: Teachers, firefighters, and law enforcement officers can get 50% off the list price of homes in designated revitalization areas through this HUD program.

: These are matched savings accounts where a nonprofit or government agency might match your savings 1:1 or up to 4:1 to help you build a down payment.

Buying a home on a single income is a monumental goal, but it is far from impossible. In 2025, women—many of them single mothers—made up roughly . While the financial barrier of a down payment is often the biggest hurdle, numerous specialized loans and grants exist to bridge that gap. 1. Zero to Low Down Payment Mortgage Options