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State HFA Emergency Housing Assistance 2020 Programs

This directory shows critical components of state HFA emergency rental and mortgage assistance programs administered in 2020 as part of the initial response to the COVID-19 pandemic. Most state HFAs are either in the process of or have already closed down these programs in anticipation of standing up the Emergency Rental Assistance program authorized under the Consolidated Appropriations Act of 2021. Please see this presentation for an analysis of 2020 emergency housing assistance programs or click on the program links to see additional details for each state program. Questions? Contact NCSHA.


Displaying 26 - 47 of 47

 State Agency Program Name Program Description Eligibility Criteria Eligible Activities Program Status
Nevada Housing DivisionCARES 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.

• Household income must be at or below 120 percent of AMI.
• Must provide documentation showing their inability to make monthly payments.
• Liquid resources (i.e., combined checking and/or savings account) must not exceed $3,000. Other assets that are not readily available as cash are not considered when determining eligibility.
• Must not be a recipient of rental assistance programs such as Section 8.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Late fees
  • Moving expenses
Accepting Applicants
New Hampshire Housing Finance AuthorityEmergency Housing Program

An existing program expanded 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 50 percent of the AMI.
• The household must be a New Hampshire resident.
• The household cannot be receiving federal rental assistance or living in public or publicly-subsidized housing.

  • Rent
  • Rent arrearages
Paused
New Jersey Housing and Mortgage Finance AgencySmall Landlord Emergency Grant Program

A new program established to provide financial relief to small rental property owners who have experienced a loss of income resulting from the COVID-19 pandemic.

• Up to 80 percent of AMI in accordance with HUD’s MTSP income limits.
• Must be the primary property owner of a residential rental property with three to ten total housing units for Round 1 and three to thirty for Round 2, and must not include seasonal or vacation rentals.
• Owners must forgive outstanding back rent and late fees for the units the assistance covers for the duration of the assistance.

  • Rent
  • Rent arrearages
Closed to New Applicants
New Mexico Mortgage Finance AuthorityNew Mexico Housing Trust Fund Rental Assistance Program

This is an existing program that provides flexible funding for affordable housing initiatives. A portion of NMHTF funds has been extended to provide financial relief to tenants of income-restricted properties monitored by the New Mexico Mortgage Finance Authority, 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 reside in an income-restricted property monitored by New Mexico MFA regardless of whether the unit is income-restricted as long as the household meets eligibility requirements.
• Must not be a recipient of rental assistance programs such as Section 8.
• Must be experiencing a reduction in household income due to circumstances related to the COVID-19 pandemic.

  • Rent
  • Rent arrearages
Accepting Applicants
New Mexico Mortgage Finance AuthorityMFA COVID-19 Housing Cost Assistance 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 AMI (applicants residing in tribal lands do not need to meet household income requirements to qualify for assistance).
• Must certify financial hardship related to COVID-19.
• Must have been current on housing payments as of February 28, 2020, and be able to provide documentation of past rent, mortgage, or other housing expenses
• Must not have received other forms of housing assistance for the same period.

  • Rent arrearages
  • Mortgage arrearages
  • Mobile Home Lot Rent
  • Other
Paused
New York State Homes and Community RenewalCOVID-19 Rent 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. Assistance will be prioritized for applicants with the greatest economic and social need.

• Household income must be at or below 80 percent of AMI at the time of application and prior to March 1, 2020.
• Must be paying more than 30 percent of their gross monthly income on rental payments at the time of application and prior to March 1, 2020.
• Must have had a reduction in monthly income in any month from April 2020 to July 2020.
• Must not be a recipient of rental assistance programs such as Section 8.

  • Rent arrearages
Closed to New Applicants
Ohio Housing Finance AgencyHomelessness Prevention Rapid Rehousing (HPRR)

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

• Household income must be at or below 50 percent of AMI with priority given to households with income at or below 30 percent of AMI.
• Households are to be identified through the CoC’s centralized intake process with priority given to individuals at greater risk of contracting COVID-19, e.g., seniors aged 60 and older and individuals with underlying health conditions.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Moving expenses
  • Other
In Development
Ohio Housing Finance AgencyEmergency Rental Assistance (ERA) (OH)

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

• Household income must be at or below 50 percent of AMI with priority given to households with income at or below 30 percent of AMI.
• Households must not be able to pay rent and are imminent risk of eviction.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Other
Accepting Applicants
Oregon Housing and Community ServicesCOVID-19 Rent Relief (CARES) Program

A new program using federal funds established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic and are at risk of homelessness.

• Household income must be at or below 80 percent of AMI.
• Must have had a loss of income, have compromised health status, or elevated risk of infection or vulnerability due to COVID-19 factors.
• Must be unstably housed, homeless, at imminent risk of homelessness, or fleeing domestic violence.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Late fees
  • Mobile Home Lot Rent
  • Moving expenses
  • Utilities
  • Other
Accepting Applicants
Oregon Housing and Community ServicesCOVID-19 Rent Relief Program (CVRRP)

A new program using state funds established to provide financial relief for renters who have experienced a loss of income resulting from the COVID-19 pandemic and are at risk of homelessness.

• Household income must be at or below 50 percent of AMI.
• Must have had a loss of income, have compromised health status, or elevated risk of infection or vulnerability due to COVID-19 factors.
• Must be unstably housed, homeless, at imminent risk of homelessness, or fleeing domestic violence.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Mobile Home Lot Rent
  • Utilities
  • Other
Accepting Applicants
Pennsylvania Housing Finance AgencyCARES Rent Relief Program (RRP)

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

• Household income must be at or below 100 percent of AMI.
• Must have become unemployed after March 1, 2020, or had a COVID-19-related income reduction of at least 30 percent.
• Must be past due on rent for at least 30 days.
• Must be used for rent incurred between March 1, 2020, and December 30, 2020.

  • Rent
  • Rent arrearages
Accepting Applicants
Pennsylvania Housing Finance AgencyPandemic Mortgage Assistance Program (PMAP)

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

• Homeowner income must be at or below 100 percent of AMI.
• Must be owner-occupant of a dwelling of one or two separate units.
• Must have become unemployed after March 1, 2020, or had a COVID-19-related income reduction of at least 30 percent.
• Must be used for mortgage payments incurred between March 1, 2020, and December 30, 2020.

  • Mortgage (may include principal and interest)
  • Mortgage arrearages
Accepting Applicants
Rhode Island HousingCOVID-19 Mortgage Payment Assistance Unemployment Program

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

• One to two-adult (anyone over age 23) household income must be at or below $97,646.
• Three or more-adult (anyone over age 23) household income must be at or below $112,293.
• Must be the property owner of a one-to four-family property or condominium that is used as a primary residence.
• Must be currently or previously unemployed or underemployed due to the pandemic and be receiving or had previously received unemployment compensation beginning on March 1, 2020.
• Must have been current on their mortgage payment as of March 1, 2020, have an original mortgage balance no greater than $820,500, and possess less than $20,000 in non-retirement, liquid assets. Examples include non-retirement, liquid assets such as bank accounts, stocks, bonds, investments, and cash value of life insurance.

  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Mortgage insurance
  • Homeowner Association Fees
  • Property Tax
Accepting Applicants
Rhode Island HousingHomeSafe Program (HSP or the Program)

A previously existing program to provide relief for renters and homeowners experiencing a temporary housing crisis, which may or may not be COVID-19 related.

• Must be a state resident for no less than one year, or a lesser period in the case of a household fleeing domestic violence.
• Household must be at or below 50 percent of statewide median income limit.
• Must have a documented temporary emergency housing crisis. For more information on the definition of a temporary emergency housing crisis, see the link to the program description.

  • Rent arrearages
  • Mortgage arrearages
  • Late fees
  • Moving expenses
  • Utilities
In Development
Rhode Island HousingHousingHelpRI

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

• Household income must be at or below 80 percent of AMI prior to the COVID-19-related loss of income.
• Household must have experienced financial hardship due to COVID-19 (self-attested).
• Household must not have received assistance through other rental assistance programs for the same months covered by HousingHelpRI.

  • Rent
  • Rent arrearages
  • Late fees
  • Moving expenses
Closed to New Applicants
South Carolina State Housing Finance and Development AuthorityCOVID-19 Rental Assistance Program

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

• Household income must be at or below 80 percent of AMI.
• Must have a COVID-19-related loss of income beginning March 10, 2020 or later.
• Must be past due on rent.
• Must not be a recipient of rental assistance programs such as Section 8.

  • Rent arrearages
Closed to New Applicants
South Dakota Housing Development AuthoritySD CARES Housing Assistance Program: Temporary Rental, Mortgage or Utility Assistance

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 115 percent of AMI.
• Must be at risk of losing their housing or demonstrate that the COVID pandemic has had an adverse impact on their employment, income, or monthly expenses (i.e., medical).
• Must be unable to pay their rental, mortgage, or homeowner/mortgage insurance payments beginning on March 1, 2020, or demonstrate their inability to make payments going forward.
• Must be legally authorized to be in the United States.
• Participants of any other mortgage assistance or forbearance program are not eligible until the expiration of the assistance or forbearance period.
• Must not be a current recipient of other federal rental assistance. Does not apply to Housing Credit properties without a rental subsidy.
• Landlord cannot be a relative.

  • Rent
  • Rent arrearages
  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Mortgage insurance
  • Homeowners Insurance (may include hazard insurance)
  • Late fees
  • Mobile Home Lot Rent
  • Utilities
  • Other
Closed to New Applicants
Texas Department of Housing and Community AffairsCOVID-19 Tenant-Based Rental Assistance

An existing program that was expanded 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.
• Household must have experienced a loss of income of at least 20 percent; had increased household costs of at least 20 percent beginning March 13, 2020, due to school closures or medical expenses; or had both a loss of household income and increased household costs due to school closures or medical expenses, for a loss of income that is at least 20 percent.

  • Rent
  • Move-in Fees (including security deposit, background checks, etc.)
  • Utilities
Accepting Applicants
Texas Department of Housing and Community AffairsTexas Eviction Diversion Program (TEDP) (Pilot Program)

A new pilot program in 19 counties established to provide financial relief for renters who have experienced a loss of income and are in eviction proceedings due to circumstances related to the COVID-19 pandemic. The program will be expanded statewide in January 2021.

• Household income must be at or below 200 percent of the Federal poverty level.
• Must have experienced a loss of income or increased household costs due to school closures or medical expenses attributed to COVID-19.
• Must be past due on rent and is at imminent risk of eviction due to the COVID-19 pandemic.
• Must be in eviction court proceedings and have full cooperation from the landlord.
• Must not be a recipient of any other rental assistance program for the same months of emergency assistance.
• The landlord must forgive outstanding late fees and penalties, and cannot pass court costs to the tenant.
• Rent cannot exceed 150 percent of Fair Market Rent (FMR).

  • Rent
  • Rent arrearages
  • Late fees
Accepting Applicants
Vermont Housing Finance AgencyVermont COVID Emergency Mortgage Assistance Program

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

• Household incomes in the last 90 days must be no more than $21,000 ($24,000 in Chittenden County).
• The program is limited to primary home mortgages.
• Mortgages must have been entered into prior to March 1, 2020.
• Must have missed one or more payments due to COVID-19.

  • Mortgage (may include principal and interest)
  • Mortgage arrearages
  • Mortgage insurance
  • Homeowners Insurance (may include hazard insurance)
  • Property Tax
Closed to New Applicants
Virginia HousingVirginia Rent and Mortgage Relief Program

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

• Household income must be at or below 80 percent of AMI.
• Must have had a COVID-19-related loss of income.
• Must have a valid lease.
• Total rent payment must be at or below 150 percent of fair market rent.
• Must not be a recipient of rental assistance programs such as Section 8.

  • Rent
  • Rent arrearages
Accepting Applicants
Wyoming Community Development AuthorityWyoming Mortgage and Rent Protection Program

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

• Household must earn no more than $20,833 per month.
• Must have had a COVID-19-related loss of income.
• Must not be a recipient of rental assistance programs such as Section 8.

  • Rent
  • Rent arrearages
  • Move-in Fees (including security deposit, background checks, etc.)
  • Mortgage (may include principal and interest)
  • Homeowners Insurance (may include hazard insurance)
  • Mobile Home Lot Rent
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.