Rent and Mortgage Assistance to Keep People Safely Housed

Don’t be left out in the cold! To qualify for protection under the federal eviction moratorium, tenants must apply for all available financial assistance and complete a declaration notice. Read more about the federal eviction moratorium and get a copy of the declaration form. 

Even if you’ve never qualified for public assistance, if you have had an increase in expenses or a decrease of income due to the pandemic, you may be eligible for help.

Housing Assistance has been the leading regional administrator for rent and mortgage assistance programs for decades. Anticipating the additional impact of the pandemic, we established a new program: the Workforce Housing Relief Fund, which serves local, year-round residents who have more income than is allowed by eligibility guidelines of governmental programs, but who still need help staying housed during this crisis.

If you need assistance to stay housed, call (508) 771-5400 or email: hac@haconcapecod.org. We are happy to talk through your situation and identify which funding programs or services may be available to you.

PLEASE NOTE: We use a standard application form for financial assistance from all the financial assistance programs we administer. RAFT/ERMA applications may also be considered for the federal Emergency Rental Assistance Program (ERAP); no additional or separate application is required. ERAP includes benefits that can exceed $10,000 and include slightly different eligibility requirements, along with a preference for households with one or more members that have been unemployed 90 days or more at the time of application or who have income below 50% of the Area Median Income. We will match you with the most appropriate program based on your needs and circumstances, and may ask additional questions beyond those in the application. You can complete your application online, including uploading all necessary attachments. If you’d rather print the application, you can use the fillable, printable PDF below.

Start Online Application

Download & Print Application

Os requerimentos do RAFT/ERMA também podem ser considerados para o Programa Federal Emergency Rental Assistance (ERAP); nenhum requerimento adicional ou separado é necessário. O ERAP inclui benefícios que podem ultrapassar $10.000 dólares e inclui requisitos de elegibilidade um pouco diferentes, juntamente com uma preferência por famílias com um ou mais membros que estejam desempregados há 90 dias ou mais no momento do requerimento ou que tenham uma renda abaixo de 50% da Renda média da área. Iremos correspondê-lo ao programa mais apropriado com base em suas necessidades e circunstâncias, e podemos fazer perguntas adicionais além daquelas incluídas no requerimento.

Aplicativo de Download – Português

Las solicitudes de RAFT/ERMA también pueden ser consideradas para el Programa Federal de Asistencia de Emergencia para el Alquiler (ERAP); no se requiere una solicitud adicional o separada. El ERAP incluye beneficios que pueden superar los $10,000 e incluyen requisitos de elegibilidad ligeramente diferentes, junto con una preferencia para los hogares con uno o más miembros que han estado desempleados 90 días o más al momento de la solicitud o que tienen ingresos por debajo del 50% de los ingresos medios del área. Lo pondremos en contacto con el programa más adecuado en función de sus necesidades y circunstancias, y es posible que le hagamos preguntas adicionales a las de la solicitud.

Descargar e imprimir la aplicación – Español

联邦紧急租房补助计划 (ERAP) 也将 RAFT/ERMA 申请考虑在内;有意向者无需额外或单独申请。ERAP 包括可能超过 10,000 美元的福利,其资格要求也略有不同,更优先考虑在申请时失业 90 天或以上或收入低于地区中位数收入 50% 的家庭。我们将根据您的需求和情况为您提供最合适的计划,并可能提出申请表中未包括的其他问题。

Chinese Application

Yo kapab konsidere demann pou RAFT/ERMA pou pwogram federal Emergency Rental Assistance Program (ERAP) tou; yon lòt demann oswa yon demann separe pa nesesè. ERAP genyen ladan li benefis ki kapab depase $10,000 epi li genyen egzijans pou elijibilite ki yon ti jan diferan, ansanm ak yon preferans pou kay ki gen yon moun oswa plis ki sibi chomaj pandan 90 jou oswa plis nan moman demann nan te depoze oswa ki touche revni ki pi ba pase 50% Revni Mwayen pou Zòn nan (Area Median Income). Nou pral konekte w ak pwogram ki pi apwopriye a selon bezwen w ak sikonstans ou yo, epi nou ka poze plis kesyon an plis de sa ki nan demann nan.

Haitian Creole Application

ពាក្យសុំ RAFT / ERMA ក៏អាចត្រូវបានគេយកមកពិចារណាសម្រាប់កម្មវិធីជំនួយការជួលបន្ទាន់របស់សហព័ន្ធ (Emergency Rental Assistance Program, ERAP) ផងដែរ។ មិនចាំបាច់មានពាក្យសុំបន្ថែម ឬ​ដាច់​ដោយ​ឡែក​ទេ។ ERAP រួមបញ្ចូលអត្ថប្រយោជន៍ដែលអាចមានចំនួនទឹកប្រាក់លើសពី 10,000 ដុល្លារ និងរួមបញ្ចូល​លក្ខខណ្ឌ​​តម្រូវ​សិទ្ធិចូលរួមខុសគ្នាបន្តិចបន្តួចរួ មជាមួយចំណូលចិត្តសម្រាប់គ្រួសារដែលមានសមាជិកម្នាក់ ឬច្រើន​នាក់​ដែល​គ្មានការងារធ្វើ  90 ថ្ងៃ ឬច្រើនជាងនេះ នៅពេលដាក់ពាក្យសុំ ឬអ្នកដែលមានប្រាក់ចំណូលទាបជាង 50% នៃ​ចំណូលមធ្យមប្រចាំតំបន់ ។ យើងនឹងផ្គូផ្គងអ្នកជាមួយកម្មវិធីដែលសមស្របបំផុតដោយផ្អែកលើតម្រូវការ​ និង​កាលៈទេសៈរបស់អ្នក ហើយអាចនឹងសួរសំណួរបន្ថែមក្រៅពីសំណួរដែលមាននៅក្នុងពាក្យសុំ។.

Khmer Application

Заявления RAFT/ERMA также могут рассматриваться для участия в федеральной программе Emergency Rental Assistance Program (ERAP); для этого не требуется дополнительных или отдельных заявлений. Выплаты по программе ERAP могут превышать 10 000 долл. США и предусматривают несколько иные квалификационные требования, наряду с преимуществом для домохозяйств, в которых, на момент подачи заявления, один или несколько членов находятся без работы в течение 90 или более дней или чей доход составляет 50% или ниже регионального медианного дохода. Мы подберем для Вас наиболее подходящую программу, исходя из Ваших потребностей и обстоятельств. Обращаем внимание, что Вам могут быть заданы дополнительные вопросы, помимо указанных в заявлении.

Russian Application

Các đơn đăng ký RAFT/ERMA cũng có thể được xem xét cho Chương trình Hỗ trợ Người thuê nhà Khẩn cấp (ERAP) của liên bang mà không cần nộp thêm đơn đăng ký riêng. Chương trình ERAP bao gồm trợ cấp có thể lên đến hơn 10.000 đô la và bao gồm các yêu cầu về điều kiện hơi khác một chút, với ưu tiên dành cho các hộ gia đình có một hoặc nhiều thành viên đã thất nghiệp từ 90 ngày trở lên tính đến thời điểm nộp đơn hoặc có thu nhập dưới 50% Thu nhập Trung bình của Khu vực. Chúng tôi sẽ chọn chương trình phù hợp nhất dựa trên nhu cầu và hoàn cảnh của quý vị, đồng thời có thể hỏi thêm các câu hỏi khác ngoài những câu hỏi trong đơn đăng ký.

Vietnamese Application

Landlord Assistance

If you are a landlord who is interesting in applying for financial assistance on behalf of a current tenant, please click the button below.

Apply for Landlord Assistance

Here are the basic eligibility criteria for some of our most frequently requested programs:

Workforce Housing Relief Fund

Eligible clients can make up to 100% Area Median Income, and must not be eligible for other state, federal or local relief. They must demonstrate a loss of income or increase in expenses that has caused them to fall behind on rent or mortgage payments. Priority is given to clients impacted by COVID or related economic downturn. Numbers below are for Barnstable County. Nantucket and Dukes County AMIs vary.

1 person household up to $67,700

2 person household up to $77,300

3 person household up to $87,000

Learn More About the Relief Fund

ERAP (Emergency Rental Assistance Program)

This federally-funded program provides rental payments to prevent homelessness. For more information, click the button below.

Learn More About ERAP

Barnstable County HOME Funds

This federally funded program provided through Barnstable County provides rental arrearage payments to Barnstable County Residents to prevent homelessness. Eligible clients will demonstrate 1) loss of income or increase in expenses that has caused housing instability that was due to COVID-19, 2) that they do not have other resources to make the payment, and 3) that the payment will stabilize their housing. Payments are made directly to landlord.

Eligible clients can make under 60% Area Median Income. Numbers below are for Barnstable County.

1 person household up to $40,620

2 person household up to $46,380

3 person household up to $52,200

ERMA (Emergency Rental and Mortgage Assistance)

This state funded program provides rental or mortgage payments to prevent homelessness. Eligible clients will demonstrate 1) loss of income or increase in expenses that has caused housing instability that was due to COVID-19, 2) that they do not have other resources to make the payment, and 3) that the payment will stabilize their housing. Payments are made directly to landlord, mortgage company or other vendor.

Eligible clients can make between 50% and 80% Area Median Income. Numbers below are for Barnstable County. Nantucket and Dukes County AMIs vary.

1 person household up to $54,150

2 person household up to $61,850

3 person household up to $69,600

RAFT (Residential Assistance for Families in Transition)

This state funded program provides payments to prevent homelessness. Eligible clients will demonstrate 1) loss of income or increase in expenses that has caused housing instability, 2) that they do not have other resources to make the payment, and 3) that the payment will stabilize their housing. Payments are made directly to landlord, mortgage company or other vendor.

Eligible clients can make up to 50% Area Median Income. Numbers below are for Barnstable County. Nantucket and Dukes County AMIs vary.

1 person household up to $33,850

2 person household= $38,650

3 person household = $43,500

Private Prevention Funds: Up to $500 to help keep a client housed

There is no annual income limitation for this program. However, eligible clients will demonstrate 1) loss of income or increase in expenses that has caused housing instability, 2) that they do not have other resources to make the payment, and 3) that the payment will stabilize their housing. Payments are made directly to landlord, mortgage company or other vendor.

cape wide housing assistance

As of the beginning of November, we’ve raised over $1 Million of a $1.5 Million goal for the Workforce Housing Relief Fund.

These funds will enable us to support more than 300 families over several months as their households and the community recovers. Funding comes from towns and foundations, as well as individual donors. 100% of donations from individuals is passed through directly to make housing payments for our neighbors.

DONATE Now

We are grateful to these major donors to the Workforce Housing Relief Fund

The Cooperative Bank of Cape Cod
Shepley Wood Products Logo
The Cooperative Bank of Cape Cod
Bayside Building Company Logo
Cape Cod and Islands Association of REALTORS logo
Eastern Bank logo
Barnstable Brewing logo

Who might qualify for assistance?

Ben

Ben is a single parent with a 13-year-old son. Ben works full-time as a bartender making about $55,000 per year. He also received $200/wk in child support, or $10,400 annually. Ben is now receiving $525 a week in unemployment. With his lower income, he is struggling to make his rent and buy the extra groceries with his son home now. Ben doesn’t think his employer is going to be able to reopen at all.

Holly

Holly works two jobs, one in housekeeping and the other as a dishwasher at a local restaurant, making $30,000 per year. Her boyfriend works for a fuel delivery company and makes $45,000 per year. Holly’s hours at her housekeeping job have been cut as the hotel is shut down, and the local restaurant has closed until further notice. Holly does not qualify for unemployment due to her immigration status. They have paid some of their rent for April, but are behind by $300, and haven’t saved anything for the $1,400 rent due May 1.

Jessica

Jessica is a self-employed artist. Since the pandemic she has had a major decrease in business coming into her gallery, had to cancel the classes that she teaches, and has had a decrease in commissioned work. Traditionally, she makes an annual income of about $50,000 per year. She has applied for a small business loan, however has not heard back if it will be approved. Jessica’s mortgage company will not agree to a forbearance plan with her at this time.

Paige

Paige has worked in sales for a national company for over 15 years. Due to Covid-19 she was one of many employees permanently laid off. Paige’s husband works full time in sales, however the business he works with is not required to offer health insurance. Paige now has to pay her full health insurance premium for her family of four, tripling their out-of-pocket costs for health insurance. Due to this increased cost, Paige and her husband are torn between health insurance for their family or making their rent payment.