State HFA Emergency Housing Assistance Matrix

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

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

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
• Utilities

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

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 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

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 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

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

Please review details at https://ms-ramp.com/

• Rent
• Rent arrearages
• Utilities

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