Home Buyer Down Payment Grants for Single Mothers in Mississippi

Last updated: September 2025

This guide was written for single moms who need fast, real help to buy a home in Mississippi. You’ll find the most useful programs first, plain-English steps, and direct links to the people who actually process your application. Every major section ends with a Plan B so you always have a next move.

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If You Only Do 3 Things — Emergency Actions to Take

• Call a HUD-approved housing counselor and ask for a same-week appointment for a “pre-purchase” session. Use the toll-free line at 1-800-569-4287 and search your zip code on the counselor locator at HUD Mississippi. Ask the counselor to screen you for USDA 502 Direct (no down payment) and VA purchase loans if you’re a veteran or spouse. (hud.gov)
• Call two MHC-participating lenders today and ask which Mississippi Home Corporation down payment program they can lock for you this month. Ask about Smart6, Easy8, or Trusty10. Request their “turn-time” for second-lien docs and any waitlist info. (yourcnb.com)
• If you need gap money beyond state help, ask a local member bank about FHLB Dallas HELP grants up to $20,000 in Mississippi. Use the member phone line 1-800-362-2944 and confirm if funds are available from the most recent release windows. Read the grant bulletin at FHLB Dallas HELP and bookmark the member bulletin with release dates. (fhlb.com)

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Quick Help Box — Numbers and Links to Keep Handy

• Call a HUD counselor: 1-800-569-4287. Find a counselor and get free pre-purchase coaching at HUD Mississippi. Use HUD Customer Service Jackson for local contacts and fair housing help via HUD FHEO. (hud.gov)
• Mississippi Home Corporation (MHC): 1-601-718-4642. Program news and lender list via MHC, and see product summaries from lenders: Smart6, Easy8/Trusty10. (ms.gov)
• USDA Rural Development Mississippi: 1-601-965-4325. Check zero-down USDA 502 Direct loans, watch the rate posted monthly, and confirm rural eligibility. For guidance, use USDA contact. (rd.usda.gov)
• City of Jackson Homebuyer Assistance: 1-601-960-2155. Program details at City of Jackson — Homebuyer Assistance, plus recent coverage with amount ranges at Mississippi Free Press. For local HAB info, use Jackson FAQ page. (jacksonms.gov)
• Veterans & surviving spouses: Call 1-877-827-3702 (VA Home Loans). Learn about no-down-payment options at VA purchase loans, eligibility at VA COE, and fee waivers for disabilities at VA funding fee rules. (va.gov)

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What’s Available Right Now in Mississippi

Start here because these are the programs most single moms use to cover the down payment and closing costs.

Mississippi Home Corporation (MHC) down payment programs: Smart6, Easy8, Trusty10

MHC partners with lenders statewide to pair a 30‑year fixed mortgage with a small second loan for your upfront costs. Lenders show three main options: Smart6 ($6,000,0$8,000, 0% second, due at sale/refi), and Trusty10 ($10,000, second lien with a monthly payment option). These are shown on participating lender pages that work with MHC. Call to confirm income limits and first-time buyer rules. (yourcnb.com)

• Who typically qualifies: You must buy in Mississippi, use the home as your primary residence, meet county income caps, and complete a homebuyer education course from an approved provider linked by HUD. Many lenders accept credit scores in the mid‑600s; ask your lender for overlays. Product rules change, so ask for the latest MHC product sheet. Check MHC updates and contacts at MHC (MS.GOV profile). (hud.gov)
• How funds come: These are second mortgages recorded at closing. Smart6 and Easy8 are 0% due-on-sale/refinance; Trusty10 includes payments. Your lender prepares and records the second lien with the first mortgage. Confirm the repayment terms in the Truth-in-Lending and second-lien note. See lender summaries for Smart6, Easy8, and Trusty10. (yourcnb.com)
• Older MHC options you’ll still hear about: Some lenders reference earlier offerings like MRB7 ($7,000 forgivable after 10 years) or Smart Solution (percentage-of-loan second). Ask if those are open now or replaced by the current lineup. Read the MRB7 launch note at NCSHA and a legacy Smart Solution summary at FHA.com. Programs evolve, so always ask your lender for the current MHC product matrix. (ncsha.org)

What to do if this doesn’t work: Call 1-800-569-4287 and ask a HUD counselor to screen you for USDA 502 Direct (no down payment) and FHLB Dallas HELP grants through local member banks. If you live in Jackson, apply for the City of Jackson Homebuyer Assistance in parallel. (hud.gov)

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Table — Snapshot of Mississippi’s Core Down Payment Options

Sources: current lender pages for Smart6/Easy8, Trusty10 (summary), MHC profile, Jackson, and FHLB Dallas. (yourcnb.com)

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How Much Can You Get — And How Fast?

For state-backed seconds, lenders show $6,000–$10,000 as the typical help. That can cover a 3–3.5% down payment and part of closing costs on a modest home. You’ll see $6,000on[\ast Smart6\ast ](https://www.yourcnb.com/personal-banking/mortgages/mortgage-options/community-development-mortgage/down-payment-assistance-programs/smart6/),$8,000 on Easy8, and $10,000 on Trusty10. If you need more, stack a bank’s own credit with FHLB Dallas HELP while funds last. (yourcnb.com)

FHLB Dallas expanded its 2025 HELP budget to meet demand, with added release windows this summer and fall. Ask your bank how much of its allocation remains, and when applications reopen. Read the 2025 funding update and dates at FHLB Dallas bulletins and the companion press release at FHLB Dallas News. (fhlb.com)

What to do if this doesn’t work: Ask a HUD counselor to help you build a backup plan with an offer that needs less cash. They can check USDA 502 Direct for no-down-payment loans and coach you on seller-paid costs using CFPB’s buyer tips. (hud.gov)

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City and Regional Programs You Should Know

City of Jackson Homebuyer Assistance — up to $15,000 inside city limits

Jackson’s program uses federal HOME funds for first‑time buyers who purchase within city limits and meet income caps. The city’s page explains key rules, and recent coverage shows awards between $10,000and$15,000 based on need. Apply through the Office of Housing and Community Development and complete an approved education class listed by HUD. See program details at City of Jackson and recent award ranges at Mississippi Free Press. (jacksonms.gov)

• Key notes: The city shows a purchase price cap and 80% Area Median Income rule. You must pass a home inspection and complete an 8‑hour class. Ask staff about current wait times and whether funds are open this quarter. Use the city’s contact FAQ for down payment questions or call 1-601-960-2155 from the Jackson contact list. (jacksonms.gov)

What to do if this doesn’t work: Pair an MHC second such as Smart6 or Easy8 with FHLB Dallas HELP through a local bank while city funds replenish. Get coached through options by a HUD counselor. (yourcnb.com)

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Federal Loans That Can Reduce or Eliminate the Down Payment

• USDA Single Family Housing Direct (Section 502 Direct): No down payment is typical, and the rate published September 1, 2025 is 5.125% before payment assistance; with payment help, the effective rate can be as low as 1%. The home must be in an eligible rural area, and income must be within limits. Start with the Mississippi page for USDA 502 Direct and contact the Jackson state office at 1-601-965-4325. (rd.usda.gov)
• VA Purchase Loan (for veterans, active duty, Guard/Reserve, and some surviving spouses): No down payment in most cases, no PMI, and seller credits can reduce your cash-to-close. Check purchase rules at VA purchase loans, eligibility at VA home loan eligibility, and fees/waivers at VA funding fee. For updates, follow VA Home Loans. (va.gov)
• FHA + MHC second: FHA’s low down payment can be combined with MHC’s second lien. Confirm FHA’s closing cost estimates at CFPB’s buying guide and ask your lender about layering rules. For counseling and class referrals, use HUD counseling. (consumerfinance.gov)

What to do if this doesn’t work: Ask your counselor to review a smaller purchase, a USDA‑eligible town, or a seller‑paid closing structure. Use the HUD counselor locator and call 1-800-569-4287 to review options and compare loan estimates. (hud.gov)

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Step‑By‑Step — How to Apply Without Getting Stuck

• Get pre‑purchase coaching this week: Book a free session at 1-800-569-4287, pull your credit, and ask for a written “action plan.” Start on HUD Mississippi and review cost basics at CFPB’s homebuying guide. Ask which lenders actively close MHC seconds in your county. (hud.gov)
• Collect documents in one folder: Save pay stubs, W‑2s, child support orders, and bank statements. Your counselor can give a checklist and class sign‑up links on HUD’s counseling portal. If you’re likely USDA‑eligible, print the USDA 502 Direct applicant guide. If you’re a veteran, gather your VA COE. (hud.gov)
• Call two lenders and compare “cash to close”: Ask which MHC product they can lock now: Smart6, Easy8, or Trusty10. Request a Loan Estimate and ask whether they also offer FHLB Dallas HELP grants. (yourcnb.com)
• Take the homebuyer class early: Some programs won’t lock funds without your certificate. Your counselor will recommend a provider from HUD’s approved list. If buying in Jackson, confirm the class meets the City of Jackson requirement. Keep your certificate with your loan file. (hud.gov)
• Get your offer written to protect your cash: Ask your agent to seek seller credits for closing costs and a closing date that matches the DPA timeline. Use CFPB tips on closing costs and ask your lender about MHC second‑lien document timing shown in lender program pages to set the closing date. If you’re a veteran, ask about allowable VA seller concessions. (consumerfinance.gov)

What to do if this doesn’t work: Call your counselor and discuss a backup offer in a USDA‑eligible area, or push the closing date by a week. Keep calling FHLB member banks until one has funds available, and ask your agent to request a small seller credit to bridge any gap. (fhlb.com)

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Application Checklist — Print or Screenshot

• Photo ID and SSN: Driver’s license, Social Security card; for veterans, VA COE if applying VA.
• Income proof: 30 days of pay stubs, last two W‑2s, and child support paperwork; ask your counselor via HUD Mississippi if self‑employed.
• Bank statements: Last two months of checking/savings; explain large deposits using CFPB’s sample letters.
• Credit items: Letter of explanation for late payments; confirm scores with a lender offering MHC DPA.
• Homebuyer class certificate: Complete an approved course listed by HUD; Jackson buyers confirm with City of Jackson.
• Purchase contract: Make sure it allows seller credits and time for MHC second‑lien docs.
• Gift letter or grant award: If using FHLB HELP or a local grant, get the form from your lender.

(va.gov)

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Table — What Each Program Typically Requires

(yourcnb.com)

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Realistic Timelines and What Slows Things Down

Expect DPA to add a little time for second‑lien documents, income checks, and education certificates. The biggest delays usually come from missing paperwork and last‑minute cash‑to‑close changes. Time your application with funding calendars:

• FHLB Dallas HELP: 2025 had added release windows (July 1, Aug 1, Oct 1) because earlier allocations ran low. If your bank’s funds are out, ask about the next release date and reserve a spot. Watch the bulletin and press page at FHLB Dallas and FHLB News. (fhlb.com)
• USDA 502 Direct: Rates and funding are posted monthly; as of September 1, 2025, the current posted rate is 5.125% before payment assistance. Processing speed depends on completeness and local demand. Confirm by phone with the Mississippi office at 1-601-965-4325 and monitor the USDA Mississippi page. (rd.usda.gov)

What to do if this doesn’t work: Ask your lender to issue a revised Loan Estimate with a later closing date and a seller credit to cover any shortfall. Use CFPB’s checklist and call a HUD counselor to keep the file moving. (consumerfinance.gov)

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Common Mistakes to Avoid

• Not applying to multiple options at once: Don’t wait for one answer. Apply with an MHC lender for Smart6/Easy8/Trusty10, contact a bank using FHLB HELP, and ask your counselor about USDA 502 Direct. (nolalending.com)
• Skipping the homebuyer class: Many programs won’t fund without it. Book it early using HUD Mississippi counselors. If buying in Jackson, confirm class approval on the city’s page. Use CFPB’s prep guide to gather docs. (hud.gov)
• Forgetting veteran benefits: VA loans often need no down payment and allow seller credits. Read VA purchase rules, check eligibility, and review closing cost rules. (va.gov)

What to do if this doesn’t work: Book a 30‑minute check‑in with your HUD counselor to review your file, then ask your lender to re‑run your numbers with seller credits and a different MHC option shown on lender pages. (hud.gov)

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Reality Check — Funding Gaps, Denials, and Delays

• Funds run out: Bank allocations for FHLB HELP go fast. 2025 saw mid‑year top‑ups and staged releases. If your bank is out, find another member bank and ask to be called on the next drop date. Read the member bulletin for July/August/October 2025 releases at FHLB Dallas. (fhlb.com)
• Income or credit misses: If you’re just over an MHC limit, your counselor can check USDA 502 Direct, which uses different income rules and allows no down payment. If credit is the issue, ask for a “rapid re‑score” plan from a lender and credit coaching from HUD counseling. (rd.usda.gov)
• Closing cost sticker shock: Use seller credits and lender options to cut costs. Learn the fee types and typical ranges at CFPB’s guide and ask your lender if a small rate bump can create lender credits. Veterans can use VA closing rules. (consumerfinance.gov)

What to do if this doesn’t work: Ask your agent to switch to an affordable property in a USDA‑eligible area, then layer MHC and FHLB HELP. Keep your HUD counselor in the loop on every change. (ms.gov)

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Special Programs for Teachers, People with Disabilities, and Tribal Citizens

• Teachers: MHC runs the Housing Assistance for Teachers (HAT) program for critical shortage areas. Find current details and shortage areas on MHC communications and watch their announcements feed. Ask a counselor at HUD Mississippi to confirm if HAT is open this school year and how it pairs with MHC DPA. (ms.gov)
• Home of Your Own (HOYO): The Institute for Disability Studies at The University of Southern Mississippi has long supported buyers with disabilities and families with disabled members. Contact USM IDS at 1-601-266-5163 to ask about current funding referrals and classes. You can also ask the city for a referral via Jackson’s down payment FAQ. (usm.edu)
• Tribal citizens: Members of federally recognized tribes, including the Mississippi Band of Choctaw Indians, can consider HUD’s Section 184 program, which allows low down payments and flexible underwriting. Review the program on HUD Section 184 and see tribe resources at Mississippi Band of Choctaw Indians. Work with a lender approved under HUD 184 guidelines. (hud.gov)

What to do if this doesn’t work: Ask your counselor to combine a modest MHC second with FHLB HELP. If you’re a teacher, also apply for HAT in parallel. (nolalending.com)

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Table — Where to Call for In‑Person Help

(hud.gov)

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Diverse Communities — Tailored Tips and Links

• LGBTQ+ single mothers: Ask a counselor to flag lenders who follow inclusive training and non‑discrimination rules. Start with HUD Mississippi for fair housing contacts, review CFPB’s buyer steps, and explore MHC programs that do not restrict based on family structure. If you face bias, file a fair housing inquiry via HUD FHEO. (hud.gov)
• Single mothers with disabilities or disabled children: Call USM’s Institute for Disability Studies (IDS) at 1-601-266-5163 for HOYO guidance, ask HUD counseling for accessibility help, and check City of Jackson if buying in the capital. Request “large print” forms and TTY access; HUD’s TTY is listed on HUD Mississippi contacts. (usm.edu)
• Veteran single mothers: Use your no‑down‑payment benefit and ask about waived funding fees if you receive VA disability compensation. Read VA purchase guidelines, check eligibility/COE, and confirm fee exemptions at VA funding fee rules. If needed, pair VA with FHLB HELP. (va.gov)
• Immigrant/refugee single moms: A HUD counselor can explain identification, residency, and ITIN loan options where available. Contact HUD Mississippi, ask about lenders offering MHC down payment seconds, and use CFPB resources to understand closing costs. If you’re not yet eligible for state programs, focus on budgeting and alternative lender grants like FHLB HELP. (hud.gov)
• Tribal-specific resources: Members of federally recognized tribes can consider HUD Section 184 for low down payments and flexible underwriting. Coordinate with the Mississippi Band of Choctaw Indians housing offices and a Section 184‑approved lender. You can still layer local counseling at HUD Mississippi. (hud.gov)
• Rural single moms: USDA’s 502 Direct can be life‑changing with no down payment and payment assistance. Ask your counselor on HUD Mississippi to help you pick an eligible town and to pair a small MHC second if needed for closing costs. (rd.usda.gov)
• Single fathers: Most programs are family‑status neutral. Use the same path: HUD counseling for a plan, an MHC second, and FHLB HELP if you need more. Follow CFPB’s checklist. (hud.gov)
• Language access and accessibility: Ask for interpreters and large‑print forms. TTY is available via HUD contacts posted on HUD Mississippi. For disability‑specific help, contact USM IDS and review city class options on Jackson’s site. Also check CFPB for materials in multiple languages. (hud.gov)

What to do if this doesn’t work: Book another 30‑minute call with your HUD counselor to pick a second lender and pivot to USDA 502 Direct or FHLB HELP based on your location and timing. (hud.gov)

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Resources by Region (Mississippi)

• Jackson Metro (Hinds, Rankin, Madison): Apply for City of Jackson HAB, call Habitat for Humanity Mississippi Capital Area about zero‑interest mortgages, and use HUD counseling for lender referrals. When you need more funds, ask a local bank about FHLB HELP. (jacksonms.gov)
• Gulf Coast (Biloxi, Gulfport, Pascagoula): Request coaching and mortgage help from Habitat MS Gulf Coast (Homeownership), explore USDA 502 Direct if you’re buying outside city cores, and ask local banks about FHLB HELP. Keep HUD Mississippi on speed dial for counseling. (hfhmgc.com)
• Pine Belt (Hattiesburg area): Call USM IDS to ask about HOYO referrals, get pre‑purchase help at HUD Mississippi, and check MHC lenders for Smart6/Easy8/Trusty10. If you need repairs later, ask lenders about FHLB’s Disaster Rebuilding Assistance. (usm.edu)
• North MS (DeSoto County, Oxford): Use HUD counselors to find MHC‑active lenders near Memphis‑adjacent suburbs, compare MHC seconds, and ask area banks about FHLB HELP. Consider USDA 502 Direct for smaller towns. (hud.gov)
• Delta (Greenville, Greenwood, Clarksdale): Call a HUD counselor to see if 502 Direct fits your income and area. Ask lenders to combine MHC Smart6/Easy8 with FHLB HELP. Keep an eye on local Habitat affiliates if they serve your county. (hud.gov)
• Northeast (Tupelo/Lee County): Start with HUD counseling, ask your lender about MHC seconds, and check banks for FHLB HELP. Consider USDA 502 Direct for USDA‑eligible areas. (hud.gov)

What to do if this doesn’t work: Ask your counselor to identify the nearest lender still funding FHLB HELP this quarter and pivot to a USDA‑eligible town via USDA 502 Direct. Keep MHC as your state‑second backbone. (fhlb.com)

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Local Organizations, Charities, and Support Groups

• Habitat for Humanity — Jackson metro: Explore zero‑interest mortgages at Habitat MCA (Homeownership), read eligibility at Habitat MCA — Program Eligibility, and find general info via Habitat national profile. Pair Habitat coaching with HUD counseling to plan your loan. (habitatmca.org)
• Habitat for Humanity — Mississippi Gulf Coast: Learn about coaching and “Home Direct” at Habitat MS Gulf Coast, then compare MHC seconds and USDA 502 Direct with your counselor at HUD Mississippi. (hfhmgc.com)
• Public Housing Authorities with homeownership tracks: Some housing authorities offer homeownership programs or down payment referrals. Review Jackson Housing Authority Homeownership, ask HUD Mississippi for your local PHA contact, and check for lender partnerships that use FHLB HELP. (jacksonhousing.org)

What to do if this doesn’t work: Call 2‑1‑1 for other housing nonprofits, then circle back to a HUD counselor to merge nonprofit support with an MHC second or USDA 502 Direct. (hud.gov)

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How to Stop Utility Shutoff in Mississippi Today

If a shutoff notice threatens your move‑in or underwriting, act the same day.

• Request crisis energy aid: Apply for LIHEAP Crisis (ECIP) through MDHS LIHEAP, call your local Community Action Agency, and ask for a same‑day appointment. Use HUD Mississippi to find other emergency supports and call your lender to document the hardship. (mdhs.ms.gov)
• Ask the utility for a payment plan: Show your pending mortgage and class certificate. If you’re a veteran, ask about any special protections and coordinate with VA resources. Confirm any arrangement in writing, then upload it to underwriting. Use CFPB’s closing cost checklist to reorganize funds. (benefits.va.gov)

What to do if this doesn’t work: Ask a bank participating in FHLB HELP about any community grants and request a letter for the utility. Get a HUD counselor to escalate with local partners. (fhlb.com)

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Quick Reference Cheat Sheet

• Best first call: HUD Mississippi counseling at 1-800-569-4287; ask for a “pre‑purchase action plan.”
• State DPA backbone: MHC seconds (Smart6/Easy8/Trusty10) through participating lenders; cross‑check with MHC profile.
• City add‑on: City of Jackson HAB if buying inside city limits.
• Zero‑down option: USDA 502 Direct (MS page), call 1-601-965-4325.
• Veterans: VA purchase loans; check eligibility and funding fee rules.
• Stacking grants: FHLB Dallas HELP grants (up to $20,000) via local member banks; watch release dates at FHLB bulletins.

(hud.gov)

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Troubleshooting — If Your Application Gets Denied:

• Ask for a written denial reason: Then have your HUD counselor translate it into a step‑by‑step fix list. If the issue is cash‑to‑close, ask a bank offering FHLB HELP to bridge the gap. If it’s location, pivot to USDA 502 Direct towns. (hud.gov)
• Request a second opinion: Another lender may have different overlays. Ask a second MHC lender about Smart6/Easy8/Trusty10 and compare updated Loan Estimates using CFPB’s guide. If you’re a veteran, check VA eligibility again with their help desk. (nolalending.com)
• Escalate politely: If a city program is out of funds, ask when they’ll reopen and whether you can get “conditional approval.” Keep hunting for FHLB HELP funds at other member banks while staying in touch with HUD Mississippi. (fhlb.com)

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Tables — Fast Comparisons You Can Save

Table — Which Program Fits Your Situation?

(jacksonms.gov)

Table — Closing Cost Plays That Work in MS

(consumerfinance.gov)

Table — Where to Get Education and Coaching

(hud.gov)

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FAQs — Mississippi Down Payment Help for Single Moms

• How much down payment help can I get in Mississippi in 2025: Most state seconds run $6,000–$10,000 through MHC programs. City help in Jackson shows $10,000–$15,000 based on need, and bank‑based grants like FHLB HELP can add up to $20,000 when available. Check with a HUD counselor to sequence applications. (nolalending.com)
• Are these grants forgivable or loans: State help is usually a small second mortgage. Smart6 and Easy8 are 0% and due when you sell or refinance, while Trusty10 includes a monthly payment option. City and bank grants may be forgivable; ask for the note and deed terms. (yourcnb.com)
• Can I stack programs: Often yes. Many buyers pair an MHC second with FHLB HELP. In Jackson, check whether stacking with City HAB is allowed by underwriting. A HUD counselor can confirm. (ms.gov)
• What if I’m buying in a rural area: Look at USDA 502 Direct for zero down. You can add a small MHC second for closing costs and ask a bank about FHLB HELP. (rd.usda.gov)
• I’m a veteran — should I skip DPA: Many veterans use the VA purchase loan with no down payment and no PMI. You still may need closing cost help; ask about seller credits and layer FHLB HELP if available. Check VA fee exemptions. (va.gov)
• How do I find a legit counselor and avoid scams: Use only HUD-approved counselors and never pay large upfront fees. For unbiased advice on fees and “junk” charges, review CFPB’s materials. Confirm lenders on MHC’s official channels. (hud.gov)
• Will my monthly payment be affordable: Your counselor can estimate taxes and insurance and compare FHA, USDA, and VA. Review closing cost ranges at CFPB and ask lenders how an MHC second affects payments. For USDA, see current rates at USDA (MS). (consumerfinance.gov)
• How fast do grants run out: Bank‑based grants like FHLB HELP move fast; 2025 saw extra funds released mid‑year with set dates. Track bulletins at FHLB Dallas. City funds open and close during the year; watch Jackson’s announcements. (fhlb.com)
• Can I get help if I’m already under contract: Yes, but act fast. Call 1-800-569-4287 for HUD counseling, ask a bank for FHLB HELP, and have your lender check MHC seconds. You may need to adjust the closing date. (hud.gov)
• What if I need repairs after I buy: Ask your bank about FHLB Disaster Rebuilding Assistance if you’re in a declared disaster area. For energy upgrades, check MDHS Weatherization and stay connected with HUD Mississippi. (fhlb.com)
• Who can help me fight discrimination: Contact HUD Fair Housing, notify HUD Mississippi, and have your counselor document every incident. Veterans can also log issues through VA resources. (hud.gov)

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Spanish Summary — Resumen en Español (traducción asistida por IA)

Para comprar casa en Mississippi, combine un segundo préstamo de MHC (Smart6/Easy8/Trusty10) con subsidios bancarios como FHLB Dallas HELP y programas locales como Ciudad de Jackson. Pida una cita gratis con un asesor de vivienda de HUD Mississippi (teléfono 1-800-569-4287). Si compra en zona rural, consulte USDA 502 Directo que no exige enganche. Si es veterana, revise préstamos de VA. Llame para confirmar disponibilidad antes de solicitar.

(nolalending.com)

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About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

• HUD Mississippi
• Mississippi Home Corporation (state profile)
• USDA Rural Development — Mississippi 502 Direct
• VA Home Loans — Purchase
• City of Jackson — Homebuyer Assistance
• FHLB Dallas — HELP Program (2025)
• Habitat for Humanity Mississippi Capital Area
• Habitat for Humanity Mississippi Gulf Coast

Last verified September 2025, next review January 2026.

This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed. Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

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Disclaimer

This information is for general education. Program rules and funding change during the year. Always confirm current availability with the administering agency before you apply. Use a HUD‑approved counselor for personalized advice and ask your lender for all disclosures in writing. If you are in crisis or facing a time‑sensitive deadline, call 1‑800‑569‑4287 to reach a HUD‑approved counselor and 2‑1‑1 for emergency referrals through United Way.

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🏛️More Mississippi Resources for Single Mothers

Explore all assistance programs in 34 categories available in Mississippi

• 📋 Assistance Programs
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• ♿ Disabled Single Mothers Assistance
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• ⚖️ Legal Help
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• 🤱 Postpartum Health & Maternity Support
• 👩‍💼 Workplace Rights & Pregnancy Protection
• 💼 Business Grants & Assistance
• 🛡️ Domestic Violence Resources & Safety
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• 🤱 Free Breast Pumps & Maternity Support
• 📈 Credit Repair & Financial Recovery