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State HFA Emergency Housing Assistance Programs

This directory shows critical components of state HFA emergency rental and mortgage assistance programs established in response to the COVID-19 pandemic. The linked presentation provides analysis, early takeaways, and additional resources. Please click on the program links to see the complete program profile and additional details about funding and people served. To submit a new entry, complete this form. Questions? Contact NCSHA.


Displaying 1 - 25 of 45

 State Agency Program Name Program Description Eligibility Criteria Eligible Activities Program Status
Alaska Housing Finance CorporationAlaska Housing Assistance for Alaskans (AHAR)

A new program established to provide financial relief for renters and homeowners who have experienced a loss of income resulting from the COVID-19 pandemic. Applicants are awarded assistance through a lottery system.

• Household income must be at or below 80 percent of AMI.
• Applicant must be unable to make monthly rent or mortgage payments due to circumstances related to COVID-19.

  • Rent
  • Rent arrearages
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
Closed to New Applicants
Arizona Department of HousingRental Eviction Prevention Assistance

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 100 percent of AMI.
• Applicant must have had a job lay loss or reduction in compensated work hours due to circumstances related to COVID-19.

  • Rent
Accepting Applicants
Connecticut Housing Finance AuthorityThe Temporary Rental Housing Assistance Program (TRHAP)

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 80 percent of AMI.
• Must be current in rental payments and provide documentation showing loss of income beginning on or after March 1, 2020.
• Must not be receiving any other federal or state rental assistance.
• Must not be under an eviction order for non-payment of rent before March 11, 2020.

  • Rent
Closed to New Applicants
Delaware State Housing AuthorityDelaware Emergency Mortgage Assistance Program (DEMAP)

A previously existing program, which provides homeowners of single- and two-family residences, including condominiums and manufactured housing (if affixed to a permanent foundation and deeded with the land) assistance in preventing mortgage foreclosure. In August 2020, the Governor extended the eligibility criteria to provide direct assistance to homeowners adversely impacted

• Household income during the qualifying event must be at or below 80 percent of AMI.
•Must have had a job lay off, furlough, unpaid leave, and reduced work hours, including for those who are self-employed, those who have had a COVID-19 medical-related illness, or family care related to COVID-19, which resulted in job loss or reduced hours of work.
• Must be the property owner of record, and their property must be the mortgagor’s primary residence,
• Must have been current on mortgage prior to April 1, 2020.

  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Mortgage insurance
  • Late fees
  • Legal Fees (court or attorney fees)
Accepting Applicants
Delaware State Housing AuthorityDelaware Housing Assistance Program (DE HAP)

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 60 percent of AMI.
• Must provide documentation showing an impact on employment or income beginning March 10, 2020, or later that is attributed to the COVID-19 pandemic. Examples include job layoff, reduced work hours, or the need to take unpaid leave due to childcare or other issues arising as a result of the health crisis.
• Must not be receiving any other federal rental assistance payment or subsidy.

  • Rent
Accepting Applicants
District of Columbia Department of Housing and Community DevelopmentCOVID-19 Tenant Based Rental Assistance Program

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Must be at or below 60 percent of the Median Family Income (MFI) based on HOME Investment Partnership Program income limits.
• Must live in a property with 50 or fewer units.
• Must be delinquent on their rental payments and have resided in their units since February 29, 2020.

  • Rent
  • Rent arrearages
Accepting Applicants
District of Columbia Department of Housing and Community DevelopmentCOVID-19 Housing Assistance Program (CHAP)

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Must be at or below 80 percent of the Median Family Income (MFI) based on the COVID-19 Income & Rent Schedule. o Must be delinquent on their rental payments or unable to pay rent, and have resided in their units since February 29, 2020.
• Must demonstrate COVID-19-related impact.

  • Rent arrearages
Accepting Applicants
District of Columbia Housing Finance AgencyDC MAP (Mortgage Assistance Program) COVID-19

A new program established to provide financial relief for homeowners who have experienced a loss of income resulting from the COVID-19 pandemic.

• The program is limited to primary home mortgages and borrowers of the mortgage.
• Mortgage current prior to March 1, 2020.
• Must demonstrate COVID-19-related impact.
• Must prove that the owner is ineligible for forbearance or relief through their mortgage lender/servicer or through the DC Hardest Hit Fund program.

  • Mortgage (may include principal and interest)
  • Mortgage insurance
  • Homeowners Insurance (may include hazard insurance)
  • Late fees
Accepting Applicants
Florida Housing Finance CorporationState Housing Initiatives Partnership (SHIP): Housing Assistance Program

This is an existing Florida Housing program, which provides funds to local governments to produce and preserve affordable multifamily and single-family housing for very low, low-and moderate-income families. As of May 2020, Florida's governor extended the eligibility criteria to cover direct assistance to individuals impacted by the COVID-19 pandemic.

• 30 percent of the funds must be reserved for very-low-income households (up to 50 percent of AMI); an additional 30 percent must be reserved for low-income households (up to 80 percent of AMI), and the remaining funds may be reserved for households up to 140 percent of AMI.

  • Rent
  • Rent arrearages
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
Accepting Applicants
Hawaii Housing Finance and Development CorporationRent Relief and Housing Assistance Program

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 100 percent of AMI.
• Must provide documentation showing COVID-19-related adverse impact on income.
• Must be 18 years or older.
• Must not be receiving federal or state rent subsidies.
• Lease agreements must not be between immediate family members.

  • Rent
  • Rent arrearages
  • Mortgage (may include principal and interest)
  • Other
Accepting Applicants
Idaho Housing and Finance AssociationHousing Preservation Program

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Must be at or below 80 percent of AMI.
• Must owe past rent or utility or unable to pay upcoming rent or utility due to COVID-19 related circumstances.
• Must be an Idaho resident and legally residing in the US.
• Must not receive a federal rental assistance payment or subsidy (does not include income-based properties).
• Lease agreements must not be between immediate family members.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Late fees
  • Mobile Home Lot Rent
  • Utilities
Accepting Applicants
Illinois Housing Development AuthorityEmergency Mortgage Assistance (EMA)

A new program established to provide financial relief for homeowners who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 120 percent of AMI prior to March 1, 2020.
• An adult member of household had a loss of income due to COVID-19 on or after March 1, 2020.
• Must reside in a property consisting of no more than two units, whose mortgage was current as of February 29, 2020, and the balance for which does not exceed $425,000.
• Must be for a first lien mortgage on a primary residence.
• The home mortgage lender must be willing to accept payments on mortgages that are delinquent or in active forbearance beginning on or after March 1, 2020.
• Must not have received other forms of COVID-19-related mortgage assistance.

  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Mortgage insurance
Closed to New Applicants
Illinois Housing Development AuthorityEmergency Rental Assistance (ERA)

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 80 percent of AMI prior to March 1, 2020.
• Households that are unable to pay rent beginning on March 1, 2020.
• An adult member of household had a loss of income due to COVID-19 on or after March 1, 2020.
• Must have a current written lease agreement.
• Must not be a recipient of rental assistance such as Section 8.
• Must not have received other forms of COVID-19-related rental assistance.
• Landlord must submit their information during the application period, and waive all late fees and penalties.

  • Rent
  • Rent arrearages
Closed to New Applicants
Indiana Housing and Community Development AuthorityIndiana COVID-19 Rental Assistance Program

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Must provide documentation that household income, including all unemployment compensation, decreased due to job layoff, furlough, or reduced work hours beginning on March 6, 2020, due to COVID-19.
• Must not have received other forms of COVID-19-related rental assistance.
• Must not be a recipient of rental assistance such as Section 8.

  • Rent
  • Rent arrearages
  • Late fees
Closed to New Applicants
Iowa Finance AuthorityCOVID-19 Iowa Eviction and Foreclosure Prevention Program

A new program established to provide financial relief for renters and homeowners who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 80 percent of the Median Family Income (MFI).
• Household must be at risk of eviction or foreclosure due to a documented COVID-19-related loss of income on or after March 17, 2020.
• Household that received the additional $600 weekly CARES Act unemployment benefits is only eligible for housing assistance for the months that they did not receive the additional unemployment benefits.
• Limited to primary residences
• Landlords must complete required certification within 10 days of application.

  • Rent
  • Rent arrearages
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Late fees
Accepting Applicants
Kentucky Housing CorporationHealthy at Home Eviction Relief Fund

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

Tenants:
• Household income for the past 30 days must be at or below 80 percent of AMI.
• Must be at risk of eviction with documentary proof such as past-due letter from landlord, pending eviction notice, etc.
• Must not be a current recipient of any other federal rental assistance, including Section 8, USDA RD rental assistance, and public housing.
• Must be requesting assistance for their primary place of residence.
• Must have a written lease; those living with family and paying rent informally are not eligible.
• May be used by owners of mobile homes for lot rent payments.
Landlord:
• Must forgive 10 percent of rent due and forgive late fees, penalties, and interest related to non-payment of rent.
• Have a current written lease or sign a lease with their tenant.
• Must agree to give 45 days’ notice for any future eviction, not to be initiated until at least 30 days after assistance concludes.

  • Rent
  • Rent arrearages
Accepting Applicants
Louisiana Housing CorporationLouisiana Emergency Rental Assistance (LERAP)

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 30 percent of AMI.
• Unable to pay rent due to COVID-19.
• Must be at risk of eviction and lack other resources to obtain permanent housing.
• Must not be a recipient of federal rental assistance such as Section 8.
• Landlord cannot be a relative.

  • Rent
  • Rent arrearages
Paused
MaineHousingCOVID-19 Rental Relief Program

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Households experiencing job lay off, business closure, reduced hours of work, having to stay home to care for children, or other loss of income due to COVID-19.
• Must be within income limits as specified for each county.
• Must not be able to pay rent from income, savings, or other liquid assets.
• Must not be a recipient of federal rental assistance such as Section 8, or live in housing financed by MaineHousing, a federal agency, or the Housing Credit.
• May be used by owners of mobile homes for lot rent payments.
• Landlord must complete required paperwork to receive funds.

  • Rent
  • Rent arrearages
Closed to New Applicants
Maryland Department of Housing and Community DevelopmentAssisted Housing Relief Program

A new program established to provide financial relief for renters in properties financed by Maryland DHCD who have experienced a loss of income resulting from the COVID-19 pandemic.

• Restricted to tenants who reside in multi-family projects financed by Maryland DHCD.
• Must not receive other forms of rental assistance programs (e.g. Housing Choice Voucher, Project-Based Rental Assistance, Section 202, Section 811, or similar)
• Must certify that loss of income is COVID-19-related.

  • Rent
  • Rent arrearages
Accepting Applicants
Maryland Department of Housing and Community DevelopmentMaryland Eviction Prevention Partnership

This program allocates federal CDBG funding to local jurisdictions to prevent evictions.

• Eligibility is limited to households with income levels at or below 80 percent of AMI.
• Additional restrictions are subject to local jurisdictions.

  • Rent
  • Rent arrearages
Accepting Applicants
Massachusetts Department of Housing and Community DevelopmentEmergency Rental and Mortgage Assistance Program (ERMA)

A new program established to provide financial relief for renters and homeowners who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be between 50 and 80 percent of AMI.

  • Rent
  • Rent arrearages
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
Accepting Applicants
Massachusetts Department of Housing and Community DevelopmentResidential Assistance for Families in Transition (RAFT) Program

A new program established to provide financial relief for renters and homeowners who have experienced a loss of income resulting from the COVID-19 pandemic.

• Household income must be at or below 50 percent of AMI, or
• Household income must be at or below 60 percent of AMI for persons at risk of homelessness because of domestic violence.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
Accepting Applicants
Michigan State Housing Development AuthorityThe Eviction Diversion Program (EDP)

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic. Tenants in eviction proceedings will be offered legal representation.

• Household income must be at or below 100 percent of AMI.
• Landlords must forgive late fees and up to 10% of the back rent.
• Must have notice to quit or eviction notice.

  • Rent
  • Rent arrearages
Accepting Applicants
Minnesota HousingCOVID-19 Housing Assistance Program (MN)

A new program established to provide financial relief for renters and homeowners who have experienced a loss of income resulting from the COVID-19 pandemic.

• Must have a household income at or below 300 percent of federal poverty guideline, with priority given to those at or below 200 percent.
• Must be past due on an expense incurred after March 1, 2020, due to COVID-19-related circumstances.
• Recipients of rental assistance programs such as Section 8 are only eligible for utility assistance.
• Must not have a federally backed mortgage.

  • Rent
  • Rent arrearages
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Mortgage insurance
  • Homeowners Insurance (may include hazard insurance)
  • Homeowner Association Fees
Accepting Applicants
Mississippi Home CorporationRental Assistance for Mississippians Program (RAMP)

A new program established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic.

• Must have been laid off or have a household income at or below 50 percent of AMI; or experiencing homelessness or currently receiving homeless assistance.

  • Rent
  • Rent arrearages
Accepting Applicants
 State Agency Program Name Program Description Eligibility Criteria Eligible Activities Program Status

The program listings on this page are provided as a free service to policy makers, state agencies, and the public at large. The information above is based solely on information provided to NCSHA by its state Housing Finance Agency and associate members and is provided “as is” without warranty of any kind. NCSHA is not responsible for inaccurate or out-of-date information and does not accept responsibility or liability for the accuracy, content, completeness, or reliability of the information contained herein. NCSHA will continue to update this page as it becomes aware of new programs or changes to information above.