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Single mothers in Texas often need to find financial assistance resources for a variety of reasons. It is very difficult to feed, clothe, and provide shelter for children with one part-time income.

The federal and state government, private industry, and non-profit faith-based ministries all offer programs that help women to cut costs and protect income.

The challenge is knowing where to look, and how to find the support.

  • Monetary help with everyday living expenses
  • Emergency needs such as car repair and medical bills
  • Tips for pregnant women and infant childcare
  • Rental and mortgage down payment funding

Living Assistance for Single Mothers in Texas

Many single mothers in Texas need financial assistance with everyday living expenses. It is very hard to stay current on regular bills with only one income source. Many solo parents have little or no cash reserves.

Living check-to-check puts unwed moms in a vulnerable position. One hiccup (medical bills, unpaid leave, lost job, the car breaks down) can bring the house of cards tumbling down.

Several resources offer support.

Financial Emergencies

Request an emergency cash loan here. The extra money can help single mothers in Texas to deal with urgent financial needs. Many short-term loan programs charge relatively high fees for quick easy approval and funding. These fees can add up quickly if you renew the obligation too often.

Therefore, have a plan to repay the lender swiftly. Make certain the benefit of having extra cash on hand outweighs the cost. Some of these reasons make sense.

  • Avoid eviction on an apartment rental
  • Stop the electric company from leaving you in the dark and/or heat
  • Prevent the gas company from leaving you in the cold
  • Dodge late payments that stain your credit report
  • Pay for car repairs so you get to work and earn money

Debt Relief

Debt consolidation and settlement programs offer delayed relief. Single mothers in Texas frequently fall into serious debt. One part-time income is often not enough to cover everyday living expenses. Charging up a credit card provides a temporary fix when surprise medical bills or car repairs suddenly appear.

A settlement company may provide a way out of debt problems. Two key qualifying criteria apply to many unmarried women with children.

  1. Owe more than $10,000 in unsecured obligations. This includes credit cards, unpaid medical bills, and personal loans.
  2. Fall behind on payments. Creditors are more likely to agree to accept less-than-full payment when they risk getting nothing instead.

Car Repair

Resources for car repair assistance are very scarce for single mothers in Texas. It can be very tough to fix an automobile and get it back on the road with just one income – especially with a surprise auto breakdown.

  • File a claim with your auto insurance if you need to repair your car after an accident. This is the purpose of the coverage.
  • Verify if the dealer or auto manufacturer warranty covers the maintenances. Many companies will pay to fix defective parts.
  • Double check if you own an extended warranty policy. The policy may pay for parts and labor up to a specified time or mileage on your vehicle. Check with the dealer and auto insurance company.
  • The Texas Commission on Environmental Quality manages the AirCheck program. Low-income families can qualify for a $600 voucher to modify a vehicle that failed an emission test.1
  • God’s Garage and other faith-based ministries offer auto repair support to single ladies, widows, and spouses of our deployed military.2

Medical Bills

The Texas statute of limitations on medical bills prevents collection agencies from filing a lawsuit after four years. Any single parent with any unpaid doctor, dentist, or hospital bills often benefit by learning how these legal rights work.

You still owe the money to the doctor, dentist, or hospital after the four-year period expires. However, the collection agency loses its most effective method of compelling payment. They can no longer have the court attach a lien on your car or home.

The collection account will still appear on your consumer credit report. This negative information ages from your file 7 years after the date of first delinquency – unless your health insurance ultimately pays the claim.

Financial Help Pregnant Single Mothers

Pregnant single mothers in Texas are the most vulnerable group in need of financial assistance. It is challenging to hold down a job and earn an income while expecting. At the same time, expenses increase with extra medical bills. Then the cost of feeding, clothing, and caring for your child during the day enters the stage.

Unmarried moms with one income find it tough to make money ends meets. Check out the resources that may benefit you.

Short-Term Disability

Short-term disability in Texas can help pregnant single mothers by replacing a portion of income when she is unable to work. This happens frequently to women before their due date when medical complications make it difficult to work. After labor and delivery, mom needs time at home to recover.

However, the private coverage must begin before conception. The state does not offer a program that begins automatically. A small portion qualifies to collect unemployment after they are physically able to resume working.

Family Leave

Family leave laws in Texas provide legal job protections. Pregnant single mothers are most vulnerable to job loss as they rarely have a safety net. They have only one income and cannot afford to lose it. In addition, they have nobody at home to share with chores, caring for children, etc.

FMLA legal rights last up to 12 weeks for qualifying women working for covered employers. Other workplace laws make it illegal to discriminate based on family status.

Health Insurance

Affordable health insurance is very important to single moms. Healthcare is often one the biggest outlays a one-parent family might face. Unreimbursed medical bills are often most acute when mom is expecting a baby.

Moms-to-be have multiple government-based resources they can tap into. They can find help paying the health insurance premiums and lowering their out-of-pocket medical expenses.

  1. Adults may qualify for Medicaid if caring for a child
  2. The Texas Health Babies program has four components3
    1. WIC supplemental nutrition program
    2. Medicaid for pregnant women
    3. Children’s Health Insurance Program (CHIP)
    4. CHIP Perinatal

Unwed women who earn too much money to qualify for Medicaid can still be eligible for a hand with health insurance premiums. The federal government subsidizes premiums for individual plans bought through the state exchange. Families earning up to 400% of the federal poverty level qualify for this subsidy.

Childcare Expenses

Low-income single mothers have three places to turn for help paying for childcare expenses. It is very hard for one parent to earn enough money working to pay for another person or center to watch her child while she works.

Take advantage of every opportunity to cut costs.

  1. The Texas Workforce Commission sponsors the childcare services program. This entitlement subsidizes daycare for qualifying low-income families, enabling them to work or attend training activities.4
  2. The IRS Childcare Tax Credit offers the maximum tax savings for low-income families. Make sure to deduct these charges on your return before filing on April 15 of each year.
  3. The Dependent Care Flexible Spending Account provides an alternative to the tax credit. It favors families with more than two children in daycare and those with higher incomes.

Single Mother Housing Assistance Texas

Single mothers in Texas frequently need financial help with housing. It is often very challenging to afford a decent place to live in a safe neighborhood while raising children alone.

Renting is often more affordable in the short run than buying a home. Government resources offer support with either option.

Rent Assistance

Single mothers in Texas frequently need apartment rental assistance. Homelessness is a big problem with this most vulnerable population. You and your children should not have to live on the street.

The U.S. Department of Housing and Urban Development (HUD) offers two sets of government resources that help low-income families find affordable housing.5

  1. Subsidized apartments make it economically feasible for property owners to offer reduced rent to low-income tenants. Contact the leasing office of the building for details.
  2. Housing Choice Voucher Program (Section 8) helps low-income families afford decent, safe, and sanitary rental housing in the private market. Contact the local Public Housing Agency for details.

Home Loans

Single mothers in Texas frequently need home loan assistance for a mortgage down payment. It is extremely difficult for one-income families to scrape together enough money for a mortgage deposit.

Unwed women seeking to buy a home for her family can tap into multiple government and private resources for down payment support. However, each option comes at a cost: mortgage insurance to protect the lender from a more likely default.

  • FHA charges 1.75% of the principal upfront plus annual fees based on term and LTV
  • USDA charges a 2.00% upfront premium but limits the program to rural areas
  • Private mortgage insurance helps other homebuyers with small deposit amounts
  • Texas Home of Your Own Coalition targets aid to people with disabilities


  1. Commission on Environmental Quality
  2. God’s Garage
  3. Health and Human Services
  4. Workforce Commission
  5. Housing and Urban Development