Rent/ Mortgage Relief

Rent Assistance Program available

T-RAP Flyer.PNG

For more information:

The American Rescue Plan Act of 2021:

For Rental Assistance:

  • Appropriates $21.55 billion.
    • $2.5 billion reserved for payments to high-need grantees – very low-income families spending more than 50 percent of income on rent or living in sub-standard housing.
  • $152 million per state guaranteed, further allocations based on population.
    • Treasury has 60 days from enactment to pay 50 percent of allocation to grantees.
  • Funds can be used to provide financial assistance to eligible households for up to 18 months for:
    • Rent;
    • Rental arrears;
    • Utilities/home energy costs and arrears; and,
    • “Other expenses” related to housing.
  • TOTAL assistance a household can get between this and the Consolidated Appropriations Act (the December 2020 COVID relief bill) is for 18 months of expenses.
  • States can put up to 10 percent of the funds they receive toward housing stability services.
  • States can put up to 15 percent of the funds they receive toward administrative costs for providing financial assistance, housing stability services, rental housing and eviction prevention activities, along with data collection and reporting requirements.
  • Assistance to households under the ERA will not be considered income and shall not be considered as a resource for purposes of determining the eligibility of the household for benefits/assistance.

For Homeowners:

Appropriates $9.961 billion for the Homeowners Assistance Fund to states, territories and tribes to help homeowners at 100 percent of national AMI to pay mortgage, taxes, insurance, HOA/condo fees, and reimburse state and local governments that provided the same support in order to prevent homeowner displacement.

Clallam-Jefferson County Pro Bono Lawyers

360.504.2422


Rural Development COVID-19 Response

 USDA Rural Development has taken a number of immediate actions to help rural residents, businesses, and communities affected by the COVID-19 outbreak. Rural Development will keep our customers, partners, and stakeholders continuously updated as more actions are taken to better serve rural America. A PDF of all Immediate Actions to date is available in English and Spanish , and below you will find in-depth information on the immediate actions we are taking separated by program area.

Covid-19 Federal Rural Resource Guide:  PDF English; PDF Spanish

COVID-19 Fact Sheets

Rural Housing Service

Mutual Self-Help Housing Technical Assistance Grants:

  • USDA issued guidance on March 20, 2020, about steps the Department is taking to help you continue to successfully operate the Self-Help Program.

Single Family Housing Direct and Guaranteed Programs:

  • Effective February 16, 2021, with the exception of vacant or abandoned dwellings, foreclosures and related evictions for borrowers with USDA single family housing Direct and Guaranteed loans are suspended through June 30, 2021.

For more information, visit the following web pages:

Multi-Family Housing

  • Multifamily borrowers should reach out to their assigned servicing staff if they are experiencing financial hardship due to COVID-19.
  • The CDC Eviction Moratorium has been extended through March 31, prohibiting evictions for tenants who cannot afford to pay rent due to COVID-19.
  • Tenant certifications that cannot be completed in a timely manner due to COVID-19 can be extended with no late fees or overage charges, upon request to the assigned servicing staff.
  • Section 515 Annual Financial Statements due March 31, 2021 may be extended for 30 days or longer if needed, upon request to the assigned servicing staff (HB-2- 3560 Chapter 4, Section 4.16-H).
  • Owners must process an interim recertification at the tenant’s request if there is a change income of $50 or more per month. The owner should already have this policy in writing and apply it consistently. To the maximum extent possible, owners are encouraged to work with all tenants with impacted income to adjust rent payments.

Community Facilities:

  • Effective May 12, 2020, through September 30, 2020, the USDA Community Facilities Direct Loan Program will temporarily allow borrowers with direct loans to request payment deferrals to assist those that are experiencing temporary cash flow issues due to the pandemic.
  • On a case-by-case basis, USDA will provide the option of principal and interest payment deferrals to borrowers impacted by COVID-19 for up to one year due to hardship. The borrower must request any payment deferments from the Agency in writing.
  • For additional information, please see page 22009 of the April 21, 2020, Federal Register.
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