW MOMMY IM 29 AND I JUST HAD MY FIRST BABY IN MEXICO. IM A WHITE WOMEN I SPEAK NO ENGLISH I AM STUCK HERE I HAVE BEEN FOR 12 MONTHS DUE TO COVID BEING PREGNANT AND I CANNOT FIND ANY HELP FINANCIALLY TO GO HOME TO THE US WHERE I AM FROM. MY FATHER JUST DIED AS WELL THINGS ARE VERY TOUGH FOR ME AND MY SONS FATHER HAS DONE NOTHING TO HELP ME GET BACK HOME. I CANNOT WORK HERE CAUSE I SPEAK NO SPANISH AND I CAN BARELY BUY FORMULA. MY SON HAS NO SHOES.AND HIS CLOTHES DO NOT FIT ANY MORE. IM TIRED OF CRYING IM FINALLY GOING TO ASK FOR SOME HELP. IS THERE ANY KIND OF ASSISTANCE OR JUST PRAYER THAT WOULD REALLY HELP ME. IM SCARED AND ALL ALONE IN THIS SITUATION. PLEASE HELP ME WITH ANY KIND OF INFORMATION POSSIBLE.

    1. Hello, Sarah. Your best option is the contact the US Embassy in Mexico. To see if they can send you home because of hardship. Also try sending an e-mail to Oscar de Blue in Mexico at elblueoscar2019@gmail.com

  16. I’m looking for numbers to call to get help with a few Bill’s for this month mainly my electric4175512239 thank you

    1. Hello, Bridget. You may be able to get help with utilities from the Department of Social Services, Catholic Charities, or HUD. Call 2-1-1 to see what is available in your city.

  17. Hi I’m a single mother who needs help with furniture. I Jes recently got an apartment n we have no furniture I have to daughter’s 8n 10 we sleep on the floor n we barely have food. I need help asap please. Of u can help us we’d Appreciate it. Thanks

    1. Hello Roselita. Why haven’t you gone to the Department of Social Services to get assistance for your family? They can help with bills and Food Stamps. Go here to find a furniture bank to get free furniture.

  18. I’m in need of help with food, toys for my two grandsons, shoes, school supplies, sheets, curtains, and pampers.

  19. I’M A MOTHER OF 4KIDS AND WE REALLY NEED HELP WITH OUR MLGW BILL, MY LIGHTS ARE CURRENTLY OFF AT THIS MOMENT SO IF ANYONE CAN HELP PLEASE HELP US!!! THANKS FROM US

  20. I pay $200 rent welfare gives me $600 am a single mom of 3girls if next month u can lp me to pay the rent will be able to get my girls sweaters for Christmas.

    1. Hello, Anett. It doesn’t work that way. In order to get help with your rent, it has to be past due. If you need coats for you girls look here. If you need help with Christmas toys and other things go here. Please contact the agencies in the articles directly.

  21. I am going through the lost of all of my kids clothes and school supplies. Hurricane Harvey was so bad and red Cross dined me FEMA isn’t helping I just need money to get gas and food I really don’t care about the clothes. Please, someone, reach out and help me I would give the world so my kids can be back on track.

    1. Hello, Susan. There are several reasons you may be denied help from FEMA. Read here You should be eligible for food as well as bill assistance from Department of Social Services, Salvation Army. Make sure you have the identification necessary to get help. No organization gives away cash, but you may be able to get a gas card or voucher from Salvation Army. You must be able to prove your situation to get help.

  22. Hi my name is Lysa, I recently lost custody of my 8 yr old nephew an my our apartment, forcing me to put all our belongs into a storage unit. Unfortunately the monthly payments became too much for me to pay n I ended up losing EVERYTHING we had ever owned.! Except for our personal pictures n papers they had to give back to us. For which I was grateful. But.! Without having any family or a place to put them, I had to open up a small closet unit.But.! Being a single, Homeless vetran, I cant offord to pay the bill n unfortunately it is going to be auctioned off again today 8/14/17.! ? if U know any one who would be willing to help me save my family photo’s n personal papers, I would be forever Grateful n would commit to workin for u free as many hrs. as U needed.! To Show my appreciation and how grateful I am. I just Dont have any family left. They have all passed from either suicide or drug overdoses. Thank You So Much

  23. I was wondering if anyone can point me in the right direction. I’m a single mom receiving no child support or government assistance. I haven’t gotten a raise at work in over three years (no one who works there has). My car is about on its last leg. My tags are to be renewed by the end of October and I just know my car won’t pass inspection. My sons birthday is right around the corner and I have several dentist appointments also comeing up as well. I’m at a loss as I know that I can’t afford all of it. Can someone help or give me some advise?

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