Free Grants For Single Moms To Buy A House May 2026

: Offers grants or forgivable second mortgages of up to 5% of the loan amount to help with down payments or closing costs. You can check eligibility on the National Homebuyers Fund website .

: Provides a path to homeownership with no down payment, no closing costs, and no credit score requirement. You can find their workshop schedule online.

: Designed for low-income applicants in rural areas, these loans often require

: Their homeownership program offers counseling and access to bank-sponsored grants specifically for first-time buyers and low-to-moderate-income families. State and Local Grants

Most "free" money is distributed at the state or city level through .

While there is no single "grant for single moms" at the federal level, several government and nonprofit programs provide down payment assistance (DPA), low-interest loans, and forgivable grants to help single parents achieve homeownership.

: These are matched savings accounts where a nonprofit may match every $1 you save with $3 or $4 toward a home purchase.

: Though not a grant, FHA loans allow for a down payment as low as 3.5%. Many single moms combine these with local grants to cover the upfront costs.