Housing: Rent and Mortgage Assistance

With all the uncertainty and financial strain created by the coronavirus crisis, I want to assure you that I am working hard to make sure that you and your loved ones will not lose your homes because of this pandemic. During this national emergency, no one should be worried about keeping a roof over their head.

As part of the December 2020 Coronavirus relief package and the American Rescue Plan (ARP), Congress provided more than $46 billion dollars in rental assistance to states with roughly $2.3 billion dollars given to New York. New York State is administering these funds to New Yorkers through the NY State Emergency Rental Assistance Program (ERAP) opened on June 1, 2021

You can apply for the state’s rental assistance program here. If you need help applying, you can call the ERAP Hotline at 1-844-NY1-RENT (1-844-691-7368). Community Based Organizations are also available to assist with your application, for a list of participating organizations here.


I am also a proud cosponsor of: 

  • the Emergency Rental Assistance and Rental Market Stabilization Act of 2020, legislation to create a $100 billion emergency rental assistance fund; and
  • H.R. 6515, the Rent and Mortgage Cancellation Act of 2020 to suspend rent and mortgage payments during the COVID-19 crisis and would create a Rental Relief Fund and a Lender Relief Fund to which landlords and mortgage holders can apply to have the full cost of the suspended payments covered by the federal government

The House Democrats’ Heroes Act, if passed into law, includes $100 billion for the Emergency Rental Assistance program, a program that families and individuals can apply for to have the federal government pay their rent and utility bills during the crisis. Rental property owners of all sizes would also be able to apply for help so they can continue to cover their costs. It includes an additional $75 billion to help Americans struggling to afford their housing by providing direct assistance with mortgage payments, property taxes & insurance, and utilities. I am also working with Congresswoman Nydia Velázquez on her Ensuring Affordable Housing Security During the Coronavirus Emergency Act to suspend rent payments for everyone living in Section 8 and NYCHA housing.
Importantly, New York State has also taken action to protect renters with a moratorium on any eviction proceedings (residential and commercial) for nonpayment until August 31, 2020. The State is banning fees for late payments or missed rent payments during the eviction moratorium, and allowing renters facing financial hardship due to COVID-19 to use their security deposit as payment and repay their security deposit over time.

I commend New York State for taking these important first steps; however, government needs to go further to ensure that all New Yorkers can stay in their homes during this unprecedented crisis.  I am supporting State Senator Gianaris’s effort to expand the eviction moratorium  to a 90-day moratorium on all commercial and residential rent payments as we come to grips with the economic impact of this pandemic. This would track similar emergency proposals enacted by the Governor to allow homeowners to delay mortgage payments for up to 90 days. I am also supporting Assemblyman Joe Lentol and State Senator Brian Kavanaugh’s work to create a rental assistance voucher program for anyone who has been economically impacted by this crisis.  I am committed to getting New York State the federal aid it needs to implement these necessary programs.

Below is a roundup of resources available to renters and homeowners. 
You can also always call my office for help at 212-860-0606.


FAQ from the Federal Housing Financing Agency (FHFA) on assistance from Fannie Mae & Freddie Mac

Tenant Protection and Rent Hardship Mitigation:

To ensure New Yorkers who use Section 8 rental assistance vouchers have undisrupted access to housing, the City is taking the following steps:  

  • The City will automatically extend any Section 8 voucher set to expire. Voucher holders do not need to reach out to the City for an extension.
  • All subsidy terminations that are in process are suspended until further notice.
  • Any HPD Section 8 voucher holders facing rent hardships due to decreases in income should contact HPD.
  • NYCHA encourages households experiencing a loss of income to visit the NYCHA Self-Service Portal.
  • The HPD Section 8 team is still available by email at DTRAI@hpd.nyc.gov
  • Additional information: https://nychajournal.nyc/guidance-to-section-8-participants-on-rent-hardships 


  • Mortgage Forbearance: Homeowners with FHA, USDA, VA, or Section 184 or 184A mortgages (for members of federally-recognized tribes) and those with mortgages backed by Fannie Mae or Freddie Mac have the right to request forbearance on their payments for up to 6 months, with a possible extension for another 6 months without fees, penalties, or extra interest. Homeowners should contact their mortgage servicing company directly.
  • Eviction Protections: Renters residing in public or assisted housing, or in a home or apartment whose owner has a federally-backed mortgage, and who are unable to pay their rent, are protected from eviction for 4 months. Property owners are also prohibited from issuing a 30-day notice to a tenant to vacate a property until after the 4-month moratorium ends. This protection covers properties that receive federal subsidies such as public housing, Section 8 assistance, USDA rural housing programs, and federally-issued or guaranteed mortgages. Renters whose landlord is not abiding by the moratorium should contact the relevant federal agency that administers their housing program or their local Legal Aid office.
  • Legal Services for NYC Tenants: https://www1.nyc.gov/site/hra/help/legal-services-for-tenants.page

More on Housing: Rent and Mortgage Assistance

Sep 10, 2021 Newsletter

Dear Friend, 

It's been twenty years since 9/11/2001 – a horrific day on which we lost nearly 3,000 lives – parents, siblings, children, grandparents, friends. We still feel the pain and sorrow from the lives lost that day, and in all the days that followed. 

Aug 29, 2021 In The News

Congressional Democrats representing New York City are urging Gov. Kathy Hochul to “take the necessary actions” within her power to extend the state’s eviction moratorium, which is set to expire at the end of August, according to a letter first obtained by Spectrum News NY1.

Aug 27, 2021 In The News

More than 60 Democratic members of Congress on Friday pleaded with leadership to pass a new eviction moratorium after the Supreme Court struck down a similar freeze ordered by the Centers for Disease Control and Prevention (CDC) earlier this month.

Aug 23, 2021 In The News

Americans all across the country are dealing with the economic crises wrought by coronavirus pandemic – with too many families struggling to keep a roof over their heads. 

As a city that is home to millions of renters, New Yorkers know this pain far too well.

Mar 29, 2021 Press Release

WASHINGTON, DC – Congresswoman Carolyn B. Maloney (D-NY), senior member of the House Financial Services Committee, today praised Centers for Disease Control and Prevention (CDC) Director Rochelle P. Walensky’s decision to extend the CDC’s eviction moratorium through June 30, 2021. The moratorium will keep people in their homes and out of crowded or congregate settings, reducing the spread of COVID-19, and was originally set to expire at the end of this month.


Mar 10, 2021 Press Release

WASHINGTON, DC – Congresswoman Carolyn B. Maloney (D-NY), Chair of the Committee on Oversight and Reform, today voted with her colleagues to send the American Rescue Plan Act to President Biden for his signature.


The Congresswoman spoke on the floor Wednesday morning, urging all her colleagues to join her in voting to pass the bill. You can read those remarks, as prepared for delivery, here.


Mar 3, 2021 Press Release

WASHINGTON, DC – Congresswoman Carolyn B. Maloney (D-NY), today spoke on the floor of the House of Representatives to highlight the need for rental relief for New Yorkers and called for the swift passage of the American Rescue Plan in the Senate. The American Rescue Plan would provide more than $20 billion in emergency rental and utility assistance, building on the $25 billion provided in the December relief package.


Jul 23, 2020 Press Release

WASHINGTON, DC – Congresswoman Carolyn B. Maloney (D-NY), senior member of the House Financial Services, today proposed that renters be afforded protections equivalent to those for homeowners during the COVID crisis.

Jul 15, 2020 In The News

The New York State COVID Rent Relief Program, established by the state’s Legislature to help households experiencing rent burden due to a loss of income during the COVID-19 pandemic, will begin accepting applications this week.

The applications will be available online on New York state’s website beginning Thursday, July 16.