Emergency Rent and Mortgage Assistance during Covid

Community Teamwork is pleased to offer new financial assistance programs for our families impacted by the recent Covid-19 pandemic and state of emergency. The Emergency Rental and Mortgage Assistance (ERMA) program funded by the Massachusetts Department of Housing & Community Development provides up to $4,000 of direct funding to eligible households.

Trouble Making Ends Meet? At risk of losing your home due to COVID-19?

If you think you might be eligible for RAFT or ERMA, download/complete the online application HERE

Community Teamwork is pleased to offer new financial assistance programs for our families impacted by the recent Covid-19 pandemic and state of emergency. The Emergency Rental and Mortgage Assistance (ERMA) program funded by the Massachusetts Department of Housing & Community Development provides up to $4,000 of direct funding to eligible households.

ERMA can help to fund payments with rent or mortgage arrears accrued no earlier than April 1, 2020 or upcoming rent or mortgage payments.

In order to be eligible for ERMA, a household must:

· currently rent or own housing as a primary residence in Massachusetts

· have a gross household income that is between the 50% and 80% Area Median Income (AMI)

· have a housing emergency due to a financial hardship related to or exacerbated by the COVID-19 crisis

Maximum Annual Income Eligiblity – Middlesex and Essex Counties

Annual Income Limits apply to the Merrimack Valley and include the following cities/towns: Amesbury, Andover, Billerica, Chelmsford, Dracut, Dunstable, Groveland, Haverhill, Lawrence, Lowell, Merrimac, Methuen, Newburyport, No. Andover, Tewksbury, Tyngsboro, West Newbury, Newburyport, Salisbury and Westford

Household Size

Annual income limit (80%AMI)

        1        $54,950
        2       $62,800
        3        $70,650
        4       $78,500
        5       $84,800
        6        $91,100
        7        $97,350
        8      $103,650

AMI Limits Worksheet

REQUIRED INCOME AND EXPENSE DOCUMENTS FOR RAFT

If you think you might be eligible for RAFT or ERMA, download/complete the application online HERE

Or copy and paste this into your browser:

https://www.cognitoforms.com/CommunityTeamwork1/CommunityTeamworkRAFTApplication

 

To Learn more about Community Teamwork’s Housing Consumer Education Center (HCEC), one of nine across the Commonwealth, click HERE

 

 

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