Housing and energy

Housing and energy

Housing and energy

Do you need help paying your mortgage, rent, Internet, or home energy bills due to the pandemic?

If you have lost your job or income due to impacts from the COVID-19 pandemic, you may qualify for housing assistance.

Rental assistance

If you’re a renter having trouble paying your rent, utilities, or other housing costs – or if you’re a landlord trying to stay afloat with tenants in this situation – help may be available. State and local programs are distributing billions of dollars in rental assistance to help renters stay housed during the pandemic.

Visit the CFPB’s Rental Assistance Finder to find out what this means for you and what you can do. The CFPB’s site also includes resources to help renters and landlords understand other resources to help navigate various financial hardships related to the pandemic.

Learn about state or local emergency rental assistance programs that can help you pay your rent. If you live in a rural area, you may qualify for rental assistance from the Housing and Community Facilities Programs.

Note on evictions. There is currently no federal law that protects renters from being evicted. The full federal eviction moratorium ended July 31, 2021, and the temporary extension ended October 3, 2021.

Mortgage assistance

Home owners may have the option to request a pause or reduction of their mortgage payments for up to 180 days. They also have the right to request and obtain an extension for up to an additional 180 days (a total of 360 days).

To access this assistance, ask your mortgage company for a forbearance plan due to financial hardship related to the pandemic. A plan will delay, not eliminate, your mortgage payments. Be sure to discuss details on repayment arrangements, for example, to extend the loan period to make up for skipped payments.

Learn more about mortgage relief options from the Consumer Financial Protection Bureau.

Help with energy bills

You might qualify for assistance from the Low Income Home Energy Assistance Program (LIHEAP), a federally funded program that helps low-income households with their home energy bills. Each state operates their own LIHEAP program with their own eligibility guidelines. Find details about your State LIHEAP Program.

For information on where you can apply for LIHEAP, contact the National Energy Assistance Referral project by phone or e-mail:

  • Call toll-free at 1-866-674-6327 Monday through Friday, from 7 a.m.- 5 p.m. (Mountain Time)
  • Send an e-mail to: energy@ncat.org

Help with Internet bills

If you have a low income or participate in other government assistance programs, you might be able to get help paying your Internet bill from the Affordable Connectivity Program. The program provides a discount of up to $30 per month toward internet service for eligible households and up to $75 per month for households on qualifying Tribal lands.

Visit the Affordable Connectivity Program Frequently Asked Questions or call the ACP Support Center at (877) 384-2575 to learn more.