10 Home Repair Grants For Low-Income Single Moms

Last Updated on January 17, 2024 by Lori Pace

In this article, we explore some excellent home repair grants that single moms and low-income families can benefit from to upgrade their house. Home repairs and renovations could break anyone’s budget, especially for a single mom who runs an entire household on minimal income. 

You probably haven’t saved towards the roof falling apart because it’s not something that happens every day, right? However, your child’s safety is a priority. Maintaining your home (repairs, renovations, etc.) can also create a secure environment for you and your family. 

Finally, we’ve highlighted the top 10 home repair grants for single moms so that you can enjoy a safe home without spending a single cent. 

10 Excellent Home Repair Grants For Single Moms

The Department of Housing and Urban Development (H.U.D.)

H.U.D. provides home repair programs to help low-income single moms upkeep their homes to create a safe environment. This program also ensures that the houses are liveable and meet the required housing standards. 

Community Block Development Grants (CBDG) Home Rehabilitation Loan Program

Do you have electricity shortages? Or maybe a roof leak?

Then this may be the program for you because it covers emergency repairs, makes sure your home meets the minimum housing standards, and protect it from hazards. FREE of charge!

What the program does not cover are renovations and construction. 

Section 108 Loan Guarantee Program

If you need to renovate your home, this option may benefit you. It would be best to have a clear outline of what your renovation entails. Remember this is a loan which you will have to pay back gradually. To apply, you need first to contact the H.U.D. in advance. They will help you prepare your application. Contact them on 202-402-4202 or e-mail section108@hud.gov.

A few other programs offered by H.U.D. Include the Neighborhood Stabilization Program (N.S.P.) and the Natural Disaster Assistance Program. 

United States Department of Agriculture (USDA)

Whether you’re looking for emergency home repairs or want to renovate your home thoroughly, USDA has you covered. 

The Housing Preservation Grant

Its name says it all; this program covers any repairs that will help keep your home intact and above board. 

Let’s see what it covers:

  • Repairing or Replacement of electricals, foundations, roofs, insulation, water, and waste disposal systems. 
  • Handicap accessibility features making your home mobile 
  • Labor and materials for construction (if required)

Unfortunately, you cannot apply for this grant directly. To access these benefits, you need to contact a non-profit organization or a government department. They will use it on your behalf for this grant. 

If you are a hands-on mom and prefer to do the work yourself, you might be interested in constructing your own home with the USDA Mutual-Self Help Housing Program. Applications are accepted all year round. 

To find out more, visit their website: Mutual Self-Help Housing.

Non-Profit Organizations (NPO’s)

N.P.O.’s are continually assisting in their communities wherever they can. They each focus on different needs and empower vulnerable groups of people, including helping single moms. 

These organizations are all about helping!

They fundraise and provide home repair services to help single moms keep their homes and families safe. They ask for nothing in return

If you would like to get help for FREE, check out the N.P.O.’s below:

  • National Fuel Funds Network
  • Habitat For Humanity
  • Salvation Family Emergency Services 
  • Community Action Agencies
  • Neighborhood Works
  • Rebuilding Together
  • Your local church 


Keeping your home warm during winter doesn’t have to cost the earth anymore. Upgrading your appliances has never been this cost-effective and easy before. 

To reap these benefits, take a look at the following home repair programs for low-income single moms:

Low-Income Home Energy Assistance Program (LIHEAP)

LIHEAP provides funding for weatherization, energy crises, and any energy-related home repairs to keep you and your loved ones safe and healthy. They even help cover your home energy bills! There are zero fees involved, but you need to be from a low-income household to apply.

For more information, call 202-401-9351.

Weatherization Assistance Program (W.A.P.)

Did you know that windows save up to 20% of heating costs?? Well, to take advantage of that, you would need to have well-equipped windows. That’s why this program exists to help low-income families repair or replace their windows and window panes for FREE. 

To apply, contact your state weatherization agency. 

Utility Companies

Credible utility companies have energy assistance grants in place to help low-income households with their home repairs and weatherization needs. Single moms are also offered additional benefits like energy audits and affordable payment options for their energy repairs and home upgrades. Therefore, below are a few programs that could help you:

Single-Family Rehabilitation/ Replacement Program

If you’re living in Miami and looking for emergency repairs or replacement options in your home, then this may be your best bet. This program offers free funding to low-income families to ensure that their homes are hygienic, safe, and decent. 

To request an application form, call 305-416-2080 or e-mail SFRPapplication@miamigov.com.

Finally, the Housing and Community Development department will review your application and determine whether your repairs are an emergency or if a replacement is needed.

The Displacement Prevention partnership (D.P.P.)

Have you recently been in an accident and now find yourself using a wheelchair? Or maybe you’ve been diagnosed with a severe illness? If you’ve answered yes to any of the above, then this program serves you best.

D.P.P. provides funding, free of cost, to help modify your home and make it mobile, safe, and easily accessible for you. The program is based in North Carolina and receives funding from N.C. Housing Finance Agency. 

To apply, contact your local housing agency.

Rebuilding Together

This organization is throughout the U.S.A. and focuses on rebuilding lives one home at a time. If a natural or artificial disaster has hit your home, then you could also qualify for help with the Disaster Readiness and Recovery program. 

Lori Pace
Lori Pace

Lori Pace is a single mother of three daughters ages 7 and under. As a working mom from home, she balances kids, work and two crazy dogs with humor and love. Follow Lori as she honestly gives tips and advice based on her own experiences as a single mom!