See if the CARES Act still protects you from rental fees or evictions
Most CARES (Coronavirus Aid, Relief, and Economic Security) Act protections expired at the end of 2020.
But if your landlord is receiving forbearance, or if your landlord is trying to charge you fees for the period between March 27 and July 24, 2020, you may still be entitled to help under the CARES Act.
How you’re protected
CARES Act protections apply if:
- You or your landlord get a federal rent subsidy, including rental assistance programs like vouchers and grants
- Your landlord is getting CARES Act mortgage relief
If the CARES Act applies, your landlord can’t:
- Charge late fees from between March 27 and July 24, 2020
- Evict you because you didn’t pay rent, late fees, or charges from that period
Your landlord can still sue or evict you to collect rent, fees, and charges from before March 27, 2020 or after July 24, 2020.
Find out if the CARES Act applies to you
The CARES Act applies to “covered housing,” which falls into two categories:
- Public housing
- Section 236 or 538 multifamily housing
- Section 8 project-based housing
- Section 8 housing choice vouchers
- McKinney-Vento homeless assistance grants
- Housing Opportunities for Persons with AIDS (HOPWA)
- Low-Income Housing Tax Credit Program (LIHTC) for landlords
- Section 8 moderate rehabilitation
- Section 811 housing for people with disabilities
- Section 202 housing for the elderly
- Below Market Interest Rate (BMIR) housing
- Rural Development multifamily housing programs, grants, or vouchers
If you’re not sure:
- Contact Housing and Urban Development (HUD) at (800) 955-2232, 9 a.m. – 5 p.m. E.S.T., Monday through Friday, or
- Use HUD’s .
- You can also visit the National Low-Income Housing Coalition’s .
This includes mortgages backed by:
- Fannie Mae and Freddie Mac (FHFA)
- Federal Housing Administration (FHA), Veterans Administration (VA), Department of Housing and Urban Development (HUD), and U.S. Department of Agriculture (USDA)
Talk with your landlord to find out what kind of mortgage they have.
If you live in a building with five or more units
You can use these tools to find out if your building has a federally backed mortgage:
- You can enter your address into . For support, call the Fannie Mae Helpline at (877) 542-9723.
- Or use . For support, call the Freddie Mac Helpline at (800) 404-3097.
- Use HUD’s .
If you live in a building with four units or less
More eviction help
Sign and send the CDC Declaration to your landlord
You may have the right to stay in your home. It is up to you to take the steps to make that happen, according to the order from the Centers for Disease Control and Prevention (CDC).
Find out if your state and local government is stopping evictions
Some state and local governments have put limits on evictions to help prevent the spread of the coronavirus.
Facing eviction? Find out if you’re in covered housing
If you live in a building with five or more units and your landlord is getting CARES Act mortgage relief, they can’t evict you for rent or late fees and charges.