Disaster Financial Assistance with Food, Housing, and Bills

During the coronavirus pandemic, you may qualify for additional help with food and bills. Learn about mortgage and rental relief. And find out how the CARES Act can help your family

Coronavirus (COVID-19) Stimulus Checks for Individuals

The Internal Revenue Service (IRS) is issuing one-time stimulus checks for many individuals. These payments are authorized under the Coronavirus Aid, Relief, and Economic Security (CARES) Act signed into law on March 27, 2020.

The IRS has been sending out payments by direct deposit and paper check. In late May, it started issuing payments on prepaid debit cards.

Learn About Stimulus Payments Sent Via Prepaid Card

The Treasury Department announced May 18 that almost four million stimulus payments will go out as prepaid Visa debit cards. Watch this Economic Impact Payment Prepaid Cards video to learn about activating and using the card.

Check Payment Status or Provide Direct Deposit Information to the IRS

Go to the IRS page Get My Payment to check your payment’s status. For more information on what the payment status codes mean, see the IRS stimulus payment information center.

In some cases, you can also enter your direct deposit information in the Get My Payment tool. For help, see the questions and answers about entering banking information into the tool. You can also check the "Update your bank account or mailing address" section on the Economic Impact Payments page.

Most People Don’t Need to Do Anything to Get Their Stimulus Check

You will not have to do anything to receive your payment by direct deposit or check if:

Some Non-Filers Must Provide Information to Get Their Stimulus Check

Some people who aren’t required to file a tax return must provide basic information to the IRS to get their check. These include very low-income workers and some veterans. If you think you’re in this category, go to the IRS page Non-Filers: Enter Payment Info Here

Income Eligibility for Coronavirus Stimulus Checks

  • Individuals, including Social Security recipients, earning $75,000 or less will receive a $1,200 payment.

  • Married couples filing joint returns with incomes of $150,000 or less will receive a $2,400 payment.

  • People with incomes higher than those levels will receive partial payments. Individuals earning more than $99,000 and couples earning more than $198,000 will not receive any payment, unless they have children.

  • Parents of qualifying children will get a one-time payment of $500 per child.

CARES Act Provides Relief for Individuals and Businesses

The Coronavirus Aid, Relief, and Economic Security (CARES) Act, or stimulus package, was signed into law on March 27, 2020. It offers help in many forms for individuals and businesses affected by the coronavirus (COVID-19) pandemic. 

Help for Individuals: Stimulus Checks

The Internal Revenue Service (IRS) will be issuing one-time payments for many individuals starting in late April 2020. Most people won’t have to do anything to get their stimulus check. Find out if you qualify for a stimulus payment, if you’ll have to do anything to get it, and when you might receive it. 

Help for Individuals: Expansion of Unemployment Benefits

The CARES Act expands eligibility, amount, and duration of benefits for people impacted by the coronavirus. Read about those and other coronavirus-related changes to unemployment benefits.

Home Loan Relief: Federally-Backed Mortgages

Single family homeowners with federally-backed mortgages get two types of financial help:

  1. Protection from eviction and foreclosure through mid-May

  2. Reduced or postponed mortgage payments for up to a year

Renter Relief: Multi-Family Homes With Federally-Backed Mortgages

If you live in an apartment building with a federally-backed mortgage, you're safe from eviction till late July. Read more about that and about renter relief from some  states.

Credit Report Protection

If you're affected by the coronavirus pandemic, you can ask a creditor to make an accommodation to defer or modify your payments. If you follow that agreement, your creditor cannot change your credit report status; if you were up-to-date in your payments before the accommodation, your creditor must still report you as current. If you were delinquent in your payments before the accommodation, your creditor will continue to report you as delinquent until you bring the account current.  

Federal Student Loan Relief

Federal student loan payments are suspended from March 13 to September 30, 2020. Your payments will automatically stop during this period.

Help for Businesses: Small Business Administration Loans

The CARES Act creates or boosts programs designed to keep small businesses afloat. 

Help for Businesses: Payroll Tax Credit for Businesses of All Sizes

The Employee Retention Credit allows businesses of all sizes to receive a tax credit for keeping employees on their payroll. It will refund 50% of up to $10,000 in wages paid by businesses impacted by the coronavirus pandemic. Businesses that take small business loans are not eligible.  

Food Programs Ease Rules for Coronavirus Pandemic

You may now have an easier time getting food through government meal programs. During the coronavirus emergency:

  • Food stamp (SNAP) recipients may receive supplemental funding

  • Parents can pick up school meals for their kids to eat at home

  • People can enroll in food programs remotely rather than in person. This applies to programs for pregnant women, families, seniors, and people with disabilities.

Read about these and other government meal program adjustments during the coronavirus pandemic. To enroll or get other information:

For more information on school meals, check your child's school or school district website.

Temporary Mortgage Relief Due to Coronavirus Pandemic

In response to the coronavirus pandemic, under the CARES Act, the owners of single-family homes with federally-backed mortgages can get two types of financial help.

Eviction and Foreclosure Moratorium

An eviction and foreclosure moratorium that went into effect on March 18, 2020, has been extended through June 30, 2020. During that time, homeowners:

  • Will not be charged late fees

  • Will not be evicted from their homes

Lenders:

  • Will not initiate foreclosure proceedings

  • Will suspend foreclosure proceedings already in process

Mortgage Forbearance

Federally-backed home loans can get six months of mortgage help. Federal Housing Administration (FHA) reverse mortgages are eligible too.

If you're having trouble making payments because of the coronavirus pandemic, your loan servicer must:

  • Defer or reduce your payments for six months if you contact your loan servicer to make arrangements

  • Give you another six months of mortgage relief at your request

  • Offer options for how you can make up the deferred or reduced payments. They will discuss these options with you at the end of your forbearance period.

Make sure you know your rights before you contact your loan servicer. Read this consumer relief guide to mortgage payment forbearance and foreclosure protection under the Federal CARES Act

If you don't know whether your mortgage is federally-backed, see a list of federal agencies that provide or insure mortgages. You can also check the Fannie Mae loan lookup and the Freddie Mac loan lookup to see if either one owns or backs your mortgage. Together, Fannie Mae and Freddie Mac own nearly half of all mortgages in the U.S. 

Temporary Rental Relief for Many Affected by the Coronavirus Pandemic

If you live in an apartment building with a federally-backed mortgage and you can't pay your rent because of the coronavirus pandemic, the CARES Act makes you safe from eviction till late July.

  • You're covered by a 120-day eviction moratorium for not paying rent. The moratorium started on March 27, 2020.

  • You can’t be charged late fees or penalties for not paying rent during this time.

Check with your property manager for information on who owns your building and whether the mortgage is federally-insured.

Help From States for Properties With Non-Federally Backed Mortgages

If the mortgage isn’t federally-insured, you may be protected by your state. Many states have their own moratoriums on evictions because of the coronavirus pandemic. Check the website of your state government or state courts to find out.

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Last Updated: May 20, 2020

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