Single Mom Trying To Hold Onto My House…help!

I’m a 31f trying to figure out a plan to keep my house. I lost my cushy job in July of last year. I threw a Hail Mary and worked as a car salesmen for 2 months but I was ousted. I paid my mortgage through November with a couple months here and there being missed. I started an unemployment forebearance in December and moved out of my house so that I could rent it and put the money toward it. I moved myself and my daughter into my dad’s shitty basement to be able to salvage ownership of my home.I have a steady job now but not enough to stay in the house. The forbearance ends April 1 and they said I could apply for homeowners assistance if I had a job and could pay half the arrears which is half of about 14k. I can only muscle together about 6k. I’m looking at selling things but trying to avoid foreclosure at all costs. What if I give them that 6k and they don’t approve me for homeowners assistance? I’m panicking. I’m wondering if I should file for chapter 13 but my daughter is 7 who knows what could come up I don’t want to have completely destroyed my credit. I’m in NC it’s a USDA loan. I’ve owned the house 2 years. Please let me know if you know of something I can do that ensures the money I sink does something and holds onto my house. If I can get past this I’ll rent it and it can take care of itself.

Thanks!