Financial assistance for bills and more | United StatesGov (2023)

The government's COVID-19 moratorium on evictions has ended. Landlords now have the ability to evict tenants who are unable to pay their rent during the COVID-19 pandemic. As a renter or landlord, government programs can help you with rent money and advice for your situation.

Emergency rental assistance

Find rental assistance programs near youby your state, local, or tribal government.

Get advice for tenants from a housing consultant

• Talk to a HUD-approved housing consultantin your area for advice on your specific situation.
• HUDsCOVID-19 Resources Page for Rentersoffers detailed advice if you are having trouble paying rent or are at risk of eviction.

Learn how to avoid eviction as a tenant

Learn how to avoid eviction and how to create a payment plan with your landlord.

find emergency shelter

If you are about to be evicted and need emergency shelter,ligue 211for local housing assistance or contactHUDs Find Shelter-Tool.

Recover rent as a landlord

Learn how to recover rentand learn about mortgage forbearance on your property if you are a homeowner.

If you have been financially impacted by the COVID-19 pandemic and own a single-family home with a state-backed or FHA mortgage,You can apply for mortgage forbearance, a break in mortgage payments.

Deadline Extension for Mortgage Forbearance Request

You now have until the end of the COVID-19 national emergency to apply for a secured loan repaymentHUD/FHA,USDA, EVA. There is currently no term for loans secured by Fannie Mae and Freddie Mac.

What Your Credit Officer Needs to Do When You Apply for Forbearance

If you are having trouble making payments on your government-backed mortgage due to the COVID-19 pandemic, please contact your loan officer. You need:

• Defer or reduce your payments by six months if you contact them to make arrangements.

  (Video) Are You Eligible for a Hardship Grant?!

  • If necessary, you can apply for an extension. For most loans, your grace period can be extended for up to 12 months.

• Offer options to offset deferred or reduced payments. They will discuss these options with you at the end of the grace period.

Find your credit service provider

If you don't know if your mortgage is guaranteed by the state,ask your credit manager. You can check this tooFannie Mae Loan Searchit's atFreddie Mac Loan Searchto see if anyone owns or supports your mortgage. Together, Fannie Mae and Freddie Mac own nearly half of all mortgages in the United States.

By applying for Child Tax Credit (CTC), you can reduce the amount of money you owe on your federal taxes. The amount of credit you receive is based on your income and the number of eligible children you claim.

Due to the COVID-19 pandemic, the CTC was expanded as part of the 2021 American Rescue Plan. The IRS prepaid half of the total loan amount in monthly payments from July through December 2021. When filing your tax return 2021, you can claim the other half of the total CTC.

Learn more about family allowance.

The additional SNAP (food stamp) benefits that your state has been providing during the COVID-19 pandemic are now over.

Learn about other nutritional care programswho can deliver groceries in an emergency or help you pay for groceries each month.

If you are affected by homelessness, these tips can help you prepare and deal with the situation.

Prepare yourself and your family

• Make sure your state ID orDriver's licenseis current and available. Accommodation and service programs may have strict identification requirements.
• If possible, store your belongings. Accommodations have restrictions on how much you can bring.
• Arrange to have your mail delivered somewhere or contact your local post office. Many have special services for the homeless. Maybe you can get onefree mailbox or get general delivery service.
• Pack a suitcase for yourself and each member of your family.
• Keep important documents and necessary medications with you.

find an apartment

1. Dial 211. In most areas of the US, this will connect you to local social services and emergency shelter referrals.
2. Search for townhouses and townhouses in your state. You can also check yourlocal governmentor statehuman or social servicesHousing support programs. or usethe map in the Homeless Shelter directory to find a place to stay near you. The types of installations vary. Search for the best options for:
   • Cost - Most accommodations are free, but some charge a small fee. Most facilities that offer inpatient drug or alcohol rehabilitation programs charge a fee. However, many are inexpensive, accept Medicaid, or work on a staggered income-based basis.
   • Length of stay - can vary from a few days to weeks or months.
   • Types of Services - Some facilities only offer safe overnight shelter, while others are temporary. They provide residential and care services. They can help you with substance abuse, mental health, domestic violence or job training.
3. Apply for permanent or subsidized public housing. Typically, there are long waiting lists for public and subsidized housing. Apply as soon as possible.

Homeless resources for special groups

These features target specific audiences:

veterans

• Resources for Homeless Veterans from the Department of Veterans Affairs (VA)- Use these resources to find safe housing. Or explore ways to get back to work, find healthcare, or seek out mental health services.
• Call the National Call Center for Homeless Veterans hotline at 1-877-4AID-VET (1-877-424-3838). You can find help 24/7.

youth

• Ligue para a National Runaway Safeline em 1-800-RUNAWAY (1-800-786-2929).
• housing programs and road works- Find a stable and secure home. They may also receive educational assistance, survivorship assistance, counselling, crisis intervention and aftercare.

people with mental illnesses

• Homeless Transition Assistance Projects (PATH)- Seek help if you have a serious mental illness. The PATH program can help you if you are homeless or at risk of becoming homeless.

Other types of help when you are homeless

VisitVorteile.govto find out if you are eligible and how to apply for other types of help. This can include financial support, transportation, food, counseling and much more.

If you don't have health insurance, you can useHRSA Health Centers. They offer check-ups, treatment in case of illness, pregnancy care and vaccinations for your children.

During the COVID-19 pandemic, the Federal Communications CommissionBroadband Benefit Emergency Programis offering a temporary discount on monthly broadband Internet bills to eligible low-income households.

For eligible families, Emergency Broadband offers:

• A discount of up to $50 per month for broadband services
• A rebate of up to $75 per month for home broadband in qualifying tribal lands
• A one-time discount of up to $100 on the purchase of a laptop, desktop or tablet from participating vendors

Find out if you qualify and how to apply for the Emergency Broadband Benefit.

To ease the financial burden during the COVID-19 pandemic, the Federal Emergency Management Agency (FEMA) is providing reimbursement of up to $9,000 for COVID-19 related funeral expenses. Death must have occurred after January 20, 2020.

Visite aFEMA COVID-19 Funeral Assistance PageFor:

• Find out if you are eligible for the program
• See which expenses are covered
• Find out how to apply and what documents you need

Scammers target people whose loved ones have died from COVID-19. learn howProtect yourself from COVID-19-related funeral service fraud.

When you pay off a student loan backed by the US Department of Education, you get leniency. Due to the COVID-19 pandemic, your principal and interest payments were automatically suspended after the start of 2023. The exact date when payments will resume is not yet known.

• LearnCOVID-19 Emergency Assistance for Federal Student Loans.
• This special allowance does not apply to private student loans. But private lenders may have plans of their own to help borrowers during the coronavirus pandemic. Contact your lender for details.
• If you participate in the Public Service Loan Forgiveness (PSLF),Learn how you were impacted during the COVID-19 emergency.
• Beware of people who will contact you and ask you to pay a fee to put your federal student loan payments on hold. They are scammers.Report them to the Federal Trade Commission.

Vaccines.gov makes it easy to find COVID-19 vaccination sites. Select the vaccine you want and search by zip code. Depending on your location, you can choose from pharmacies, health department clinics, and other healthcare providers.