If you are looking in a rural or suburban area, the USDA offers a program for low-income borrowers that can include 0% down payments. 3. Choosing the Right Property
Prioritize a shorter commute over a larger backyard. Time is your most valuable currency as a single mom. 4. Building Your Team single mom buying first home
Consider townhomes or condos where an HOA handles exterior maintenance (roof, siding, lawn). While there is a monthly fee, it protects your limited time and prevents "surprise" repair costs. If you are looking in a rural or
You’llFactor in closing costs (2–5% of the home price) and an emergency maintenance fund (aim for 1–3% of the home's value) so a leaky roof doesn't become a financial crisis. 2. Specialized Assistance Programs single mom buying first home