HUD and its PHA and private landlord partners have been taking steps to mitigate the impact of COVID and the states’ phased reopening of their economies. All HUD-assisted renters are eligible to report any decreases in wages, job hours, and family income so that income-based rent payments can be temporarily decreased and housing subsidies can be temporarily increased. Where families may still be liable for non-payment of rent post-moratorium, HUD strongly encourages Owners and PHAs to enter into repayment agreements so that families may continue to be housed during this difficult time.
The best option for renters during the eviction moratorium is to pay their rent if they are able. Those experiencing financial hardship should reach out to their landlord to discuss their situation and potential solutions. If your building or property is located on one of HUD’s database maps, you have free access to our Disaster Response Network. For renters experiencing financial challenges from COVID-19, a natural disaster, or other difficulties, the Disaster Response Network’s HUD-approved housing counselors may be able to help with:
A personalized recovery assessment and action plan.
FEMA and insurance claims.
Federal and state housing assistance.
Unemployment, nutritional assistance, and any other available benefits.
Non-legal support in communicating with landlords.
Ongoing check-ins to help ensure a successful recovery.
Call 877-542-9723 to speak with a housing counselor at our Disaster Response Network.
If you are struggling to make your mortgage payment on your FHA-insured mortgage because of COVID-19, help is available, but you must take action. Here’s what you need to know:
Contact your mortgage servicer.
Their information is on your mortgage statement or their website. If you don't know your servicer, look them up here. For more help, contact a HUD-approved housing counseling agency in your area.
Tell your servicer that you would like to pause your payments.
This is called forbearance. Because of the current crisis, most homeowners can temporarily stop making payments without any penalty. But you must contact your servicer.
Make a plan for when your payment pause ends.
You will not have to repay your paused payments all at once. Talk to a local housing counselor for free guidance on how to make sure your payments are affordable.