Emergency Rental and Mortgage Assistance from Illinois Housing Development Authority

The Illinois Housing Development Authority is offering emergency rental and mortgage assistance to help Illinois residents during COVID-19.

The Illinois Housing Development Authority (IHDA) will soon be offering emergency rental and mortgage assistance to help Illinois residents during COVID-19.

The Illinois General Assembly has dedicated $396 million in Coronavirus Relief Funding to IHDA to fund affordable housing grants for emergency rental assistance and emergency mortgage assistance.

When to Apply:

  • IHDA will accept Emergency Rental Assistance Program applications August 10 through August 21.
  • IHDA will accept Emergency Mortgage Assistance Program applications August 24 through September 4.

Please see below for more information, videos, and printable flyers on IHDA’s Emergency Rental Assistance (ERA) and Emergency Mortgage Assistance (EMA) Programs.

Contents

Click a link below to quickly go to a specific section!

  1. Emergency Rental Assistance Program
  2. Emergency Mortgage Assistance Program
  3. ERA and EMA Background

Emergency Rental Assistance Program

Summary

The Emergency Rental Assistance (ERA) program will give $5,000 to renters impacted by COVID-19 for back rent and prepay through 2020.

  • IHDA will accept Emergency Rental Assistance Program applications August 10 through August 21.
  • You must have an unpaid rent balance that began on or after March 1, 2020 due to loss of income related to COVID-19 pandemic.

For more information, please see the video links and flyers below or go to https://era.ihda.org/.

To apply, please click the button below.

Return to Table of Contents


Videos

Emergency Rental Assistance Video

Programa de Asistencia de Renta Video

Return to Table of Contents


Flyers




Emergency Mortgage Assistance

Summary

The Emergency Mortgage Assistance (EMA) program will provide homeowners impacted by COVID-19 up to $15,000 to reinstate their mortgage and prepay through 2020.

  • IHDA will accept Emergency Mortgage Assistance applications August 24 through September 4.
  • You must have a past due balance or a forbearance balance that began sometime on or after March 1, 2020 due to loss of income related to the COVID-19 pandemic.

For more information, please see the videos and flyers below or go to https://ema.ihda.org/.

To apply, click the button below.

Return to Table of Contents


Videos

Emergency Mortgage Assistance Video

Asistencia Hipotecaria de Emergencia Vídeo

Return to Table of Contents


Flyers


Return to Table of Contents


ERA and EMA Program Background

Chicago COVID-19 Rental Assistance: Apply by August 14th

COVID-19 Rental and Mortgage Assistance applications will now be accepted until Monday, August 14th at 11:59PM.

Photo by Ryan Maia

The City of Chicago recently announced an additional $25 million in COVID-19 rent and mortgage relief funding this month for Chicagoans impacted by coronavirus.

Deadline: COVID-19 Rental and Mortgage Assistance applications will be accepted from Monday, July 27 at 10:00AM until Friday, August 14th at 11:59PM.

Note: The original deadline was Monday, August 10th. It has been extended to Friday, August 14th.

A lottery (randomized) system will be used to select applications that will receive funding through this program.

This is intended to create a level equity and fairness. A first come, first serve system would favor applicants who happen to be more experienced using the Internet or who have all the required documents readily available.

Since a lottery system will be used, applicants who apply first will not receive higher priority.


Apply

To learn more and apply online, click here.

You can also apply in person at one of six Chicago Community Service Centers:

  1. Englewood Community Service Center
    • 1140 West 79th Street, Chicago, IL 60620, 312-747-0200
    • Monday-Friday, 9 a.m. to 5 p.m.
  2. Garfield Community Service Center
    • 10 South Kedzie Avenue, Chicago, IL 60612, 312-746-5400
    • Monday-Friday, 9 a.m. to 5 p.m.
  3. Dr. Martin Luther King Jr. Community Service Center
    • 4314 South Cottage Grove, Chicago, IL 60653, 312-747-2300
    • Monday-Friday, 9 a.m. to 5 p.m.
  4. North Area Community Service Center
    • 845 West Wilson Avenue, Chicago, IL 60640, 312-744-2580
    • Monday-Friday, 9 a.m. to 5 p.m.
  5. South Chicago Community Service Center
    • 8650 South Commercial Avenue, Chicago, IL 60617, 312-747-0500
    • Monday-Friday, 9 a.m. to 5 p.m.
  6. Trina Davila Community Service Center
    • 4312 West North Avenue, Chicago, IL 60639, 312-744-2014
    • Monday-Friday, 9 a.m. to 5 p.m.

Deadline: COVID-19 Rental and Mortgage Assistance applications will be accepted from Monday, July 27 at 10:00AM until Monday, August 14th at 11:59PM.


More Info

Required Documents: The City of Chicago will ask for documentation to verify identity, social security number, income amount, and proof of housing. For more information about required documents, click here.

Frequently Asked Questions: For answers to Frequently Asked Questions about the City of Chicago’s COVID-19 Rental and Mortgage Assistance Program, click here.

Expanded Financial Relief for Illinoisans

Illinois households with income up to 200% of the federal poverty level are now eligible to receive assistance with utility bills, rent, temporary shelter, food, and other household necessities.

The State of Illinois just authorized an expansion of the Low-Income Energy Assistance Program (LIHEAP) and Community Services Block Grant (CSBG) program. This expansion will help Illinoisans get emergency assistance to cover costs of utility bills, rent, temporary shelter, food, and other household necessities.

Households with income up to 200% of the federal poverty level are now eligible to receive financial assistance. Increased income eligibility thresholds aim to assist additional households needing support due to COVID-19.

Here are the services covered by this newly expanded financial relief:

Here is the income eligibility chart for these expanded services:

Family Size
(total number in household)
30-Day Income
Total to Meet Eligibility​
1$2,127
2$2,873
3$3,620
4$4,367
Add $747 monthly income per person above 4 people

This new funding means approximately 1 million more residents are now eligible for this program – with about 3.5 million residents eligible in total. For an average family, that amounts to hundreds of dollars.

What documentation do I need to prove eligibility? For each household member, please have the following documents ready to confirm eligibility with your LAA or CAA:

  • Social security card
  • Proof of past 30-day income (such as a paystub, check, or copy of check showing fixed income amount [e.g. SSA, VA, DHS benefits] or other proof of documentation for any income source)
  • Utility bill if seeking utility bill assistance or lease if seeking rental assistance

Residents seeking emergency relief can visit helpillinoisfamilies.com to determine their eligibility and submit a pre-application.

COVID-19 Eviction Resources from Legal Aid Chicago

COVID-19 has unfortunately caused widespread job loss. As a result, many Chicagoans are struggling to keep up with their rent payments. Legal Aid Chicago has created resources to assist Cook County residents faced with this challenge.

COVID-19 has unfortunately caused widespread job loss. As a result, many Chicagoans are struggling to keep up with their rent payments. Legal Aid Chicago has created resources to assist Cook County residents faced with this challenge.

Continue reading “COVID-19 Eviction Resources from Legal Aid Chicago”