VFR general aviation aircraft communicating with ATC encountered solid overcast conditions resulting in an eventual ATC emergency declaration and assistance through the overcast layer.

Narrative

While flying VFR from ZZZ1 to ZZZ; I encountered a solid VFR on top situation. Weather reports indicated that there were broken clouds at 2;500. My intent was to find a hole and fly under the clouds; then get permission to fly into ZZZ. Upon arrival at ZZZ2 at 7;500; I found solid overcast. I headed southwest; and then west to see if I could find a hole; I could not. While over ZZZ3; TRACON offered assistance. The Controller asked if I wanted to file an IFR approach. I told him the plane is equipped; but not the pilot. After telling the Controller I had about 45 minutes of fuel; he stated 'I will declare an emergency for you.' I had enough fuel to make it to ZZZ2. TRACON talked me through the clouds and set me up for an ILS approach into ZZZ2. Lessons learned: Even for a short flight; request flight following. I had 3.5 hours of fuel onboard; it was only a one-hour flight. I flew for a total of three hours looking for a hole. The plane is well equipped for an IFR flight; but I am not. I also have a Garmin 496 with weather. I was constantly checking it in flight; and the ceilings prior to departure. I was very surprised to encounter solid VFR on top. The controller did a fantastic job of talking me through the clouds. I was quite comfortable with the situation; but the controller was extremely calm; professional; and worked me into the IFR system. I should have declared an emergency; but the controller did it for me.