Housing Payment Assistance
Get help now with rent and mortgage payments
Are you having trouble paying your rent or mortgage because of the COVID-19 pandemic? Have you lost your job or lost income during the Covid-19 health crisis? Are you at risk of becoming homeless?
You may be eligible to receive help with paying your rent or mortgage. The Massachusetts Department of Housing and Community Development (DHCD) offers two programs that can assist low-income households. Find Spanish language resources about these programs.
The Residential Assistance for Families in Transition (RAFT) and Emergency Rental and Mortgage Assistance (ERMA) programs may provide income-eligible households with up to $10,000 to pay overdue or future rent or mortgage costs. You can apply to both programs through NSCAP.
Call or email NSCAP today for answers to your questions about the programs available and for application information!
For more detailed information about the programs including eligibility guidelines, please visit Mass.gov
Contact us TODAY to apply or ask questions!
Call 978-548-5776 or email NSCAP at firstname.lastname@example.org
- There are three key factors in determining eligibility for funds:
- City of residence (Beverly, Salem, and Peabody);
- ability to prove loss of income due to COVID-19;
- AMI (click here for area median income table). A household’s AMI must be under 50% for Salem residents; under 80% AMI for Peabody residents; between 50% and 100% AMI for Beverly residents.
- Households composed of two or more people living together, one of whom is a dependent child under the age of 21. A pregnant mother qualifies if she is the head of household.
- Individuals, families with older children, couples without children, unaccompanied youth, and households of any size.
- Household must provide documentation/proof that they are currently experiencing a housing crisis:
- For households with rental arrears: Written documentation of rental arrears, demonstration of a financial hardship (reduction in revenue and/or increase in expenses) that caused the nonpayment of rent, and demonstration that payment of the arrears will allow the household to retain their housing.
- For households facing eviction: Summary Process Summons and Complaint. Tenants who have a housing subsidy and are facing eviction due to non-payment of rent must also provide proof of financial hardship that explains cause for arrears in order to receive assistance.
- For households leaving doubled-up housing: Letter from landlord or primary tenant explaining that the family must leave. This must also include the address, date, and contact name and info of person writing letter. A copy of new lease or letter of intent to rent for new apartment.
- For households leaving unsafe housing: Verification of unsafe housing conditions and copy of new lease/letter of intent to rent for new apartment.
- For households facing foreclosure or mortgage arrears: Current mortgage statement and letter from lender indicating that family is at least 30 days in arrears and at risk of foreclosure.
- For households facing utility shutoff: Utility shutoff notice and current bill.
How to Access
Complete the Pre-Application available on this page as well as all necessary forms (located below). If you have questions about the application, please contact NSCAP at the email and phone number provided below.
Tenant/Landlord Questions? Contact the Essex County Bar Lawyer For A Day Program
Call 978-500-5790 or email housingLDP@essexcountybar.net
NSCAP provides social services that enable low-income families and individuals to obtain the skills and knowledge they need to become economically self-sufficient, civically engaged, and to live in dignity and decency.
119 Rear Foster Street, Building 13
Peabody, MA 01960