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I am also a single woman looking to adopt overseas.
From what I've read, you don't need to own a house. You can be just as a great parent in an apartment as you can in a house. The homestudy will probably look for things like how welcoming your home is to a child, what kind of space is there for her/him, what's your neighbourhood like, nearby schools and playgrounds, etc.
I don't know of any government assistance with adoption. The Bank of Canada, however, has a special adoption loan with a really low interest rate. Your own bank or credit union will probably match this interest rate if you ask - they wouldn't want to lose your business.
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