I can only imagine the stress of receiving an eviction notice, whether it’s due to job loss, chronic health problems, unexpected medical bills, or other financial setbacks that make it impossible to keep up with rent. The shame can feel overwhelming, but you’re not alone – and more importantly, help is available if you know where to look.

If you’re facing housing instability, whether it’s catching up on back rent or finding help with your security deposit, there are resources out there. The trick is knowing how to navigate the system effectively.

Start with Government Programs

Federal Emergency Rental Assistance

The federal government allocated $46.55 billion for rental assistance during the COVID-19 pandemic through the Emergency Rental Assistance Program. While many ERA1 programs have ended, some ERA2 programs remain active through September 2025. You can find your local program through the Treasury Department’s ERA program website, which provides information about your area’s resources.

Most federal programs cover:

• Past-due rent (sometimes up to 18 months)
• Current rent payments
• Utilities and internet bills
• Late fees and court costs

Section 8 Housing Choice Vouchers

While Section 8 waitlists can be long, it’s worth getting on them. Contact your local Public Housing Authority to apply. Some areas have emergency vouchers available with shorter wait times.

LIHEAP Energy Assistance

The Low Income Home Energy Assistance Program doesn’t just help with utilities – many states use LIHEAP funds for housing assistance too. Find your state’s program through the LIHEAP state contacts directory.

Tap Into Local Resources

Community Action Agencies

These are goldmines for rental assistance. Many Community Action Agencies offer emergency rental grants ranging from $500 to $2,000 with straightforward application processes. Use the Community Action Partnership directory to locate yours.

211 Services

Dialing 2-1-1 from any phone connects you to local resources. The operators are trained to match you with available programs in your area. Don’t hesitate to call multiple times, as different operators may have varying information.

Faith-Based Organizations

Even if you’re not religious, many churches and religious organizations offer rental assistance to community members. The Salvation Army, Catholic Charities, and local churches often have emergency funds. A friend found her synagogue’s assistance program helped with her security deposit when she had to relocate.

Explore Nonprofit and Charitable Options

United Way

Your local United Way chapter likely maintains a comprehensive database of assistance programs. Their website locator helps you find nearby chapters, and many offer direct rental assistance or can connect you with organizations that do.

Local Housing Nonprofits

Search online for “[your city] housing assistance nonprofit” or “[your county] rental help.” These organizations often have streamlined applications and faster processing times than government programs.

Mutual Aid Networks

Facebook groups and community boards often have mutual aid networks where neighbors help neighbors. Search for “[your city] mutual aid” or “[your neighborhood] community support” groups.

Know What Documentation You’ll Need

Being prepared speeds up the application process significantly. Most programs require:

• Proof of income (pay stubs, unemployment benefits, Social Security statements)
• Lease agreement or rental documentation
• Past-due rent notices or eviction papers
• Utility bills
• Bank statements
• Government-issued ID

Keep copies of everything in a dedicated folder, both physical and digital copies stored on your phone or computer. Having documentation ready allows you to apply immediately when you find a program that can help, instead of scrambling to gather paperwork.

Application Tips That Actually Work

Apply to Multiple Programs Simultaneously

Don’t put all your eggs in one basket. Applying to multiple programs increases your chances of getting help – some applicants hear back from three out of six applications. Some programs specifically state you can receive assistance from multiple sources.

Be Honest and Complete About Your Situation

Program administrators have seen every situation imaginable. Being upfront about your circumstances helps them match you with the right resources. Explaining your situation thoroughly can sometimes lead caseworkers to connect you with additional programs like job training or other support services.

Follow Up Regularly

Processing can take weeks. Calling every program you’ve applied to weekly for updates can help move things along. The squeaky wheel really does get the grease.

Document Everything in Writing

If someone promises assistance over the phone, ask for email confirmation. Program rules and funding can change quickly.

When Time Is Running Out

If you’re facing immediate eviction, contact your local courthouse. Many areas have eviction diversion programs that can pause proceedings while you seek assistance. Some landlords are willing to work with tenants who can show they’ve applied for rental assistance.

Legal aid organizations also provide free representation for housing issues. Find yours through the Legal Services Corporation locator.

Key Takeaways

• Start with federal programs and work your way down to local resources
• Apply to multiple programs simultaneously – you’re not limited to one source of help
• Keep all documentation organized and readily available
• Use 2-1-1 services and United Way as starting points for local resources
• Don’t overlook faith-based organizations and community nonprofits
• Be persistent with follow-ups and honest about your situation
• Seek legal help if eviction proceedings have already started