Last Updated on May 15, 2023 by Anne-Sophie Reinhardt
Single mothers find it difficult to find the right housing resources due to the overwhelming amount of irrelevant and saturated information available online. We’ve created this article to provide info for single mothers in finding the right assistance for their housing problems in Kentucky.
Homeowner/Buyer Grants and Assistance in Kentucky
Kentucky Housing Corporation
The Kentucky Housing Corporation helps single mothers, families, and individuals in need to purchase affordable homes. This is done by identifying the many pain points involved in buying a house. KHC provides loan schemes, cash grants, down payment assistance, and cash grants. Each grant and assistance category has its own eligibility criteria.
The Louisville Down Payment Assistance Program
Although it is named after Louisville, the program aims to help people all across Kentucky achieve their homeownership dreams. This program covers closing costs and a portion of the down payments required to obtain a mortgage loan. This program is for people with low or moderate incomes. These are some of the conditions that will make you eligible for the assistance:
- It’s available to everyone living in Kentucky. However, you must be looking to buy a home in the Louisville area.
- Your annual income should not exceed 80% of the area’s average income.
- Do not have liquid assets exceeding $15,000.
Housing Financial Assistance in Kentucky
The Emergency Solutions Grant Program
The Emergency Solutions Grant provides a safe haven to individuals, single mothers included, who are homeless or sheltered. Individuals can quickly get back on track by receiving permanent housing, financial aid and other forms of assistance. The project will also help to decrease the number of homeless people by providing funding for a variety of preventive services.
Rent Assistance in Kentucky
The South Louisville Community Ministries
A group of churches from south Louisville founded the South Louisville Community Ministries. Its mission is to lift the community by providing food, clothing, and housing as well as rent assistance. It was originally founded to assist the residents of the area. However, its operations have expanded to include people from all over the region.
The Section 8 Voucher Program
The section 8 voucher program is a financial aid program that helps landlords and tenants. The section 8 voucher program allows landlords and tenants to apply together for financial assistance. If the application is approved, the tenant is responsible for only a portion of their rent while the initiative takes care of the rest.
Team Kentucky Fund
To help pay rent and other expenses such as groceries or utility bills, qualified residents may be eligible for vouchers up to $1000 per family.
Eviction Prevention and Legal Assistance for Housing in Kentucky
You can get legal assistance for eviction or other housing-related issues from Together Lawyers, a group of volunteer lawyers who work in conjunction with Kentucky’s four legal aid programs.
Homeless Shelter Assistance in Kentucky
The Kentucky Balance of State Continuum of Care
The Kentucky Balance of State Continuum of Care addresses homelessness by providing a continuous supply of housing projects. They offer emergency shelter, transitional or temporary housing, as well as permanent housing support. This venture provides assistance to eligible applicants through direct funds contributions and technical assistance.
The Homeless and Housing Coalition of Kentucky
For housing vouchers and permanent housing solutions, single moms on the edge of becoming homeless or already homeless can contact the Homeless and Housing Coalition of Kentucky. These are the criteria that will determine eligibility.
- You are homeless – you live in a shelter, outside or in your own car
- Your current living arrangements may not be safe.
The program may provide rental assistance for up to one year, a monthly payment, and a lease.
The Louisville Metro Housing Authority
The Louisville Metro Housing Authority, a state-owned agency, provides affordable housing and apartments for residents in the Louisville area with the goal of encouraging financial independence.
Housing Repair Assistance in Kentucky
Section 504 Home Repair Program
Section 504 Home Repair is for elderly or low-income homeowners who need to repair, improve, weatherize, or modernize their homes but don’t have the funds. Loans are available to eligible applicants at lower interest rates and with longer repayment terms.