Buying a home on a single income is entirely possible through a variety of government-backed loans, national grants, and localized assistance programs specifically designed to lower upfront costs.

Grants provide "gift" money that typically does not need to be repaid, while many DPA programs are "silent seconds" that are forgiven over time. Single Family Housing Programs - USDA Rural Development

: Best for single moms looking in rural or suburban areas. These offer 0% down payment and competitive interest rates for low-to-moderate-income buyers.