How Will the American Rescue Plan Help Housing?

How Will the American Rescue Plan Help Housing?

The American Rescue plan has been set in motion to help ensure that Americans recover from the effects of the covid pandemic. Have you been affected by the virus that swept through our nation?

You may be wondering exactly how the American Rescue Plan will impact housing? Recently, the president announced that there would be an extension of foreclosure relief programs, provide rental assistance, and provide multiple programs that help alleviate issues related to the pandemic.

As we start recovering from the pandemic, we believe every person must know their options. If you have been feeling hopeless and like you can’t afford to get help, we want to be the ones to share with you all the programs brought to you by the American Rescue Plan and what the Biden-Harris Administration is doing to help everyday people like us.

Emergency Rental Assistance Program

Millions of families have been affected by covid-19 and need relief to help with rent. This law provides $21.5 billion to the treasury for emergency rental assistance to distribute to Americans who need help.

How can I get rental assistance during the covid-19 pandemic?

The Housing and Urban Development department is helping renters acquire this money. You will need to contact your local HUD department and speak with a counselor to help you take the following steps the counselor provides.

How does HUD calculate your rent?

The amount of rental assistance you qualify for is calculated by dividing your adjusted gross income by 12 and then multiplying it by 30%. When you fill out your application to the HUD, you will have to give exact and accurate numbers for them to provide you with the most you qualify for.

Homeowner Assistance Fund

Renters are not the only families struggling; many homeowners are too. This legislation provides funds of $10 billion to the treasury that will go to homeowners who are behind on mortgage payments. This law allows the owners to stay in their homes while they get back on their feet and help American families avoid foreclosure and eviction.

What are the requirements for mortgage relief?

This legislation allows you to lower your monthly mortgage payment for a short time or, in some cases, completely pause it. You may be eligible for this relief if you have been experiencing financial hardship due to covid-19 and if your mortgage is federally backed. If your mortgage is not federally backed, you will have to talk to your servicer to develop new solutions.

The best way to receive this help is by contacting your service provider. If you feel like they are not helping, you can submit a complaint to the Consumer Financial Protection Bureau.

Emergency Housing Vouchers

This legislation, sometimes referred to as section 8 housing, has provided $5 billion for emergency housing vouchers. This means that any families who are at risk of becoming homeless can get help with housing vouchers.

How to apply for emergency housing vouchers?

Typically, there is a long wait to get into section 8 housing. However, this legislation opens up opportunities for families and individuals who need immediate housing. The easiest way to apply for emergency help is by calling (800) 955-2232 or applying under your state.

Homelessness Assistance

During the covid-19 pandemic, many people could not afford rent, mortgages, or living arrangements. Before the government stepped in to help, they had to move out of their homes. If this is your situation, you may qualify for this program. Under the American Rescue Act, this legislation provides $5 billion to the HOME Investment Partnership Program.

How does the home program work?

This is a federal block grant program that enables funds to go to local programs to help create plans and activities for low-income housing. This means anyone at risk of homelessness can get help easier amidst the coronavirus pandemic.

Housing Assistance For Native Americans

This act provides $750 billion to the treasury, which will be used to help Native Americans or Native Hawaiians with housing-related health risks. This will help fund tribal communities until the economy is strong again.

What are housing-related health risks?

Poor conditions in a home can lead to serious health risks. Are you wondering what they are? They can include things like respiratory infections, asthma, and even cancer. So it is important to support homes, which is why the government is ensuring the tribes are taken care of.

How to apply for housing as a Native American?

To start the process, you can call the Office of Native American Programs to see if you qualify for any benefits. You must live on the tribal lands, on the reservation, or within the allotted distance to have this program accept you.

Emergency Assistance For Rural Housing

The USDA has received $100 million from the American Rescue Plan to help out those families who live in rural areas. In some cases, these areas were affected by covid-19 and need more help than those who live in the city.

This act helps people in the rural areas keep their homes by providing extra funds, so they do not get evicted.

How is rural housing defined?

The USDA defines rural housing as homes in an open country, not part of the urban area. This makes it a very generous term. If you qualified for a USDA mortgage and need help due to the covid-19 pandemic, you may qualify for extra help.

How to apply for rural housing assistance?

The best way to qualify for any loans is to direct questions to [email protected] They will walk you through the loan process. On top of the assistance, this legislation provides extensions of forbearance and foreclosures for up to 180 days.

Funds For Housing Counseling

Housing counselors ensure that people and the community get the funds they need during times of instability. The American Rescue Plan gave $100 million to the non-profit organization NeighborWorks that will allow housing counselors to provide these funds.

Where to find Neighborworks?

The easiest way to find a branch near you is by using their website and entering your state. You can call the local phone number or email them.

Relief Measures For Section 502 and 504 Loan Borrowers

If you have received a USDA mortgage loan under sections 502 and 504 for low-income housing, there is extra relief that the American Rescue Plan has provided. The Biden-Harris administration has put this legislation out that provides $39 million for the USDA to administer to those who have 502 and 504 home loans.

What does this money help?

This money will go to helping purchase, repair, and rehabilitate housing in rural areas. The USDA will define what rural areas qualify and what families need the most help.

Funds For Fair Housing Activities

This money is provided to the Fair Housing Initiatives Program to help them investigate unfair and unjust housing complaints. This program has received $20 million and will help those who believe they have been victims of housing discrimination.

Who to contact if you have been a victim of housing discrimination?

If you feel as if you have been a victim of housing discrimination, you can fill out a complaint with FHIP. They will contact you and help you with housing, loans, and more. The goal of this program is to strengthen enforcements and stand up for what is right.

Other Programs To Be Aware Of

Covid-19 impacted us all in drastic and unexpected ways. Other programs have helped us get money to help us stay on top of bills and the things we need to live. We have received stimulus payments from the Biden-Harris administration and also a boost in unemployment wages.

Summing It Up

The Biden-Harris administration focuses on boosting the American economy and ensuring that people have a place to live. If you have found yourself becoming homeless due to the pandemic, you can reach out for help, and you may get immediate assistance. If you have questions about these programs, comment below.

By Ashley T

As a professional writer, I enjoy researching Benefit Programs and writing articles and guides that are easy to follow for those who are in need of assistance.


  1. I have been trying to get help with housing for months! And have gotten no where! I'm 62 years old and living in my Minnesota where it is very cold! I'm I'm desperate to find a place soon or I will be tempted to off myself.

    1. Please click here to get housing assistance program fit for your housing needs. The HUD is here to assist and get people like you safe housing.

      1. I have been ignored several times in the past. I still need someone to help me with these programs and grants. I quality for several of them. They don't have applications to be filled out. Please guide me to these programs. Please text me with help or someone that can help me.

        1. To apply for a Housing Choice voucher, contact a public housing agency in your state. If you need more assistance, contact your local HUD office. You will need to fill out a written application or have a representative of your local PHA help you.

  2. Practically homeless in and out of homes living with others. Really tired of living unstable. This is something Im not used too.

    1. Really sorry to hear about your housing problems, but that can seize to happen when you visit your PHA office to state your needs and a housing assistance suitable for your needs would be administered.

  3. I am in dire need to apply for the housing or housing voucher. Yet to no avail , I can’t ever find the appropriate application, just guides. My 14 year old and I are about to be evicted soon.can you please send me the application link or email . Thanks in advance

  4. I am 60 yrs old on SSI. I am disabled, with multiple serious health issues. I'm staying with someone that is an alcoholic. He shot a gun in the house and literally missed my head by about a half inch. I need to move asap. I have had to call the police on him multiple times. My life is literally in danger. I have already had a stroke, at this rate I'm so afraid of having another one, or worse!

    1. You need to get in touch with the PHA office to state your housing needs as an emergency. If you are in an emergency situation, you may qualify to be placed on the Emergency Waiting List to get a faster response for Section 8.

  5. Me and my family needs help we’re about to be homeless. I need if financially for November, Dec , Jan rent to get ahead for once

    1. Kindly apply for the Section 8 housing voucher for low-income families in order to get help with your rent. To start your application process,you need to get in touch with the housing authority on steps on how to apply. Click here to get more information.

  6. I can't never get a hold of anypne the office is close I have income and my friends also has income an disable an staying in a tent an shelter are all full an I need help with something fill out paper app. For on a an never hear anything yet when I got selected . an returned all paperwork. In. Help its cokd out here

  7. My husband and I have been homeless for over a year. In the past 2 weeks, I was sexually assualted, got Covid, put into a motel to quarantine from the Homeless Dept, and got my camper towed. We are in New Haven CT. They have a lot of resources, yet when it comes down to the nitty gritty what do they have for EMERGENCY HOUSING? Tomorrow we are getting discharged into the freezing cold.

  8. ME and my 5 year old have been recently kicked out due to my abusive husband getting incarcerated,I have been trying to get help for housing to escape domestic violence and I lost my employment due to the COVID-19 since the begining and I keep getting told that the waiting list for HUD and Sectiob 8 are closed but then I hear of others getting help!Someone please point me in the right direction to actually get help and where I am not going to get turned away or told nothings available!!

    1. There’s the Emergency Rental Assistance Program for those who were affected by COVID 19. Thes government programs can help you with rent money and advice for your situation.

      Please contact a HUD-approved housing counselor near you for advice on your specific situation.

  9. My 9 yr old and I are facing homelessness as of January 20, 2022, I can’t find any rentals that I need to receive the housing assistance. PLEASE HELP ITS JUST US, WE NEED A PLACE TO CALL HOME. WE’RE LOOKING TO START A NEW CHAPTER AND PLANTS THOSE ROOTS

  10. Me and my son are living in a garage with no heating or water just recently became disabled . Im trying to find low income housing but getting no were also applied for section 8 and not getting anywere please need to het us in a home

    1. To apply for an emergency section 8 voucher, and to try to be given priority to bypass a waiting list, immediately call a local public housing authority in your town or county near you.

  11. I need section 8 lord I bend in a fire lost everything starting over agen its hard I need and want lord bless me amen Jesus

    1. – Find your local Public Housing Agency (PHA)
      – Determine if you are eligible
      – Obtain an application for the Section 8 Housing Choice Voucher program
      – Fill out and submit the Section 8 Housing Choice Voucher program application
      – Find out Waiting List status.

  12. I can’t never get section 8 or HUD homes. As much information they send me information to come in for help, I go down there and get turned around because of the pandemic, as they say, or no one’s never there! Then some nut at the door give me a number that I can’t never get through! Because right now I’m at brink of having back surgery and me and my family can’t handle our living conditions. Now y’all said y’all can help dog gone it, When?!

    1. Hi Johnny,

      Please visit another nearest HUD office in your state. To check for other HUD offices near you, visit Also while applying, state any disability you may be living with alongside a proof from your doctor. It helps hasten your application process.

  13. I am in a hotel n have no funds to pay by for anymore days I’m also disabled and need emergencyed care but can’t leave my things they be will be destroyed how do I get help with a place to live

  14. I have tried and tried to get help with housing for over a year me and my fiancé have been homeless and I’ve had to resort to other alternatives that would get me in trouble and I’m exhausted and I have health concerns I’m trying to take care of and make it to my appointments but worrying about a roof over our heads takes all my time everyday that I barely get to sleep and I have neuropathy in both legs and two slipped discs in my back I have to have surgery to correct and haven’t been able to and I suffer from severe panic and anxiety and depression and I’ve tried to reach out to every number or person that I’m referred to or told about and still can’t get help I’ve stayed in the riverbed and on the street and I’m tired please please help

    1. Hi Jennifer,

      Please find your local Public Housing Agency (PHA) to obtain an application for the Section 8 Housing Choice Voucher program.

  15. I have been on here for 3 months, you said that I was approved and to fill out an application but there is nothing on the link that you send me to. Please help me.

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