Housing Assistance for Single Mothers in New Jersey

New Jersey has a higher cost of living than the average across other states. There are many people who work in New York who live in New Jersey. While the housing is a little cheaper than it is in New York City, there are still plenty of people who struggle. When people experience financial challenges they may find it difficult to continue paying their rent. The good news is that there are programs offering housing assistance for single mothers in New Jersey.

By reaching out to housing assistance programs, single mothers and others who qualify will be able to continue ensuring their basic housing needs are being met. They need to ensure that their children have a place to live and that they can afford the rent or mortgage. The programs below may be able to help you locate affordable housing options, as well as ensure that they are paid for each month.

With the exception of a rare loan to purchase a home, the help you receive from the programs below does not ever have to be paid back. The programs give the help to people in need and consider it a gift. They are grants that will not have to be paid back. If you are receiving a loan to purchase a home you will have to do so, but you will know from the start that is what is expected of you.

Programs Offering Housing Assistance in New Jersey

Housing and Urban Development (HUD) – This is a federal agency that is the largest provider of housing assistance for single mothers and others in the country. They have a variety of program to help with housing assistance. To qualify for their programs you have to have a low income, and be a citizen or legal non-citizen. Some of the programs they offer include affordable housing location assistance, Section 8, public housing, rental assistance, voucher programs, home repair assistance, and foreclosure assistance. They have programs that will help buyers and renters alike. If you would like to reduce your monthly utility bills they can help by providing you with free weatherization services, which will make your home more energy efficient. To get more information and apply for help from HUD in New Jersey, click here.

New Jersey Housing Resource Center – This is an agency that is part of the state government. They are a housing authority office for the state of New Jersey, and they provide assistance programs to help those who are legal residents. They can help you find affordable housing, as well provide you with information about rental assistance programs. Their rental assistance program provides short term help for those who qualify. To get more information about the programs they offer, click here.

211– To get help with the issues you are struggling with, you can call 211 on your phone. Once you do that all you have to do is tell them where you live and what type of help you are in need of. They will search their database to find programs and organizations in that area that will help with those issues. This is a free service that they offer. To get more information about the organization, click here.

United States Department of Agriculture (USDA) – The rural development program offered through this government agency will help those who qualify to live rurally, by either buying or building a home in a rural area. To qualify, you have to have a low income and be a legal citizen of the state. They will review your income and determine if you qualify for a loan or a grant that can be used to buy or build a home rurally. If you get a grant it does not have to be paid back, but a loan does have to be paid back over time. To get more information about the program, click here.

Habitat for Humanity – If you are qualify for the housing program through Habitat for Humanity then you will work with a team of volunteers to build your own home. This will put you in a brand new home that you will then be responsible for paying on each month. To qualify, you have to show that you can afford to pay for the home once it is built. To get more information about the program and find a location near you, click here.

United Ways of New Jersey – The United Way is an organization that has offices in all states. They provide assistance programs in need in each state. They offer 12 offices in the state of New Jersey. Contact the office near you to inquire about housing assistance programs or referrals to them in your area. To get more information and find a location near you, click here.

New Jersey Department of Community Affairs – This is a state run office that aims to help prevent homelessness. They have resources to help single mothers and others who need assistance. They have programs that lead to family self sufficiency, homelessness prevention, Section 8 and voucher programs, state rental assistance programs, and emergency shelters and grants. They can also help people become homeowners through a Section 8 homeownership program. To qualify for the programs you will have to show that you have a low income and that you are a legal resident of the state. To get more information and contact the agency, click here.

These are great programs for single mothers in New Jersey who need housing assistance. There is also the option of contacting local churches for help. You do not have to be a member of the church or even be religious to receive assistance. Most churches across the country have a mission of helping people in the community where they are located. Contact the churches near you to see what type of helpful programs they can offer to single mothers. They may offer programs themselves or will be prepared to provide you with referrals to local resources that can help with your situation.

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