As of November 9, 2020, Minnesota has $30 million remaining from an original allotment of $100 million in federal Coronavirus Aid, Relief, and Economic Security (CARES) Act funds to distribute to homeowners (and renters) who've been economically impacted by the COVID-19 national emergency.
The state's COVID-19 Housing Assistance Program offers eligible homeowners money for their mortgage payments, among other things. Assistance is distributed on a first-come, first-serve basis, with no deadline to apply. But whatever money is leftover at year's end, if any, will likely be returned to the federal government.
Minnesota's COVID-19 Housing Assistance Program provides funds to eligible residents to cover:
At this time, the amount of money you can receive isn't capped, but is subject to program fund availability. You can get housing assistance only for an eligible expense, and you'll have to provide supporting documentation that verifies the balance you owe.
This program is for residents of Minnesota who meet all of the criteria listed below.
Homeowners with federally backed mortgages might not be eligible for assistance from Minnesota's COVID-19 Housing Assistance Program. But under the federal CARES Act, a homeowner with a federally backed mortgage loan, regardless of delinquency status, who's experiencing a financial hardship that's due directly or indirectly to COVID-19, can get a forbearance of up to 360 days. Federally backed mortgage loans include loans owned or guaranteed by the Federal Housing Administration (FHA), Department of Veterans Affairs (VA), United States Department of Agriculture Rural Development (USDA), Fannie Mae, and Freddie Mac.
Also, homeowners with federally backed mortgages are protected from foreclosure until December 31, 2020.
To apply for assistance from Minnesota's program, you need to:
To get additional details about this process and find out exactly what documentation you'll need to provide along with your application, visit Minnesota Housing's COVID-19 Housing Assistance Program website.
If it turns out you're not eligible for housing assistance from this program, you'll be connected with other resources, if available. Go to the Resources for Renters and Homeowners section of Minnesota Housing's COVID-19 website for a list of additional resources.
Be aware that if you're denied assistance from Minnesota's COVID-19 Housing Assistance Program, you can appeal the decision. Contact the grant administrator to request an appeal, either in writing or orally, within ten days of your denial letter's date. The grant administrator will then assign personnel to review your appeal request. If, after review, your application is determined eligible, you'll get assistance based on the time and date of your original application submission. Otherwise, you'll receive another denial letter with the reasons for upholding the denial.
The grant administrator will complete the appeal review within five business days of getting your request for appeal. If your appeal is successful, your ability to receive assistance depends on whether any funds remain available. So, even if you prevail on your appeal, you might not get any money.
Also, you can apply more than once if you have new, eligible, unpaid housing bills.
To get more information about Minnesota's COVID-19 Housing Assistance Program, call 211, 800-543-7709, or 651-291-0211. Multilingual staff is available to answer questions from 8:00 a.m. to 8:00 p.m., Monday through Friday.
Effective date: November 9, 2020