Eviction, Mortgage, & Foreclosure Relief During COVID-19: 50-State Legal Resources

The coronavirus pandemic has led to widespread public health and economic impacts. As a result of shelter in place orders, quarantines, illnesses, school closures, and other factors related to COVID-19, many people throughout the US lost work. This resulted not only in record numbers of unemployment claims but also in possible housing insecurity for millions due to loss of income. Responses to this potential housing crisis included federal measures and moratoria at the state level. Most of these protections are close to expiring or have already expired, but many states are now offering rent and mortgage payment assistance programs, bolstered by federal aid. Some local governments also enacted protections.

In addition, tenants and homeowners who foresee difficulty with paying their rent or mortgage due to the coronavirus outbreak may be able to negotiate reduced or delayed payments with their landlords or lenders. For homeowners who don’t have access to any government mortgage assistance or foreclosure relief, the American Bankers Association has compiled a list of COVID-19 responses that banks across the country have announced. Utilities can also take the Federal Communications Commission (FCC) Keep Americans Connected Pledge, and customers can check the FCC website to see if their service providers have signed on.

Click on a state below to learn more about its measures to protect renters and homeowners during the coronavirus pandemic.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• District of Columbia
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Alabama

• Eviction Protections: The Emergency Rental Assistance program can help tenants who meet income and other limitations cover up to 15 months of certain costs. These include rental arrears dating back to March 13, 2020 and up to three months of future rent. If funds remain available, a tenant can reapply for successive three-month periods of assistance beyond the initial three-month coverage of future rent, although the total still cannot exceed 15 months. A tenant may apply regardless of whether the landlord participates in the program. Certain cities and counties operate separate but parallel rental assistance programs.
• Utility Shutoff Protections: The Emergency Rental Assistance program mentioned above can help qualifying consumers cover up to 15 months of certain utility costs. These include water, sewer, trash, power, internet, and home energy costs, but not telephone, cable, or satellite television costs.
• Mortgage/Foreclosure Relief: A Mortgage Assistance Alabama program is planned to start in early 2022, using federal funds.

Alaska

• Eviction Protections: The application period for the Alaska Housing Rent Relief program closed on October 1, 2021. Tenants can sign up to receive announcements about future rent relief funds.
• Utility Shutoff Protections: No state protections, but many electric, gas, water, and wastewater utilities are offering flexible payment options, which may include payment plans and deferral arrangements.
• Mortgage/Foreclosure Relief: Homeowners can sign up for announcements about future mortgage relief programs, such as the Alaska Homeowner Assistance Fund.

Arizona

• Eviction Protections: The Arizona Emergency Rental Assistance Program (ERAP) allows landlords and tenants in 12 counties to apply for rent and utility relief. An eligible household can receive up to $3,500 per month in combined rent and utility assistance. Assistance is available for up to 18 months, which is a combined total of partial and full past due, current, and future months. Maricopa, Pima, and Yuma Counties, as well as Phoenix, Tucson, and certain other cities, are offering separate but parallel programs.
• Utility Shutoff Protections: The Emergency Rental Assistance Program mentioned above may help with utility payments. Renters in all 15 Arizona counties who are interested only in utility assistance still can apply for ERAP. Meanwhile, the Arizona Department of Economic Security is partnering with local Community Action Programs (CAPs) to offer the Low-Income Home Energy Assistance Program (LIHEAP). This is a federally funded program that helps low-income households pay heating or cooling bills and make energy costs more affordable. LIHEAP may provide assistance with current and past due energy bills and utility deposits.
• Mortgage/Foreclosure Relief: The Arizona Homeowner Assistance Fund provides assistance to prevent homeowner mortgage delinquencies and defaults, mortgage foreclosures, loss of utilities or home energy services, and displacement related to financial hardships caused by COVID-19.

Arkansas

• Eviction Protections: Arkansas offers a Fresh Start rental assistance program for tenants who have fallen behind on their rent due to COVID-19. Eligible tenants can receive up to 2.5 months of rent. Payments must be made directly to landlords. The program is administered through Community Action Agencies, each of which serves certain counties. Meanwhile, the Arkansas Rent Relief Program has allocated $173 million in federal funds to pay overdue and upcoming rent and utilities for Arkansas renters who have suffered financial hardships due to the pandemic. This program covers overdue rent and 5 percent of late fees going back to April 2020. Renters can apply for up to three months of future rent at a time. A total of 15 months of rent may be covered. (Two counties offer separate rental assistance programs.) Finally, the Arkansas Department of Human Services has partnered with community organizations to distribute Emergency Solutions Grant funds to Arkansas residents who are homeless or at risk for homelessness due to the pandemic. Applicants must go through county organizations.
• Utility Shutoff Protections: The Arkansas Public Service Commission ended its utility disconnection moratorium. Utilities were required to inform customers about the process of phasing in disconnections and give customers time to seek assistance from a Community Action Agency or similar organization. All customers who owed utility payments when the moratorium began or during the moratorium were entitled to receive COVID-19-related delayed payment agreements for at least 18 months. Moreover, assistance with utility payments may be available through the Arkansas Rent Relief Program described above.
• Mortgage/Foreclosure Relief: The Arkansas Development Finance Authority within the Department of Commerce will administer the Arkansas Homeowner Assistance Fund to help homeowners with low or moderate incomes who have been affected by COVID-19 catch up with mortgage and utility payments and other housing costs. A plan has been submitted for this program and is awaiting federal approval.

California

• Eviction Protections: The California Rent Relief Program covers 100 percent of a tenant’s past due rent and utilities going back to April 2020. A landlord must apply for rental assistance before trying to evict a tenant through the courts for failing to pay rent. A tenant should apply for rental assistance within 15 business days of receiving a pay or quit notice, or within 15 business days of receiving a notice from the COVID-19 Rent Relief program that their landlord has started an application for them. Landlords may sue tenants for any unpaid rent that they owe. Local government eviction ordinances may not defer rent obligations beyond May 31, 2023.
• Utility Shutoff Protections: The California Arrearage Payment Program (CAPP) offers financial assistance to help reduce past due energy bill balances that increased during the COVID-19 pandemic. Customers do not need to apply but instead will receive an automatic credit to their bill if they are eligible. Utilities will apply on behalf of customers who incurred a past due balance of 60 days or more between March 4, 2020 and June 15, 2021. A moratorium on disconnections for non-payment and late fees for voice telephony services extends through February 15, 2022. Electric and natural gas utilities are implementing Percentage of Income Payment Plan (PIPP) pilot programs in which customers will have their natural gas and electricity bills capped at four percent of their household’s monthly income.
• Mortgage/Foreclosure Relief: The California Mortgage Relief Program is available to people meeting income and other requirements who have experienced pandemic-related hardships and have fallen behind on their housing payments. An applicant must be receiving public assistance, be severely housing burdened, or have no alternative mortgage workout options through their mortgage servicer. The pandemic-related financial hardship must have occurred between January 21, 2020 and December 27, 2021.

Colorado

• Eviction Protections: The Emergency Housing Assistance Program assists with rent payments for people who have been unable to pay rent due to financial hardships caused by COVID-19. Assistance covers past due, current, and two additional months of rent, applied to rent as far back as April 2020. Up to 15 months of assistance are available. Both the tenant and the landlord must provide documentation.
• Utility Shutoff Protections: The Colorado Public Utilities Commission has worked with public utilities to develop and provide payment assistance programs. A spreadsheet provided below lists the measures taken by each utility in response to this directive.
• Mortgage/Foreclosure Relief: The Emergency Mortgage Assistance Program provides assistance to income-eligible homeowners who have experienced a financial hardship related to COVID-19 after January 21, 2020. They must own and occupy a primary residence in Colorado.

Connecticut

• Eviction Protections: The UniteCT program provided by the Connecticut Department of Housing provides up to $15,000 in rental and electricity payment assistance to Connecticut households who have been financially affected by the COVID-19 pandemic. A landlord must complete their part of a UniteCT application before delivering a notice to quit for non-payment of rent to a tenant. Most eviction proceedings must be stayed when a landlord or tenant files a UniteCT application. The stay will last for 30 days or until a decision is reached on the application, whichever is sooner.
• Utility Shutoff Protections: The UniteCT program discussed above provides electricity payment assistance.
• Mortgage/Foreclosure Relief: The Connecticut Housing Finance Authority offers an Emergency Mortgage Assistance Program. This is a 30-year, fixed-rate loan for eligible homeowners who are having trouble making their mortgage payments, not necessarily for reasons related to COVID-19. Meanwhile, the Connecticut Housing Finance Authority will operate the MyHomeCT program to prevent mortgage delinquencies, defaults, and foreclosures among eligible homeowners affected by the COVID-19 pandemic. This program also will provide assistance for certain non-mortgage expenses, such as condominium or homeowners’ association fees. Homeowners can register to be notified when the program will begin accepting applications.

Delaware

• Eviction Protections: The Delaware Housing Assistance Program is providing assistance with rental arrears from April 2020 and later, as well as three months of prospective rent. Assistance is available for a maximum of 15 months and $2,000 per month. Utilities due to the landlord, late fees, and court fees also may be covered (subject to the $2,000 per month maximum).
• Utility Shutoff Protections: The Housing Assistance Program above may cover certain utilities payments.
• Mortgage/Foreclosure Relief: The Delaware State Housing Authority urges homeowners who are struggling to keep up with their mortgages to contact their mortgage servicers to explore their options, such as forbearance, refinancing, or payment deferral. They can also contact a housing counseling agency for advice and sign up for Delaware Mortgage Assistance Program updates.

District of Columbia

• Eviction Protections: The DC Emergency Rental Assistance Program provides financial assistance to renters who fall below a certain income threshold. This includes funding for overdue rent, late fees, security deposits, and the first month’s rent for residents moving into new apartments. A tenant can apply for and receive ERAP once in each 12-month period.
• Utility Shutoff Protections: The DC Department of Energy & Environment provides a list of utility affordability programs, which may involve financial assistance, discounts, and energy efficiency programs.
• Mortgage/Foreclosure Relief: Through the DC Mortgage Assistance Program (MAP) COVID-19, eligible homeowners can access financial assistance of up to $5,000 per month for up to six months. Also, the DC Department of Housing and Community Development has launched a Homeowner Assistance Fund pilot program, which assists homeowners facing financial troubles due to the pandemic if they meet certain income criteria and other requirements.

Florida

• Eviction Protections: The Florida Department of Children and Families is managing the OUR Florida emergency rental assistance program, which is supported by federal funds. Eligible renters may receive up to 15 months of rent and utility payments, including 12 months of past due payments and three months of future payments.
• Utility Shutoff Protections: Customers should check with their local providers and can apply for the OUR Florida program above.
• Mortgage/Foreclosure Relief: The Florida Department of Economic Opportunity is awaiting federal approval of its plan for a Homeowner Assistance Fund. A homeowner can ask their mortgage lender or servicer about their options. Income-qualified individuals may be eligible for assistance through the Community Services Block Grant, the Low-Income Home Energy Assistance Program, and the Weatherization Assistance Program.

Georgia

• Eviction Protections: The Georgia Rental Assistance Program can provide up to 18 months of rental and utility assistance to people who fell behind on payments as of March 13, 2020 and who meet income and other requirements. Payments are made directly to landlords and service providers on behalf of tenants.
• Utility Shutoff Protections: Customers can use the Georgia Rental Assistance Program mentioned above and check the Georgia Public Service Commission list of utility assistance programs. Many utilities are offering payment plans to qualifying customers, while civic groups, charitable organizations, and churches may offer further assistance.
• Mortgage/Foreclosure Relief: The Georgia Mortgage Assistance Program, managed by the Department of Community Affairs, will create an online application for homeowners to receive funding. Homeowners can register to receive updates on the upcoming program, while homeowners who need immediate assistance should work with their servicers or consult HUD-approved counselors.

Hawaii

• Eviction Protections: The Department of Hawaiian Home Lands Rent Relief Program is offering rental assistance to qualifying native Hawaiians for up to 12 months, including back rent starting from March 13, 2020, if they can provide documentation of a financial hardship due to COVID-19.
• Utility Shutoff Protections: Assistance with electric, gas, water, and other utility payments, including back payments starting from March 13, 2020, may be available through the DHHL Rent Relief Program discussed above. Customers should check with their local providers for additional details or relief that may be available.
• Mortgage/Foreclosure Relief: Federal funds for mortgage relief will be distributed through the Homeowner Assistance Fund. Grants are available to assist homeowners through a pilot project on Hawaii Island and Kauai to prevent mortgage delinquencies, defaults, and foreclosures. The main program is projected to open in early 2022.

Idaho

• Eviction Protections: A new state law requires landlords to provide 30 days’ notice before raising rent or not renewing a lease. Rental assistance may be available through the Housing Preservation Program of the Idaho Housing and Finance Association to qualifying tenants who are unable to pay rent because of the COVID-19 pandemic. The assistance available will depend on the circumstances of the specific household but will not exceed a total of 15 months. (Ada County residents must apply separately.) Ada County residents may be able to negotiate an agreement through an online portal to resolve an eviction for non-payment of rent.
• Utility Shutoff Protections: The Idaho Public Utilities Commission has published a list of potential utility payment assistance resources, organized by county. Additionally, the Housing Preservation Program discussed above provides utility payment assistance for qualifying customers who are unable to pay utilities bills because of the COVID-19 pandemic. The assistance available will depend on the circumstances of the specific household but will not exceed a total of 15 months.
• Mortgage/Foreclosure Relief: COVID-19 special forbearance plans may be available to qualifying homeowners with Idaho Housing loans (HomeLoanServ borrowers) through the Idaho Housing and Finance Association. A plan delays the requirement to pay a monthly mortgage payment from six months to 12 months. Negative credit reporting, late fees, and foreclosures are suspended during that period. Special COVID-19 mortgage payment assistance also may be available for residents of Boise and Meridian.

Illinois

• Eviction Protections: The Illinois Rental Payment Program provides assistance for up to 18 months of emergency rental payments, including up to 15 months of missed rent payments and up to three months of future rent payments. Funds may cover rent owed from June 2020 through April 2022. Combined assistance may not exceed $25,000. Tenants must meet income and other requirements. The Homeless Prevention Program and the Emergency and Transitional Housing Program also may provide assistance to qualifying individuals, in addition to the Help Illinois Families initiative.
• Utility Shutoff Protections: Utility companies may offer bill payment assistance programs and extended deferred payment arrangements. Moreover, the Illinois Commerce Commission has reached a series of consumer protection agreements with the largest public utilities in the state. When sending notices of disconnection, these utilities must notify customers that they may be eligible for a deferred payment arrangement. Further assistance may be available through the Help Illinois Families initiative.
• Mortgage/Foreclosure Relief: The Illinois Homeowner Assistance Fund will open in the spring of 2022, supporting Illinois homeowners who have struggled to pay their mortgages due to the COVID-19 pandemic. Approved applicants will receive up to $30,000 in assistance.

Indiana

• Eviction Protections: The Indiana Emergency Rental Assistance Program provides up to 15 months in rental assistance for past due and ongoing monthly rent and utility payments for qualifying renters. However, people living in Hamilton, Lake, Marion, and St. Joseph Counties, as well as the city of Fort Wayne, are not eligible for this program and instead must apply for rental assistance through their local government.
• Utility Shutoff Protections: Qualifying customers can apply for assistance through the Emergency Rental Assistance Program discussed above.
• Mortgage/Foreclosure Relief: Indiana is developing a Homeowner Assistance Fund to help homeowners who were negatively affected by COVID-19, but the program is awaiting federal approval and is not yet accepting applications.

Iowa

• Eviction Protections: The Iowa Rent and Utility Assistance Program provides up to 12 months of combined assistance to eligible Iowa residents. Assistance is available for payments of costs incurred no earlier than March 13, 2020, but assistance with future payments is not available. Residents of Des Moines and Polk and Linn Counties must pursue assistance through separate programs.
• Utility Shutoff Protections: Customers may be eligible for assistance with electricity, gas, propane or fuel oil, water, sewer, and trash removal payments through the Rent and Utility Assistance Program discussed above.
• Mortgage/Foreclosure Relief: The Iowa Homeowner Foreclosure Prevention Program has closed, but the Iowa Homeowner Assistance Fund will start providing foreclosure prevention assistance for homeowners affected by COVID-19 in early 2022.

Kansas

• Eviction Protections: The Kansas Emergency Rental Assistance program is distributing assistance for rent, utility, and internet payments to households experiencing financial hardships due to the COVID-19 pandemic. Assistance covers up to 15 months of current and past due rent, as well as up to three months of prospective rent at a time. Meanwhile, the Tenant Based Rental Assistance program provides funds to people who are struggling with rent, security deposits, and utility deposits.
• Utility Shutoff Protections: The Kansas Corporation Commission issued an order mandating (at a minimum) that all utilities under its jurisdiction offer payment plans of up to 12 months and waive late fees through the end of the coronavirus pandemic for residential and small commercial customers affected by COVID-19. Also, the Emergency Rental Assistance program described above provides assistance with past due residential utility or home energy expenses to households experiencing financial hardships due to the COVID-19 pandemic. Finally, the Tenant Based Rental Assistance program mentioned above may provide utility deposit assistance.
• Mortgage/Foreclosure Relief: The Kansas Homeowner Assistance Fund is expected to launch in the first quarter of 2022, helping eligible Kansas households financially affected by the pandemic get current on their mortgages and avoid foreclosure. Assistance will cover mortgages, property taxes, homeowners’ insurance, and energy costs.

Kentucky

• Eviction Protections: The Kentucky Healthy at Home Eviction Relief Fund provides assistance with up to 12 months of past due rent owed since April 1, 2020, as well as three months of future rent. (Residents of Fayette and Jefferson Counties must apply through separate but parallel programs.)
• Utility Shutoff Protections: Some utilities are voluntarily suspending shutoffs based on non-payment. Meanwhile, the Healthy at Home Eviction Relief Fund discussed above provides assistance with up to 12 months of past due utilities owed since April 1, 2020, as well as three months of future utilities.
• Mortgage/Foreclosure Relief: The Kentucky Homeownership Protection Center provides resources that may help homeowners. People can sign up to be notified when the Kentucky Homeowner Assistance Fund becomes available to provide assistance with mortgage payments, property taxes and insurance, homeowners’ association fees, and utility assistance. (This program is awaiting federal approval.)

Louisiana

• Eviction Protections: The Louisiana Emergency Rental Assistance Program provides assistance to both renters and landlords based on COVID-19 financial hardships. Assistance covers past due rent dating as far back as April 2020, as well as up to three months of future rent, up to a maximum of 15 total months. (People in seven parishes must apply directly to a program in their parish.)
• Utility Shutoff Protections: The Louisiana Housing Corporation offers a Low-Income Home Energy Assistance Program to help with energy bills. The Louisiana Emergency Rental Assistance Program may provide utility assistance to renter applicants with past due and current utilities and home energy costs for up to 15 months total.
• Mortgage/Foreclosure Relief: The Louisiana Homeowner Assistance Fund provides assistance to homeowners financially affected by COVID-19 who are behind on their mortgages and at risk of foreclosure. The program will provide reinstatement payments and payments over time for mortgage loans in forbearance, delinquent loans not in forbearance, and loans in foreclosure. Up to $25,000 is available per eligible homeowner.

Maine

• Eviction Protections: Maine’s COVID-19 Rental Relief Program provides assistance to people who had financial trouble during the pandemic. The program may cover rent owed back to March 13, 2020, as well as up to three months of upcoming rent at one time.
• Utility Shutoff Protections: The COVID-19 Rental Relief Program may also cover payments related to electricity, water, sewer, trash, heat, and internet bills owed back to March 13, 2020. The Maine Public Utilities Commission provides a list of additional programs that may provide assistance.
• Mortgage/Foreclosure Relief: The Maine Homeowner Assistance Fund will be opened no earlier than February 2022. A homeowner seeking assistance with overdue mortgage payments through this program must demonstrate that they have applied for loss mitigation programs from their lender or servicer. People can sign up to receive updates about its progress.

Maryland

• Eviction Protections: The Maryland Emergency Rental Assistance Program provides assistance with current or past due payments to people whose ability to pay rent has been affected by COVID-19. Funds are being provided directly to local jurisdictions through the Maryland Eviction Partnership Program and to property management on behalf of tenants in affordable rental properties that received federal or state financing through the Assisted Housing Relief Program.
• Utility Shutoff Protections: Utilities must offer a minimum payment plan of 12 months (24 months in some cases). On June 15, 2021, the Public Service Commission provided grants to electric and gas utilities to be applied to some residential customer bill arrearages. Specific Maryland counties are offering utility assistance.
• Mortgage/Foreclosure Relief: The Maryland Homeowners Assistance Fund provides assistance with mortgage relief, weatherization, housing counseling, and legal services to homeowners experiencing financial hardships after January 21, 2020 due to the COVID-19 pandemic. People who are not eligible for this assistance should connect with housing counseling and legal services.

Massachusetts

• Eviction Protections: The Massachusetts Emergency Rental Assistance Program provides people who have suffered a COVID-related financial hardship with up to 18 months of help with overdue or future rent, or both, as well as help with utility costs. People who do not qualify for this program may qualify for Residential Assistance for Families in Transition (RAFT), which provides up to $10,000 for overdue or future rent or utility costs to income-eligible households. There is one application for both programs. (The city of Boston provides a separate federally funded program.) Finally, the Subsidized Housing Emergency Rental Assistance (SHERA) program allows qualified owners of affordable housing properties to apply for emergency rental assistance on behalf of multiple residents in a single application.
• Utility Shutoff Protections: The Massachusetts Department of Public Utilities provides resources for customers who have been affected by COVID-19. ERAP and RAFT may provide assistance with utility payments.
• Mortgage/Foreclosure Relief: The Massachusetts Homeowner Assistance Fund provides financial assistance to eligible homeowners who have missed at least three home mortgage payments due to a COVID-related impact to their finances on or after January 21, 2020. The Massachusetts Division of Banks may be able to help people who are facing an imminent foreclosure within seven days.

Michigan

• Eviction Protections: The state offers COVID Emergency Rental Assistance (CERA), which provides up to 13 or 15 months of rental assistance, depending on the tenant’s income. A tenant may apply for an additional three months of rental assistance if this does not exceed the 13- or 15-month maximum.
• Utility Shutoff Protections: Households that are eligible for CERA can receive utility assistance for tenant-supplied electricity, home heating, water, sewer, and trash. CERA also provides an internet stipend.
• Mortgage/Foreclosure Relief: The Michigan Homeowner Assistance Fund (MIHAF) is expected to launch in early 2022, and homeowners can sign up to be notified. The Michigan Department of Health and Human Services offers homeowners up to $2,000 in emergency assistance with mortgage payments, property taxes, and other housing-related items. Certain financial institutions have joined a MiMortgage Relief Partnership, pledging to offer a 90-day grace period on mortgage payments to borrowers affected by COVID-19. Participating institutions will also waive mortgage-related late fees and charges and forego new foreclosures for 90 days.

Minnesota

• Eviction Protections: All eviction protections have been lifted except for eligible renters with pending COVID-19 rental assistance applications. All protections will be lifted on June 1, 2022. Minnesota residents may be eligible for up to 18 months of total assistance with rent and utility bills dated on or after March 13, 2020 through RentHelpMN. (For now, the program is focusing on tenants who owe back rent.) Some Minnesota counties offer short-term rental assistance.
• Utility Shutoff Protections: The state Cold Weather Rule protects residential utility customers from having electric or natural gas service shut off between October 1 and April 30. Customers of regulated utilities will not be disconnected or charged fees through April 30, 2022 if they make a payment arrangement with their utility and stay up to date with it. People may be eligible for utility assistance through the Energy Assistance Program (EAP) or the RentHelpMN program discussed above. Customers of regulated utilities with pending or approved applications for either of these programs will not be disconnected through April 30, 2022. Some utilities offer their own electricity and gas affordability programs. Customers of unregulated utilities should ask to arrange a payment plan.
• Mortgage/Foreclosure Relief: The HomeHelpMN COVID-19 Homeowner Assistance Fund awaits federal approval, but homeowners can explore loss mitigation solutions with lenders, contact housing counselors, and consider applying for the Energy Assistance Program.

Mississippi

• Eviction Protections: Tenants and landlords may apply for assistance through the Rental Assistance for Mississippians Program (RAMP). Eligible households who have experienced a financial hardship due to COVID-19 may receive up to 15 months of assistance to make rent and utility payments current.
• Utility Shutoff Protections: Customers can contact their providers to set up a payment plan if they are struggling to pay their utility bills. The RAMP program may also provide utility assistance.
• Mortgage/Foreclosure Relief: The Mississippi Home Saver Plus Program provides financial assistance to mortgage providers for reinstatement up to $50,000 for eligible homeowners who suffered hardships due to the pandemic. This is a one-time payment to bring the loan current and eliminate or reduce past due payments on the mortgage. Reinstatement will include up to three months of mortgage payment assistance.

Missouri

• Eviction Protections: The Missouri State Assistance for Housing Relief (SAFHR) for Renters program provides rent and utility assistance for people affected by the COVID-19 pandemic. This can cover up to 12 months of rent and utilities for qualifying renters.
• Utility Shutoff Protections: Disconnection and customer assistance policies vary by utility. The Missouri Public Service Commission provides resources and suggestions for assistance with utility payments. People who cannot pay their bills should contact their utility providers promptly. Assistance also may be available through SAFHR.
• Mortgage/Foreclosure Relief: Missouri SAFHR for Homeowners is awaiting federal approval and is expected to open during the winter of 2021-22. Until the program launches, a homeowner can ask their loan servicer about forbearance options and discuss their situation with a mortgage assistance counseling agency.

Montana

• Eviction Protections: Montana’s Emergency Rental Assistance program provides assistance with past due rent and future rent, up to a $2,200 monthly maximum. Rental late fees may be covered as well.
• Utility Shutoff Protections: The Emergency Rental Assistance program may also provide help with past due and future utility bills, up to a $300 monthly maximum.
• Mortgage/Foreclosure Relief: The Montana Homeowner Assistance Fund, which is awaiting federal approval, is expected to assist homeowners with mortgage reinstatement, lien prevention, utility costs, and internet service.

Nebraska

• Eviction Protections: The Nebraska Emergency Rental Assistance (ERA) Program is distributing rent and utility assistance for qualifying individuals unable to pay due to the pandemic. Assistance covers up to 12 months of back rent (no earlier than April 1, 2020) and up to three months of future rent. An applicant can pursue additional assistance after the approval of their initial application, but they cannot receive more than 15 months of assistance in total. This program is not available for Lancaster County, Douglas County, the City of Lincoln, or the City of Omaha, which are administering their own programs.
• Utility Shutoff Protections: The Nebraska Public Service Commission website contains a list of telecommunications companies that have agreed to take the Keep Nebraskans Connected Pledge and support low-income residents, including by providing them with free or near-free services. The ERA Program may provide assistance to qualifying individuals with electricity, gas, water, sewer, trash, and energy costs.
• Mortgage/Foreclosure Relief: The Nebraska Homeowner Assistance Fund will launch soon, providing eligible homeowners with assistance with mortgage payments, past due real estate taxes, homeowners’ or flood insurance, and homeownership association dues.

Nevada

• Eviction Protections: Courts may delay evictions for up to 30 days, during which landlords and tenants can engage in mediation or other forms of alternative dispute resolution. The Nevada CARES Housing Assistance Program helps Nevada residents who are struggling to pay rent due to the COVID-19 pandemic. There are three branches of this program, covering Clark County, Washoe County, and all other counties.
• Utility Shutoff Protections: Consumers should check with their utilities regarding coronavirus-related programs and policies. The Nevada Public Utilities Commission website contains links to specific COVID-19 utility updates.
• Mortgage/Foreclosure Relief: The Nevada Homeowner Assistance Fund will provide unemployment mortgage assistance to unemployed homeowners who need help with their monthly mortgage payments. It also will provide a mortgage reinstatement program to help homeowners catch up on delinquent payments or payments in forbearance.

New Hampshire

• Eviction Protections: The New Hampshire Emergency Rental Assistance Program provides eligible individuals with up to 15 months of past due and future rent payments, including late fees and legal fees, back to April 1, 2020.
• Utility Shutoff Protections: People who cannot pay their utility bills should ask for a payment arrangement from their utility company. Payment plans may last for as long as 24 months if a customer is experiencing a financial hardship. Electric or gas utilities may not disconnect service between November 15 and March 31 in certain situations. The Emergency Rental Assistance Program provides help with past due and future utilities and home heating costs, back to March 13, 2020. Towns and local community action agencies also may provide assistance.
• Mortgage/Foreclosure Relief: The New Hampshire Homeowner Assistance Fund plans to start accepting applications in early 2022. It will include mortgage loan reinstatement, property charges default resolution, and utility and internet payment assistance.

New Jersey

• Eviction Protections: Renters with incomes below 120 percent of their county’s Area Median Income are protected against eviction based on non-payment of rent or similar issues that arose between March 1, 2020 and August 31, 2021. Low- and moderate-income households who have applied for state or local rental assistance and have suffered a financial hardship due to the pandemic cannot be evicted based on unpaid rent that accrued through December 31, 2021. To trigger these protections, a tenant must provide a self-certification form to their landlord and potentially a court. (Unpaid rent is still due to the landlord and considered a debt.) The COVID-19 Emergency Rental Assistance Program Phase II (CVERAP Phase II) has closed, but people can submit pre-applications to be considered if additional funds are received.
• Utility Shutoff Protections: The New Jersey Board of Public Utilities provides a list of utility assistance programs, some of which have been expanded during the pandemic. For example, the low-income energy assistance programs and the energy debt forgiveness program have raised their income limits. The USF-Fresh State program now allows consumers to get their electric and gas balances forgiven.
• Mortgage/Foreclosure Relief: The New Jersey Emergency Rescue Mortgage Assistance program is still being finalized, but people in need of immediate assistance can consult a housing counselor. A number of financial institutions are offering forbearances, waiving late fees, and providing other forms of assistance to homeowners. Governor Murphy signed the New Jersey Foreclosure Prevention Act on March 9, 2021 to address the rising number of foreclosures.

New Mexico

• Eviction Protections: The New Mexico Supreme Court has paused evictions of tenants who can prove that they are unable to pay rent during the COVID-19 emergency. The New Mexico Emergency Rental Assistance Program provides assistance to certain renters financially affected by the pandemic. This is capped at 15 months of rental and utility assistance, with past due rent and utility payments prioritized. Assistance for current and future rent and utility payments is provided in three-month increments, and a renter can reapply for additional three-month periods of assistance up to the 15-month limit.
• Utility Shutoff Protections: Some utility providers have pledged to continue the suspension of non-payment disconnections and work with customers on payment plans. Utility assistance may be available through the Emergency Rental Assistance Program discussed above.
• Mortgage/Foreclosure Relief: Homeowners facing foreclosure can call the New Mexico COVID-19 hotline at (833) 551-0518 for guidance on available options. The New Mexico Homeowner Assistance Fund is awaiting federal approval, and homeowners can sign up to be notified when it opens for applications.

New York

• Eviction Protections: Eviction proceedings are stayed until at least January 15, 2022 when a tenant submits a hardship declaration describing financial hardships incurred due to the pandemic. However, a landlord can contest the hardship declaration at a hearing. The New York Emergency Rental Assistance Program (ERAP) has largely exhausted its funds and is accepting applications only from households in certain counties or in certain income brackets.
• Utility Shutoff Protections: A consumer should ask their utility or municipality for a deferred payment agreement if they cannot pay utility bills. They also may be able to apply for assistance through the Home Energy Assistance Program (HEAP) or the Low-Income Household Water Assistance Program (LIHWAP), among other programs. ERAP, discussed above, may provide additional utility payment support, as may the New York Homeowner Assistance Fund, discussed below.
• Mortgage/Foreclosure Relief: Homeowners in foreclosure actions have the same rights as tenants in eviction proceedings. New funding for the existing Homeowner Protection Program connects homeowners to free, qualified mortgage-assistance relief services. The New York Homeowner Assistance Fund is opening in January 2022, providing assistance such as financial support to address delinquent housing payments, access to a call center and case managers who can discuss mortgage relief options, and referrals to housing counselors and legal service providers in the field.

North Carolina

• Eviction Protections: The HOPE Program has closed to new applications, but emergency rental assistance programs in some counties continue to accept applications from people who have been financially affected by COVID-19.
• Utility Shutoff Protections: A moratorium issued by the North Carolina Utilities Commission on late fees remains in effect until the end of the state of emergency. Emergency rental assistance programs at the county level, discussed above, also may provide assistance with utility payments.
• Mortgage/Foreclosure Relief: Free counseling is available to homeowners through the State Home Foreclosure Prevention Project, and referrals to free legal services are available for low-income residents. The North Carolina Homeowner Assistance Fund is expected to open in early 2022, and homeowners can sign up to be notified when it opens.

North Dakota

• Eviction Protections: Up to 12 months of rental assistance may be available from ND Rent Help, which also provides a hotline for people who are at risk of being evicted or having their utilities disconnected. The North Dakota Department of Human Services website includes information on additional assistance for renters.
• Utility Shutoff Protections: ND Rent Help can help pay for utilities such as electric, gas, water, wastewater, and garbage services. The Public Service Commission also has existing rules to protect residents who may have difficulty paying their residential utility bills.
• Mortgage/Foreclosure Relief: The North Dakota Housing Finance Agency (NDHFA) can provide assistance to NDHFA borrowers whose employment status has been affected by the coronavirus pandemic. This includes waiving late fees and refraining from reporting negative information to credit bureaus. Once the borrower has resumed gainful employment, the NDHFA will set up a repayment plan and offer loss mitigation options. The North Dakota Homeowner Assistance Fund is awaiting federal approval, after which it can assist homeowners with costs such as mortgage, insurance, and utility payments.

Ohio

• Eviction Protections: The Ohio Home Relief Grant program offers financial assistance for rent, utility, and mortgage payments to low-income residents who have experienced financial hardships due to the coronavirus pandemic. This assistance is provided through local Community Action Agencies, each of which serves certain counties.
• Utility Shutoff Protections: Financial assistance for utility customers may be available through the Ohio Home Relief Grant program described above.
• Mortgage/Foreclosure Relief: As mentioned above, the Ohio Home Relief Grant program offers financial assistance for mortgage payments. The Ohio Homeowner Assistance Fund (Save the Dream Ohio: Help for Homeowners) remains in the process of development under federal supervision. There will be a pilot program to assess the proposed plan, which will include assistance for utilities, property taxes, homeowner association fees, and mortgage payments.

Oklahoma

• Eviction Protections: A public-private partnership called Community Care Partners is distributing Emergency Rental Assistance funds throughout the state to people suffering from financial hardships due to COVID-19. An eligible household may receive up to 12 months of assistance. Meanwhile, Restore Hope Ministries is distributing these funds in Northeastern Oklahoma, covering past due rent and forward rent for up to three months. Some tribes offer their own programs.
• Utility Shutoff Protections: Community Care Partners provides assistance with past due utilities and up to three months of prospective utilities, including electricity, heat, water, and trash. Restore Hope Ministries also provides assistance with past due utilities, including water, gas, propane, and electric services.
• Mortgage/Foreclosure Relief: The Oklahoma Homeowner Assistance Fund, which is awaiting federal approval, will provide financial assistance for housing-related expenses to homeowners who have experienced financial hardships due to COVID-19.

Oregon

• Eviction Protections: The Oregon Emergency Rental Assistance Program has been paused to new applicants. However, the program provides a list of alternative sources of assistance, such as county and tribal programs. A tenant is protected from eviction for non-payment of rent if they provide documentation to their landlord that they have applied for rental assistance. This protection lasts throughout the time that an application is processed (up until September 30, 2022). A tenant must give proof of their application to their landlord by June 30, 2022, or at or before any first court appearance if sooner. In addition, renters have until February 28, 2022 to repay rent accrued between April 1, 2020 and June 30, 2021.
• Utility Shutoff Protections: Local community action agencies are providing utility bill payment assistance programs. The Oregon Public Utilities Commission has approved debt relief programs for utility customers and has established additional customer protections after the moratorium was lifted. In addition, the PUC is encouraging low-income households to participate in Oregon Lifeline, which provides discounted phone or high-speed internet service, as well as free cell phone and data service.
• Mortgage/Foreclosure Relief: The Oregon Homeowner Assistance Fund provides financial assistance to homeowners who have experienced financial hardships due to the pandemic. The program is opening in phases and is accepting applications from homeowners in Phase 1, who are the most at risk of foreclosure or displacement. The websites of Oregon Housing and Community Services and the Oregon Department of Justice provide information on additional programs that can assist homeowners.

Pennsylvania

• Eviction Protections: The Pennsylvania Emergency Rental Assistance Program provides rent and utility assistance to individuals who have experienced financial hardships due to the coronavirus pandemic. Up to 12 months of funding is available for rent accrued on or after March 13, 2020, in addition to another three months if needed for housing stability, subject to the availability of funds.
• Utility Shutoff Protections: Utility customers may be able to obtain financial assistance with paying utility and home energy costs and arrears through the Emergency Rental Assistance Program described above. Utilities regulated by the Pennsylvania Public Utility Commission are providing extended payment plan options. Assistance also may be available through Customer Assistance Programs, national programs like LIHEAP, and various hardship funds operated by utilities and non-profit organizations.
• Mortgage/Foreclosure Relief: The Pennsylvania Homeownership Assistance Fund, which is awaiting federal approval, will provide financial assistance for mortgage and housing-related expenses to homeowners who have experienced financial hardships due to the pandemic. The Pennsylvania Housing Finance Agency website contains information on additional resources for homeowners.

Rhode Island

• Eviction Protections: RentReliefRI provides up to 18 months of rent assistance (including the security deposit and up to three months of upcoming rent) to individuals who have experienced financial hardships due to the coronavirus pandemic. Rent arrears are covered back to April 1, 2020. RIHousing has information on additional programs for renters, including the HomeSafe Initiative, which provides up to $2,000 in emergency financial assistance.
• Utility Shutoff Protections: Financial assistance for utility customers may be available from the RentReliefRI program described above, which provides assistance with payments for electricity, water, trash, and heat. People can get utility assistance even if they do not need rent assistance. The Rhode Island Public Utilities Commission website has information on additional energy and heating assistance programs, such as LIHEAP, weatherization programs, and CAP agencies.
• Mortgage/Foreclosure Relief: Homeowners may be able to obtain assistance from the HomeSafe Initiative described above. The Homeowner Assistance Fund Rhode Island program, which is awaiting federal approval, will provide financial assistance for housing-related expenses to homeowners who have experienced financial hardships due to the pandemic. RIHousing has information on forbearance and other programs.

South Carolina

• Eviction Protections: Residents of 39 counties can apply for SC Stay Plus, which provides rent and utility assistance to individuals who have experienced financial hardships due to the coronavirus pandemic. Up to 12 months of assistance for payments dating back to March 13, 2020 are covered, as well as up to three months of future rent for housing stability. (Seven counties are providing their own rental assistance programs.) The SC Housing website has information on additional assistance programs for renters.
• Utility Shutoff Protections: Financial assistance for utility customers may be available from the SC Stay Plus program (or the county-specific programs) described above. The South Carolina Office of Regulatory Staff website includes information on financial assistance programs for utility customers, such as local community action agencies. Regulated utilities may offer longer deferred payment plans. Regulated electric and natural gas utilities may offer safety net programs or benefits in certain situations.
• Mortgage/Foreclosure Relief: The SC Mortgage Rescue Program, which is awaiting federal approval, will provide financial assistance for housing-related expenses to homeowners who have experienced financial hardships due to COVID-19. The SC Housing website contains information on additional assistance for homeowners.

South Dakota

• Eviction Protections: The SD CARES Housing Assistance Program provides financial assistance for rent, mortgage, and utilities to low-income residents who have experienced financial hardships due to the coronavirus pandemic. Renters may receive up to 12 months of assistance, with past-due rent and utilities dating back to March 13, 2020 being paid first and remaining funds allocated to future assistance.
• Utility Shutoff Protections: Financial assistance may be available through the SD CARES Housing Assistance Program described above. A customer experiencing financial difficulties due to COVID-19 can also contact their utility or the consumer affairs staff at the South Dakota Public Utilities Commission to discuss options for assistance with paying their bills.
• Mortgage/Foreclosure Relief: Financial assistance with mortgage payments and mortgage delinquency from March 13, 2020 to the present may be available through the SD CARES Housing Assistance Program described above. The South Dakota Housing Assistance Fund, which is awaiting federal approval, may ultimately offer broader assistance.

Tennessee

• Eviction Protections: The Tennessee COVID-19 Rent Relief program provides financial assistance for rent, utilities, and energy expenses to individuals who have experienced financial hardships due to the coronavirus pandemic. (Four counties provide assistance through local programs.) Past due rent and eligible future rent may be covered.
• Utility Shutoff Protections: Utility customers may be able to obtain financial assistance from the COVID-19 Rent Relief program described above. This covers past due electricity, gas, water, sewer, and trash collection costs. A customer can receive up to 12 months of this assistance even if they do not need rent assistance. Public utilities are required to offer payment plans to customers who are unable to pay overdue amounts. The Tennessee Housing Development Agency also provides information on two energy assistance programs: weatherization assistance and LIHEAP.
• Mortgage/Foreclosure Relief: The Tennessee Homeowner’s Assistance Fund program will provide financial assistance to homeowners who have experienced financial hardships due to the coronavirus pandemic. Homeowners can sign up to be notified when the application is live. The Tennessee Housing Development Agency has information on programs such as housing counseling that can assist homeowners.

Texas

• Eviction Protections: The Texas Rent Relief Program and the Texas Eviction Diversion Program have closed to new applications. However, the Texas Emergency Rental Assistance Program can pay up to six months of rent to income-eligible households affected by COVID-19, with at least one of those months covering future rent. A program providing emergency housing vouchers is being developed.
• Utility Shutoff Protections: Utility customers may be able to obtain financial assistance from the Comprehensive Energy Assistance Program, which involves an integration of all LIHEAP-funded programs that is administered through sub-recipients.
• Mortgage/Foreclosure Relief: A homeowner who has been affected by the coronavirus pandemic should contact their loan servicer to determine if they qualify for reduced or suspended payments. Low-income homeowners affected by COVID-19 may be able to obtain financial assistance from the Texas Emergency Mortgage Assistance Fund, which is administered through local service providers. The Texas Homeowner Assistance Fund will provide financial assistance for housing-related expenses to homeowners who have experienced financial hardships due to the pandemic. This program is still under development and is not yet accepting applications.

Utah

• Eviction Protections: The Utah Rent Relief program provides financial assistance for rent and utilities to individuals who have experienced financial hardships due to the coronavirus pandemic. Funds cover current rent, past-due rent, and three months of prospective rent. The Utah Courts website contains information on additional assistance available for renters.
• Utility Shutoff Protections: Utility customers who have been affected by COVID-19 may be able to obtain financial assistance from the Utah Rent Relief program described above, which covers utilities, internet, and home energy costs. Low-income households may also be able to obtain assistance through the Home Energy Assistance Target (HEAT) Program. Applicants may qualify for a heating or cooling benefit (depending on the season) and water assistance.
• Mortgage/Foreclosure Relief: The Utah Courts website contains information on housing counselors and other foreclosure assistance. The Utah Homeowner Assistance Fund is not yet available.

Vermont

• Eviction Protections: The Vermont Emergency Rental Assistance Program provides rent and utility assistance to individuals who have experienced financial hardships due to the coronavirus pandemic. Funds cover rent and back rent (arrears) dating back to April 1, 2020.
• Utility Shutoff Protections: On July 8, 2021, the Vermont Public Utility Commission adopted a rule that provides additional protections for utility customers experiencing financial difficulties due to the coronavirus pandemic. Financial assistance for utility customers may be available from the Vermont Emergency Rental Assistance Program described above. Funds cover electricity, natural gas, water, sewage, trash removal, and fuel oil and other energy costs. Tenants can get help with up to 12 months of past due or current bills, up to a $10,000 maximum combined total.
• Mortgage/Foreclosure Relief: The Vermont Homeowner Assistance Fund program will provide financial assistance for housing-related expenses to homeowners who have experienced financial hardships due to the coronavirus pandemic. The program is still in the development phase, but homeowners can sign up to be notified when it opens.

Virginia

• Eviction Protections: The Virginia Rent Relief Program provides financial assistance for rental payments. Funds cover rent payments past due beginning April 1, 2020 and onward, with the opportunity for renewal based on need, eligibility, and availability of funding. (Local programs are available to residents of Chesterfield and Fairfax Counties.) A new Virginia Eviction Reduction Pilot program provides grants to local eviction prevention and diversion programs. StayHomeVirginia.com is a website with resources for tenants and homeowners.
• Utility Shutoff Protections: Financial assistance for utility customers who have experienced financial hardships due to the coronavirus pandemic may be available from a COVID-19 Municipal Utility Relief Program. Relief is applied to arrearages of 60 days or more between March 12, 2020 and August 31, 2021. The Virginia State Corporation Commission manages another program that covers certain utility systems.
• Mortgage/Foreclosure Relief: The Virginia Mortgage Relief Program will provide financial assistance for housing-related expenses to homeowners who have experienced financial hardships due to COVID-19. The program is expected to launch on January 3, 2022. It is intended to prevent or ease mortgage delinquencies, defaults, foreclosures, and displacement. Additional resources for homeowners are available from Virginia Housing and StayHomeVirginia.com.

Washington

• Eviction Protections: The Treasury Rent Assistance Program may prevent evictions by paying past due, current, and future rent for people affected by the pandemic. A renter should contact the service provider in their area to find out how to apply. Tenants under 25 can access the Youth and Young Adult Eviction Rent Assistance program. Meanwhile, the state has created an eviction resolution program and a right to counsel legal program to assist tenants.
• Utility Shutoff Protections: Energy companies are banned from charging late fees through March 29, 2022. Financial assistance may be available for utility customers through COVID-19 assistance funds approved by the Washington Utilities and Transportation Commission and assistance programs managed by utilities. Financial support for paying water bills may be available from the federal Low Income Household Water Assistance Program. Customers can call the Utilities and Transportation Commission for assistance in working with their utilities. They may be able to set up payment plans.
• Mortgage/Foreclosure Relief: The Washington Homeowner Assistance Fund program will provide financial assistance for housing-related expenses to homeowners who have experienced financial hardships due to COVID-19. This program is still in the planning stages. A homeowner who needs assistance in contacting their mortgage servicer can call the Department of Financial Institutions. Homeowners facing foreclosure may be able to obtain housing counseling and legal assistance from the Washington Homeownership Resource Center.

West Virginia

• Eviction Protections: The Mountaineer Rental Assistance Program provides rent and utility assistance to individuals who have experienced financial hardships due to the coronavirus pandemic. Funds may cover past due and current rent beginning April 1, 2020 and up to three months of forward rent, up to a maximum of 18 months’ rental assistance.
• Utility Shutoff Protections: Utility customers may be able to obtain financial assistance from the Mountaineer Rental Assistance Program described above. Funds may cover past due and current water, sewer, gas, electric, and home energy costs for a maximum of 18 months of utility assistance. There is also a one-time stipend for internet expenses. Utilities are required to provide customers with an opportunity to enter into a deferred payment agreement prior to terminating service for non-payment.
• Mortgage/Foreclosure Relief: The West Virginia Homeowners Rescue Program is expected to open in the first quarter of 2022, providing assistance to homeowners who have been financially affected by the pandemic. The West Virginia Housing Development Fund (WVHDF) may be able to assist homeowners as well.

Wisconsin

• Eviction Protections: The Wisconsin Emergency Rental Assistance Program (WERA) provides financial assistance for rent and utilities to individuals who have been economically affected by the pandemic. Four counties provide assistance separately.
• Utility Shutoff Protections: Financial assistance for utility customers may be available from WERA or the Wisconsin Home Energy Assistance Program, which administers LIHEAP and the Public Benefits Energy Assistance Program. Customers who are having difficulties paying their bills and are unable to reach payment agreements with their utilities can call the Wisconsin Public Service Commission (PSC) for assistance. WERA will also provide financial assistance for the cost of internet service.
• Mortgage/Foreclosure Relief: The Wisconsin Help for Homeowners Program will provide financial assistance to homeowners who have experienced financial hardships due to COVID-19. The program is expected to launch in early 2022, and homeowners can sign up to be notified when it opens. The Wisconsin Housing and Economic Development Authority (WHEDA) may be able to assist homeowners who have a WHEDA mortgage and are experiencing payment difficulties.

Wyoming

• Eviction Protections: The Wyoming Emergency Rental Assistance Program provides financial assistance for rent, utilities, and internet to individuals who have experienced financial hardships due to the coronavirus pandemic. Unpaid bills must be for services on or after March 13, 2020, up to a maximum of 18 months. Future assistance may be available in increments of three months at a time.
• Utility Shutoff Protections: Utility customers may be able to obtain financial assistance from the Emergency Rental Assistance Program described above. Funds cover electricity, energy, water, and sewer costs, as well as internet service. This is available even if customers do not need rent assistance. Future assistance may be available in monthly increments.
• Mortgage/Foreclosure Relief: The Wyoming Community Development Authority (WCDA) encourages its homeowner customers who are experiencing financial hardships to call the WCDA Servicing Department for information on mortgage relief options. The Wyoming Homeowner Assistance Fund program will provide mortgage and utility cost relief to homeowners who have experienced financial hardships due to the coronavirus pandemic. This program is still in the early stages of information gathering.

Last reviewed December 2022