Last Updated on May 15, 2023 by Anne-Sophie Reinhardt
Single mothers in Illinois face many challenges in daily life. But perhaps the most important is finding affordable, safe and decent homes. They surf the internet for hours, reading every newspaper they can find and then end up at dead ends. We have compiled a list of housing assistance programs and schemes throughout Illinois to help single mothers find a roof over their heads.
Illinois Housing Development Authority
The Illinois Housing Development funds construction projects that provide affordable housing for financially-vulnerable people, single mothers included. These houses are built for small families and are intended to provide all basic necessities. These houses are not only built but also offer portals that enable anyone to locate affordable homes with relative ease.
Rent Assistance in Illinois
Rental Housing Support Program
The Illinois Housing Development Authority, in partnership with local agencies, manages the Rental Housing Support Program. This program offers rent assistance for single mothers, low-income individuals, and the elderly who reside in properties that are part of the support program. These properties are usually well-equipped and will be able to withstand different weather conditions.
The Department of Housing and Urban Development Subsidized Housing
Single moms are often unable to pay all of their monthly expenses because they don’t have the income. You may find yourself in an unsafe situation and have to accept a less-than-ideal home because you can’t afford the full rent. This problem can be solved by offering subsidized rent in Illinois.
Housing Choice Voucher/Section 8 Program
It is a well-known program that runs in all 50 states. The Housing Choice Voucher is a voucher that helps low-income residents pay rent by partnering with landlords to subsidize rent payments. The Voucher covers the rest of the cost of the voucher. You pay 30% of your income toward rent once you receive an application approval.
Homeless Shelter Assistance in Illinois
The Transitional Housing Program Illinois
People who have lived in shelters for a long time are often unable to afford a home and get back on their feet. This is due to a variety of factors including mental, physical, and structural economic. Transitional Housing provides assistance by providing Subsidized housing and counseling to qualified applicants.
Illinois Homelessness Prevention and Rapid Rehousing Program
The Homelessness Prevention and Rapid Rehousing Program aims to help those at high risk of becoming homeless or those living on the streets find temporary and possibly permanent housing. They also offer the candidates assistance in the form of rent assistance and employment access.
Revive Center For Housing and Healing
The Revive Centre for Housing and Healing, a non-profit organization, is based in college and works with the Illinois Continuum of Care. Its goal is to provide a seamless transition from homelessness to temporary housing and long-term housing retention for single mothers, the elderly, and other vulnerable individuals. They also offer workshops and counseling to help candidates make it easier to take care of themselves within a short time.
Homeowner/Buyer Grants and Assistance in Illinois
IHDA Mortgage Loan
The Illinois Housing Development Authority created the IHDA Mortgage Loan to help residents who are financially unable to pay down the down payment but have the financial assistance to buy a home. If qualified, you will be eligible for a fixed-rate loan with a down payment and closing cost assistance. This loan is for first-time homebuyers with low incomes.
Home Repair Assistance in Illinois
Single Family Housing Repair Loans and Grants
This program is also known as Section 504, available in all 50 states. It helps people in need of home renovations and repairs to eliminate safety and health hazards. Senior citizens aged 62 and over are eligible for grants. The rest of the population has access to a loan at an affordable rate with attractive terms and interest rates. These are the terms of the loan:
- Repayment period of 20 years
- A fixed interest rate of 1%
- Grants must be repaid if the property is not sold within three years.