State HFA Emergency Housing Assistance Matrix

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

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

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

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

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

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

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

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)

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.

• Households experiencing a loss of income must provide documentation showing decreased income.
• Must not be a recipient of rental assistance programs such as Section 8.

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

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
• Property Tax

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

A previously existing program, which provides funds to local governments to assist renters and homeowners who have experienced a loss of income resulting from the COVID-19 pandemic.

Subject to local program policy.

• Rent
• Rent arrearages
• Mortgage (may include principal and interest)
• Mortgage arrearages

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