Should You Buy a Home as a Single Mom? Here’s What I Learned Doing It Myself

Let’s talk about something that doesn’t get said enough: buying a home as a single mom is equal parts terrifying and empowering. I know this because I did it myself, and trust me, I had all the doubts and questions.

Can I really afford this?
What if something breaks?
Is this even the right time?

If those thoughts have ever crossed your mind, you’re not alone. I want to share my real experience—no sugarcoating—because I believe more moms need to know it is possible, even if it’s not always easy.

Why I Decided to Buy

When I became a single mom, stability became my number one goal. Renting felt temporary and unpredictable—rents were climbing, landlords were changing, and I didn’t love the feeling of living on someone else’s terms.

I didn’t buy because I had it all figured out—I bought because I was ready to plant roots. I wanted something my daughter and I could truly call our own. A home where I could paint the walls whatever color I wanted and not worry about a 60-day notice.

But getting to the closing table took guts, research, and a lot of financial planning.

Here’s What I Learned (That No One Tells You)

You don’t need a massive income, but you do need a plan.

As a single-income household, budgeting was everything. I had to look beyond just the mortgage—there’s property taxes, insurance, repairs, HOA fees (if applicable), and move-in costs.

I met with a lender early (before I even looked at homes), which helped me understand exactly what I could afford. And guess what? I didn’t aim for my max approval—I chose a price point that still left room in my budget for life.

You’ll become resourceful really fast.

Homeownership taught me how to fix things, call the right professionals, and build a “home emergency” fund. I also leaned heavily on community—Facebook groups, neighborhood forums, even YouTube tutorials (yes, I once fixed a leaky faucet thanks to a DIY video and pure determination).

Single moms are used to figuring things out—we just apply those same problem-solving skills to home maintenance.

It builds confidence you didn’t know you needed.

There’s something about having the keys to your own place that makes you feel unstoppable. Every decision I made—from choosing the neighborhood to decorating the living room—was mine. I didn’t have to get approval or compromise with a partner. And that independence? It’s priceless.

Your kids will remember the stability, not the stress.

I worried constantly during the process—was I making the right move? Would my daughter feel safe and happy? But now, she talks about “our house” with so much pride. It’s become a safe haven for both of us. The bedtime routines, the holidays we’ve hosted, the loud dance parties in the kitchen… It’s all worth it.

Things I’d Recommend If You’re Considering It

• Work with a real estate agent who gets you.
  You need someone patient, honest, and experienced—especially with first-time or single buyers.

• Know your numbers.
  Use a mortgage calculator, and don’t forget to factor in everything (utilities, repairs, future expenses). Stay well below your limit if possible.

• Look into programs for single moms or first-time buyers.
  There are grants, down payment assistance programs, and special loans you may qualify for. Ask your lender about every possible option.

• Think long-term.
  Buy for the life you have and the one you’re building toward. Don’t stress about having the perfect house right now. Focus on something that feels secure and manageable.

Final Thoughts: Yes, You Can

If you’re a single mom wondering if homeownership is in the cards for you, I want you to hear this clearly: you don’t have to wait for “someday.” You just need the right support, the right plan, and the belief that you’re capable—because you are.

Was it scary? Yes.
Was it worth it? 1000%.
Would I do it again? In a heartbeat.

You don’t need a perfect situation to make a powerful move. You just need to take the first step. And I’ll be cheering for you the whole way.

Want help figuring out if you’re ready to buy? I offer free consults for moms who are curious about the process—no pressure, just real talk. Let’s chat