These programs are widely available and often feature lower credit requirements or zero down payment options.

down. The USDA Service Center Locator can help you find local offices for application details.

: 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 .

: 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.

: If you are a single mom working as a teacher, firefighter, or in law enforcement, HUD's Good Neighbor Next Door program offers a 50% discount on the list price of homes in designated areas. Nonprofit and Community Programs

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

: 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