• All Americans have a right to the American dream.Brick family house image by tarheel1776 from Fotolia.com
  
  The American Dream motivates everyone, single mothers included. However, problems with housing loans may prevent single mothers from realizing that dream. Several first-time homebuyer assistance programs exist in every American state, including grant programs to help single moms purchase a home. There is no single department devoted to offering grants for single mothers to purchase a home. Money is earmarked in various ways, some allocated to individuals, but increasingly being put in the hands of organizations.
  
  

Local Housing Authority

• First choice is the local optionkeys for new home image by Vasyl Dudenko from Fotolia.com
  
  First, a single mom should inquire at her local housing authority. There may well be an adequate home-buying program right in her home state, through the local State Housing Finance Agency, for example. This government agency is intended to help low-income earners into homeownership. A representative from this organization can recommend some of the best choices available to the single mother based on her personal circumstances.
  
  

HUD

• Federal optionnew home image by hans slegers from Fotolia.com
  
  The U.S. Department of Housing and Urban Development (HUD) can assist the single mom in making the appropriate decision, plus provide professional advice regarding the homeowner process. HUD services are designed to assist prospective home buyers throughout the entire application procedure. The single mother should specify she is a single mother looking for a home when she contacts HUD.
  
  

The Nehemiah Foundation

• Popular optionhome model representing house purchase image by dinostock from Fotolia.com
  
  The Nehemiah Foundation is the most appealing path for single moms to home ownership. Based on the single mom's circumstances, the foundation will disburse up to 6 percent of the cost of the house she is interested in buying. It is important for the single mother to provide all the information requested as listed on this website because the program is limited and popular.
  
  

Habitat for Humanity

• Do-for-self optionhouse building image by Warren Millar from Fotolia.com
  
  Habitat for Humanity is a remarkable organization. It offers quality housing and the chance for homeownership to deserving citizens. The program allows the individual and her friends and family members to toil on the actual building of the house in return for reducing the balance owed when it's finished. Habitat for Humanity seeks out hardworking single mothers to assist, and if the single mom fits the bill, she increases her chance of partaking in the program.