Rent Relief

How do I know if I’m eligible for rent or housing relief?

by
Bridge
|
March 13, 2021

This blog post is intended to provide informational content to assist you with rental assistance and housing relief. Please refer to federal, state and local government websites for official and up-to-date information regarding rental & housing assistance.

Eligibility varies by state and county. Depending on your situation, you may be eligible to receive financial assistance with your monthly rent or other forms of relief on your mortgage.

Pro Tip - Don’t be discouraged if a deadline has passed

Be sure to bookmark any program you find you’re eligible for and check back often, even if the application deadline has passed. Some programs release funding for housing assistance in waves and may open their program back up to accept more applications in the near future.

What is rental assistance and am I eligible?

If you’re facing difficulties paying your monthly rent or mortgage due to the COVID-19 pandemic, there may be financial resources available to you through The American Rescue Plan passed by Congress in March 2021.

Rental assistance is primarily offered by state and local governments, so each jurisdiction's eligibility requirements and benefits offered are unique.

What is rental assistance and housing relief?

The American Rescue Plan passed by Congress in March 2021 contains about $20 billion for state and local governments to help both renters and homeowners pay back rent, receive rent assistance and support utility bills. 

Rental assistance and housing relief may also include:

Eviction moratorium, which halts evictions for tenants unable to pay rent specifically due to COVID-19

  • Foreclosure relief, which prevents banks from foreclosing on your home if you cannot pay your mortgage due to COVID-19
  • Mortgage payment forbearance, which temporarily pauses or reduces your mortgage payments due to financial hardship, such as unemployment or reduction of income

Whether you rent or own, visit the Consumer Finance Protection Bureau's housing assistance portal for up-to-date information on available relief options, protections, and key deadlines.

How do I know if I’m eligible for rental or housing assistance?

Rental and housing assistance are provided directly by state and county programs, so it is important that you identify which programs you can apply for to receive assistance. 

Refer to your specific housing situation below for more information:

I am a renter

Use this dashboard from the National Low Income Housing Coalition to find the different rental assistance programs available to you and understand their eligibility guidelines.

I am a homeowner

Most homeowners are currently protected from foreclosure and can temporarily pause or reduce their mortgage payments if they’re struggling financially. You’re protected if your mortgage is backed by Fannie Mae, Freddie Mac, HUD/FHA, VA, or USDA.

For other home loans, you may still be eligible for mortgage relief options through your mortgage loan servicer or from your state, even if your loan is not backed by Fannie Mae, Freddie Mac or the federal government. Visit the Consumer Financial Protection Bureau's "Help for Homeowners" webpage to better understand the steps you can take for housing relief.