: If you are a veteran or active-duty service member, VA loans provide no down payment and no mortgage insurance.

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: Offers a comprehensive program with no down payment, no closing costs , and no mortgage insurance for low-to-moderate-income buyers. 4. State & Local Resources

Buying a home as a single parent is a major milestone, and in 2026, there are several programs specifically designed to lower the upfront costs and monthly burdens of homeownership. Whether you are looking for direct grants, interest subsidies, or low-down-payment loans, these resources can help bridge the gap.

: Backed by the Federal Housing Administration (FHA) , these are highly accessible for single parents due to a low 3.5% down payment requirement and flexible credit standards.

: Provides 3.5% to 5% assistance that can be used with FHA loans, often in the form of a forgivable second mortgage after 36 on-time payments.

: The CalHFA offers several deferred-payment loan options.

: Offers grants or forgivable second mortgages up to 5% of the loan amount to cover closing costs and down payments.