Facing an eviction notice or struggling to make rent can feel overwhelming, but you’re certainly not alone. Millions of Americans have found themselves in similar situations, especially since the pandemic reshaped our economy. Fortunately, emergency rental assistance programs exist across the country, offering real help when you need it most.

While the landscape of available programs has shifted since the federal Emergency Rental Assistance Program wound down in many states, local and state programs continue to provide crucial support. Understanding where to look and how to apply can make the difference between keeping your home and facing displacement.

Understanding Emergency Rental Assistance

Emergency rental assistance programs help cover rent, utilities, and related housing costs for people experiencing financial hardship. These programs can pay past-due rent (arrears), current rent, and sometimes future rent payments to prevent eviction.

Most programs prioritize households earning 80% or less of their area’s median income, though some focus on families making 50% or less. For context, a family of four in many metropolitan areas could qualify with an annual income of $60,000-$80,000, depending on local costs.

What Costs Are Covered

Beyond rent, many programs also cover:

• Past-due utilities and energy costs

• Late fees and court costs related to eviction proceedings

• Moving expenses and security deposits for new housing

• Internet services needed for work or education

Where to Find Help

Start With 211

The easiest first step is calling 211 from any phone. This free service connects you with local specialists who know what programs are available in your area. United Way’s 211 service operates 24/7 and can provide information in multiple languages.

“When you call 211, you’re talking to someone who understands the local landscape,” explains housing counselor Maria Rodriguez. “They know which programs have funding and which ones have the shortest wait times.”

Check State and Local Programs

Many states continue operating rental assistance programs using federal recovery funds or state money. Colorado, for instance, runs the Colorado Emergency Rental Assistance program with monthly application windows and random selection processes.

Pennsylvania maintains its Emergency Rental Assistance Program through county-level agencies, while Massachusetts offers the RAFT program providing up to $7,000 per household annually.

Contact HUD-Approved Housing Counselors

HUD-approved housing counseling agencies provide free guidance and can help you navigate application processes. These counselors understand local resources and can assist with budgeting, landlord negotiations, and long-term housing stability planning.

Call (800) 569-4287 to find a counselor near you who offers rental assistance guidance.

How to Apply Successfully

Gather Required Documents

Most applications require similar documentation:

• Proof of income for all household members

• Lease agreement or rental documentation

• Past-due rent notices or eviction papers

• Utility bills and shut-off notices

• Photo identification for household members

Document Your Hardship

Programs typically require proof of financial hardship from qualifying events such as job loss, medical emergencies, or reduced income. This might include:

• Unemployment benefits documentation

• Letters from employers about reduced hours or job loss

• Medical bills or disability documentation

• Death certificates if you’ve lost a household member

Be Prepared for Different Processes

Each program has unique requirements. Some use lottery systems with specific application windows, while others operate first-come, first-served. Prince George’s County, Maryland, requires court documents for higher-income applicants but allows lower-income families to apply with just an eviction summons.

Real-World Application Tips

Don’t Wait for Perfect Documentation

Many programs accept alternative documentation if you can’t get official papers. Letters from landlords, employers, or utility companies often suffice. Some programs use self-attestation for certain information when traditional documents aren’t available.

Apply to Multiple Programs

You can typically apply to different programs simultaneously, though you can’t receive duplicate assistance for the same costs. Cast a wide net – local nonprofits, faith-based organizations, and community groups often have smaller emergency funds with quicker processing times.

Stay in Communication

Once you apply, respond quickly to requests for additional information. Many programs have strict deadlines for document submission, and missing these can result in denial.

Alternative Resources

Community Organizations

Local churches, community action agencies, and nonprofits often provide emergency assistance. The Salvation Army, Catholic Charities, and similar organizations frequently help with rent and utilities.

Utility Assistance Programs

If utility bills are part of your housing crisis, contact your local Low Income Home Energy Assistance Program (LIHEAP) office or call the National Energy Assistance Referral Hotline at (866) 674-6327.

Legal Aid

If you’re facing eviction, contact local legal aid organizations. Many areas have tenant rights hotlines and eviction prevention programs that work alongside rental assistance.

Looking Ahead

Plan for the Future

While emergency assistance can provide crucial breathing room, use this time to create a longer-term plan. Housing counselors can help you budget, understand your lease rights, and potentially find more affordable housing.

Know Your Rights

Understanding tenant protections in your state can help prevent future crises. Many areas have moratoriums on certain types of evictions or require specific notice periods.

Key Takeaways

• Call 211 first – it’s free and connects you with local specialists who know current programs

• State and local programs continue operating even though many federal programs have ended

• Apply to multiple programs simultaneously, but be honest about any assistance already received

• HUD housing counselors provide free guidance at (800) 569-4287

• Gather income proof, lease documents, and hardship documentation before applying

• Many programs accept alternative documentation like employer letters if official papers aren’t available

• Community organizations and utility assistance programs can supplement government help

• Use assistance time to create long-term housing stability plans with professional guidance