Emergency Rental Assistance Program

What does the Emergency Rental Assistance Program do?
The program helps households who have lost income due to COVID-19 receive funding to prevent being evicted from their homes because of an inability to pay their rent.

Who should be eligible to apply for ERAP?
The affected member must be named on the lease and be legally and financially responsible for the lease. We recommend your PHA require the following to be eligible:
  • Be 18 years of age or older
  • Have their name on the lease
  • Have either lost their job or are experiencing financial hardships due to COVID-19

Should we consider citizenship status for applicants?
We recommend checking your existing local policy to see if it is required. If no local policy exists, ERAP regulations are silent on citizenship status.

What information should be requested from the online application?
The application should collect enough information to verify the identity of the applicant, as well as to prevent duplicate payment approvals. At minimum, we recommend requesting the applicant’s full name and date of birth. You may want to request the social security number, but if you do, ensure that you have appropriate systems in place to limit access and visibility of the SSN.

The application should ask the applicant questions to determine how they were impacted by COVID-19. Questions may cover such topics as:
  • What was the impact?
  • What is the timeline of the impact?
  • What supporting documents must the applicant provide to support their impact claim?

The applicant should also ask key questions about the applicant’s unit, such as:
  • Lease information
  • Rent 
  • Property owner information

Determine if you will cover charges in addition to the “base rent”?
For leases that include additional charges (e.g. washer and dryer, parking, alarm monitoring service, pet rent) you will need to consider if you will include these additional charges in the reimbursement amount.

Where should the ERAP money be sent?
Funds should be sent directly to the property owner, court, or court marshals. You will need to collect a W-9 for the property owner for each tenant. 

How much assistance will you provide and for how many months?
PHAs should look at their budget and put a ceiling on the number of funds each family can receive. You may also want to consider whether to cap the maximum number of months for which assistance can be paid.

Determine how you will prove ownership of a given property. 
Can you rely on the local tax assessor service? Will you utilize IRS records? What documentation will you require from the property owner to prove that they are the legal owner of the rent property?

How will you accept applications for ERAP funds?
You will need to determine if you will be accepting electronic or paper applications. Your system will need to be able to stand up to potential audit. 

Also consider how you will rank applications. Will you use a first come first served model, or a lottery? How will you determine that an application is complete? What happens if an applicant submits an application, but does not provide all supporting documentation? Will their place in line be “held,” or will their place be held only when all required information is provided?

How will you provide support to applicants?
Will you offer a call center? In person services? How will you support those who need assistance completing their application?


Still need help launching your ERAP? NMA can administer the entire process for you, from a call center to provide applicant support, to a review team who can review and approve applications. We will work hand-in-hand with your agency to execute a successful, compliant ERAP.

Contact us at 800-783-3100 or sales@nanmckay.com

Contact Us

1810 Gillespie Way, Suite 202 
El Cajon, CA 92020
Phone: 800-783-3100
Fax: 619-258-5791
Email: sales@nanmckay.com

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