Apply for Rental or Mortgage Assistance Here

emergency rental assistance


Community Teamwork is pleased to offer new financial assistance programs for our families impacted by the recent Covid-19 pandemic. The Emergency Rental and Mortgage Assistance (ERMA) program funded by the Massachusetts Department of Housing & Community Development and the federally funded Emergency Rental Assistance Program (ERAP) can provide up to 18 months of rent payments and up to $2,500 in fuel assistance for qualified families and individuals.

Tenants, landlords and homeowners may apply.


in Rental or Mortgage Assistance provided this year


individuals provided with Rental or Mortgage Assistance


applications submitted through our new online option

RAFT/ERMA/ERAP Maximum Annual Income Eligibility – 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.

In order to be eligible for mortgage assistance, 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
Household SizeAnnual Income Limit


If you think you might be eligible for RAFT or ERMA or ERAP, complete the online Massachusetts Emergency Housing Payment Assistance Application.


You will need the following documents to submit your application:

  • Photo ID (required in order to submit OR a copy of your birth certificate)
  • ID for the head of household
  • Proof of housing crisis (for example an eviction notice or letter saying you are behind on rent)
  • Proof of housing (for example a lease or mortgage)
  • Proof of income (for example paystubs)

For landlords, a tenant consent form will be needed.

CTI cannot accept paper applications unless there are extenuating circumstances.

We do recognize there will be circumstances that someone will need a paper application however this has to be done through the Resource Center who is helping the RAFT program by discussing these circumstances with the client. When a client needs help completing a RAFT application because they do not have access to technology, we have staff who can assist them by appointment only. Clients must contact the Resource Center 978-459-0551 who will guide them in the right direction.

Additional Resources:


Landlords should be aware that Chapter 151B of the Massachusetts General Laws prohibits discrimination by a landlord against any tenant receiving federal, state, or local housing subsidies, including rental assistance or rental supplements, because the individual is such a recipient.

A landlord’s refusal to accept emergency rental assistance, that covers the entire amount owed to the landlord, may, in some circumstances, constitute a violation of Chapter 151B. Landlords should consult their own legal counsel for advice before declining rental assistance that covers all outstanding rent arrears.

  • Name
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Tom Sun

Housing Supports, RAFT/ERMA/ERAP
Phone: 978.459.0551 or 978.654.5607 or (978) 654-5617

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