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I think it depends in which state you live in as the federal housing program is administered by the local offices.Federal rules for Section 8: you can qualify for section 8:With or without children.Where at least one individual is over the age of 62.Where one or more individuals in the household have a disability.Has been displaced from their home.Section 8 housing program follows the below structure:The individual/household applies for the Section 8 Housing Choice Voucher Program i.e. SEC 8 is not legacy housing. I think that in 90% of the cases your mom cannot turn her house over to you. Very long waiting lists and about a 2 year waiting period- longer now bc of Covad. TheThe applicant is likely placed on a waiting list that may take more than 1-2 years.During this time, the applicant can also choose to accept project-based vouchers.Once the applicant is approved for a tenant-based voucher, they can begin to look for an apartment or home.The applicant can only use the voucher at properties that accept Section 8 vouchers and meet Section 8 requirements, including a physical inspection.Once the property is approved, PHAs will pay a portion of rent on their behalf.If the applicant is approved for project-based housing vouchers, HUD can refer the applicant to a project-based assistance property owner with a vacant unit.If the applicant is screened and accepted by the property owner, then HUD will pay the portion of rent on their behalf.Steps to Get Section 8 Housing or Section 8 ApartmentsFind your local Public Housing Agency (PHA). This is the first place to start. The Housing Choice Voucher program, although overseen by the U.S. Department of Housing and Urban Development (HUD), is administered by local PHAs. The website categorizes local PHAs by state, city and/or zip code and includes all available contact information.Determine if you are eligible. The PHA will help determine if you are eligible for Section 8 assistance. This is based on both the family size and the total annual gross income — in general, the income may not exceed 50 percent of the area’s median income.If your mom knows someone in the PHA office you might get more help.I have seen families evicted with no prior notice for non-compliance of the regulations.If you are disabled they likely will do more to help you. Or a single parent with children at home.If you are under 62 and able-bodied my advice is to find the best job you can (you don't have to like it you just have to do it) ASAP and start saving quickly- even if it takes two jobs.Otherwise, you may find yourself living with Mom and stepfather or homeless.The less you depend on Uncle Sam the better off you will be especially things like HUD and unemployment.Find a job and go to work if you are able. Go to trade school or junior college and learn a marketable skill such as welding, medical etc.Be as free as possible.