COVID-19 Resources Related to Housing & Homelessness
Housing Action will make ongoing updates with new resources as they become available. If you need housing or homelessness assistance for yourself or someone you know, please refer to our Get Help with Housing resources.
Housing Action will make ongoing updates with new resources as they become available. For the most timely updates, sign up for our email updates.
The Illinois State Eviction Moratorium is active through June 26, 2021
The Federal Eviction Moratorium is active through June 30, 2021
Statewide rental assistance is now available: apply by June 14 »
Important Federal Updates
- American Rescue Plan Includes $50 Billion for Housing and Homelessness: On March 11, President Biden signed the American Rescue Plan Act. The COVID-19 relief package includes almost $50 billion in essential housing and homelessness assistance, including including more than $27 billion for rental assistance, $10 billion for homeowner assistance, $5 billion for homelessness assistance, $4.5 billion for utility assistance, $100 million for housing counseling and $20 million for fair housing activities. We are still working to determine what resources will be available to assist people and communities in Illinois. We will share more details in the coming days and weeks. Thanks to all members of Congress who supported passage of this package.
- Emergency Rental Assistance: In December 2020, lawmakers passed a COVID-19 relief package that includes $25 billion for the Emergency Rental Assistance program to assist households that are unable to pay rent and utilities due to the COVID-19 pandemic. The allocation for rental assistance programs in Illinois is $834,709,843. See the “Emergency Rental & Mortgage Assistance” section below for information on local programs and application timelines. Learn more about current, prior, and pending federally funded emergency rental assistance programs for 2021 here.
Housing Action Initiatives & Updates
- Housing Action awarded subgrants to 30 homeless service providers in Illinois through an initial round of $340,000 and a second round of $145,000 (Summer 2020)
- Housing Action guidance on talking about housing and homelessness during COVID-19 (April 2020)
- Advocacy updates
- Federal Inaction on Housing, Empty Promises for Renters (August 2020)
- Action alert and update on federal CARES Act funding for housing in Illinois (June 2020)
- 2020 Illinois General Assembly session wrap-up and federal policy recommendations (May 2020)
- Summary of federal and state actions to support people facing housing instability (March 2020)
Quick Links to Urgent Resources
Protections Against Eviction in Illinois
Illinois Eviction Moratorium
Governor Pritzker has extended the eviction moratorium in Illinois through June 26.
This prevents law enforcement from carrying out eviction and foreclosures and restricts the filing of eviction cases solely for nonpayment. Eviction cases can still be filed if the tenant poses a direct threat to the health and safety of other tenants, an immediate and severe risk to property, or a violation of any applicable building code, health ordinance, or similar regulation. The Executive Order does not relieve any individual or entity from the obligation to pay rent or comply with any other obligation they might have pursuant to a lease or rental agreement.
View the Illinois Eviction Moratorium FAQ ».
This state moratorium is stronger than the nationwide CDC eviction moratorium that will be in effect through June 30, 2021.
The May 2021 ruling from a federal judge on the national CDC eviction moratorium doesn’t change the Illinois eviction moratorium.
National Federal Eviction Moratorium
A federal eviction moratorium issued by the Centers for Disease Control (CDC) is in effect until June 2021. The temporary moratorium on evictions extends vital protections to tens of millions of renters at risk of eviction for nonpayment of rent during the global pandemic.
Chicago Eviction Ordinance
Mayor Lori E. Lightfoot signed a COVID-19 Eviction Protection Ordinance that applies to the City of Chicago.
Learn about this measure: Know Your Rights: COVID-19 Eviction Protection Ordinance
Get legal support: Illinois Legal Aid Online – Legal Assistance
Emergency Rent & Mortgage Assistance
Federally Funded Rental Assistance Programs for 2021
In December 2020, lawmakers passed a federal COVID-19 relief package that includes $25 billion for the Emergency Rental Assistance program to assist households that are unable to pay rent and utilities due to the COVID-19 pandemic. The funds are provided directly to States, U.S. Territories, local governments, and Indian tribes. In most cases, payments will be made directly to rental property owners.
The allocation for rental assistance programs in Illinois is $834,709,843. The majority of this funding (more than $500 million) will be distributed through the statewide program administered by the Illinois Housing Development Authority (IHDA).
The full allocation will be distributed via statewide and local programs from:
State of Illinois
- The Illinois Rental Payment Program administered by the Illinois Housing Development Authority (IHDA) is now open: learn more and apply by June 14 »
- People can also apply for rent assistance and secure other services, such as legal help and case management, through an agency funded by Illinois Department of Human Services (IDHS). Find out if you’re eligible and get help with applying by contacting one of IDHS’ partner agencies »
- Champaign County: Program now open »
- City of Chicago: Open now. Apply by June 15 (deadline extended from June 8) »
- Cook County (suburban residents only): Program now closed. Learn more »
- DuPage County: Program now open, in partnership with IHDA. Apply by June 14 »
- Kane County: Program now open, in partnership with IHDA. Apply by June 14 »
- Lake County: Program now open »
- Madison County: Program now open »
- McHenry County: Program now open »
- Will County: Program now open, in partnership with IHDA. Apply by June 14 »
- Winnebago County: Program now open. Initial rounds closed on April 15 and May 15. Another round opened on June 1; the deadline to apply is June15 »
- St. Clair County: Program now open, in partnership with IHDA. Apply by June 14 »
For the State of Illinois, Cook County and Chicago programs, chicookilrenthelp.org provides details on eligibility requirements and documents people will need in order to apply.
We will post links to other programs as they become available.
Please note that people can apply to both the state and local programs, but people cannot receive assistance to pay rent for the same month from two different sources.
Previous & Upcoming Rental Assistance Programs
Mortgage Assistance Programs
City of Chicago
The Mortgage Assistance Program, made possible by the City of Chicago, provides assistance to low-to moderate-income Chicago homeowners who have suffered an economic impact due to the COVID-19 pandemic and are having difficulty paying their mortgage.
The maximum amount of assistance available is $3,300. Grant amounts awarded will be based on the amount needed to bring your mortgage current. Learn more and apply now »
National & Global
State of Illinois Coronavirus (COVID-19) Response Website
For general questions about COVID-19 and Illinois’ response and guidance, call 1-800-889-3931 or email email@example.com.
State of Illinois Gubernatorial Disaster Proclamation
The state disaster proclamation was extended for 30 days as of June 26, and many Executive Orders related to COVID-19 were reissued.
General Housing & Human Services
General Housing & Human Services
CARES Act Provisions for Homelessness & Housing
In late March, Congress passed the federal Coronavirus Aid, Relief, and Economic Security Act (CARES Act), which provides more than $12 billion in funding for HUD programs to help address homelessness and housing. This breakdown from the National Low Income Housing Coalition explains the allocation of those resources.
An online platform for providing program information, guidance, services, and tools to HUD’s community partners.
National Low Income Housing Coalition: COVID-19 Resources
Information on how advocates and government around the country are responding, as well as impact on people experiencing homelessness and low-income households.
Help Illinois Families Initiative
A new initiative to help Illinois families access and afford home energy assistance and other essential services during COVID-19. Building on the State’s Low-Income Home Energy Assistance Program (LIHEAP) and the Community Services Block Grant (CSBG) program, the State’s Fiscal Year 2021 (FY 21) budget authorizes an expansion of the LIHEAP and CSBG programs for eligible Illinoisans seeking emergency assistance to cover costs of utility bills, rent, temporary shelter, food, and other household necessities.
Illinois Housing Development Authority COVID-19 Housing Resources
Information on homeownership and rental assistance, multifamily finance updates, and asset management.
Your Rights to Housing and Public Benefits After Leaving Illinois State Prisons
This resource from Shriver Center explains access to benefits such as public housing, Section 8, medical benefits, SNAP (food assistance), TANF (cash assistance), and guidelines around state IDs after an individual has left an Illinois prison.
Call4Calm Emotional Support Line
IDHS’ Mental Health Division has launched a free-of-charge emotional support text line, Call4Calm, for Illinois residents experiencing stress and mental health issues related to COVID-19. To speak with a mental health professional, text “TALK” to 5-5-2-0-2-0, or for Spanish, “HABLAR” to the same number: 5-5-2-0-2-0.
Legal Resources, Including Eviction & Foreclosure
HUD Notice: Coronavirus Aid, Relief, and Economic Security (CARES) Act Eviction Moratorium
Background and guidance on HUD’s policies and procedures regarding the eviction relief provided to tenants of certain multifamily properties under the CARES Act. This Notice extends the moratorium on evictions for all HUD-insured or HUD-held mortgages while under forbearance and provides guidance on tenant protections for multifamily properties not subject to forbearance and those with HUD-assisted units.
National Housing Law Project: Renter and Homeowner Rights During COVID-19
Resources for attorneys, advocates, policymakers, and others supporting renters and homeowners during the COVID-19 national public health crisis.
Federal Housing Finance Agency Resources Finder
To help renters find out if they are protected from evictions during the COVID-19 national health emergency, Fannie Mae and Freddie Mac (the Enterprises) have created online multifamily property lookup tools.
Federal Housing Finance Agency Suspends Foreclosures and Evictions for Enterprise-Backed Mortgages
The FHFA has directed Fannie Mae and Freddie Mac (the Enterprises) to suspend foreclosures and evictions through December 31, 2020. The foreclosure and eviction suspension applies to homeowners with an Enterprise-backed single-family mortgage. (August 27)
FHFA Moves to Provide Eviction Suspension Relief for Renters in Multifamily Properties
On March 23, the the Federal Housing Finance Agency (FHFA) is announced that Fannie Mae and Freddie Mac will offer multifamily property owners mortgage forbearance with the condition that they suspend all evictions for renters unable to pay rent due to the impact of coronavirus. In late June, FHFA announced that servicers can extend forbearance agreements for up to three months, for a total forbearance of up to six months.
Multifamily Property Owners in Forbearance Now Required to Inform Tenants of Eviction Suspension and Tenant Protections
To increase awareness of available tenant protections, the Federal Housing Finance Agency (FHFA) announced on August 6 that multifamily property owners with mortgages backed by Fannie Mae or Freddie Mac (the Enterprises) who enter into a new or modified forbearance agreement must inform tenants in writing about tenant protections during the multifamily property owner’s forbearance and repayment periods. (August 6)
FHA Expands Home Retention Measures for Homeowners Financially Impacted By COVID-19
The Federal Housing Administration (FHA) has announced additional home retention measures to help homeowners with FHA-insured single family mortgages who are financially impacted by the COVID-19 pandemic to bring their mortgage current at the end of their COVID-19 forbearance. Mortgage servicers will be able to use an expanded menu of loss mitigation tools, known as a “waterfall,” to assess homeowners’ eligibility for other options to bring their mortgages current if they do not qualify for FHA’s COVID-19 National Emergency Standalone Partial Claim. These options are available for homeowners whose mortgages were current or less than 30 days past due as of March 1, 2020. (July 8)
HUD Eviction Moratorium Flyers Available in Multiple Languages
HUD’s Office of Public and Indian Housing (PIH) and Office of Multifamily Housing Programs (Multifamily) have each made resident-oriented flyers explaining the CARES Act eviction moratorium. PIH’s one-page flyer is available in 20 languages.
Executive Order Expanding Moratorium on Evictions in Illinois
In April 2020, Illinois Governor JB Pritzker took an important step to protect people against evictions by issuing a new Executive Order expanding the existing moratorium on law enforcement carrying out eviction and foreclosures, to also restrict the filing of eviction cases solely for nonpayment. Eviction cases can still be filed if the tenant poses a direct threat to the health and safety of other tenants, an immediate and severe risk to property, or a violation of any applicable building code, health ordinance, or similar regulation. The Executive Order does not relieve any individual or entity from the obligation to pay rent or comply with any other obligation they might have pursuant to a lease or rental agreement. Additional info explaining the Executive Order is available from Illinois Realtors here. The order has been re-issued in its entirety and extended repeatedly. Most recently, Governor Pritzker May 29.
Illinois Court System
Includes information for Supreme Court, Appellate Court and county circuit courts.
Illinois Courts Response to the CARES Act
The Illinois courts declare compliance with the CARES Act when it comes to evictions. This will remain in effect until August 24, 2020 or further order of the Court.
Illinois Legal Aid Online: Legal Issues During the Coronavirus Pandemic
Legal resources related to housing, work, court proceedings, health care, public benefits, and more.
Free Legal Help for Residents of Cook County
If you are a resident of Cook County and are dealing with an eviction, unresolved debt, or unpaid mortgage or property taxes, you may be eligible for free legal help through Cook County Legal Aid and the Early Resolution Program (ERP). You do not need to have a case in court to be eligible for assistance.
Call 855-956-5763 today to learn more and get help.
Cook County Chief Judge Evans Extends Postponement of Most Court Cases
Many criminal and civil cases in the Circuit Court of Cook County were initially postponed for a 30-day period; on March 30, Judge Evans extended this through May 18. An amendment on May 28 orders extensions into July and August. Emergency requests in civil matters will be permitted. No orders for an eviction or foreclosure will be entered during the 30-day period. Civil lawsuits may still be filed in person or via electronic filing.
Cook County Sheriff’s Office Suspends Evictions Due To COVID-19
The Cook County Sheriff’s Office suspended all court-ordered evictions for 30 days starting on March 14.
Homeless Service Providers
Homeless Service Providers
Illinois Department of Human Services (IDHS) Message to Homeless Service Providers
On March 20, IDHS announced that they will be making $6 million available for isolation housing for people experiencing homelessness through local CoCs, as well as increasing homeless service providers’ funding by 5% to increase capacity.
Expansion of Services for Domestic Violence, Sexual Assault Survivors
On April 2, the Illinois Department of Human Services announced a $1.2 million plan to increase the capacity of its statewide network of services for domestic violence and sexual assault survivors during the COVID-19 pandemic. The plan creates a one-stop access point for shelter needs.
All Chicago Making Homelessness History
Resources for Chicago homeless service providers. All Chicago will also be hosting weekly webinars to share information.
Helping Homeowners & Renters
General Resources for Homeowners & Renters
National Consumer Law Center: Major Consumer Protections in Response to COVID-19
Updates on actions from Congress, governors, federal and state agencies, and businesses to protect consumers in light of the COVID-19 epidemic. Includes information on suspensions of foreclosures, evictions, and terminations of telecommunications and utility service, elimination of interest and forbearance on student loan payments, limits on debt collection, and more.
Expansion of CRA Credit for Activities in Response to COVID-19
Joint statement from the Federal Reserve System, FDIC, and the OCC providing guidance to financial institutions on receiving credit on their Community Reinvestment Act activities to low- and moderate-income people and communities affected by the coronavirus.
IDFPR, Banks, and Advocacy Groups Work Together to Help to Unbanked Cash Stimulus Checks
New options for unbanked Illinoisans seeking to cash their stimulus checks without incurring check cashing fees. A number of banking institutions (including Wells Fargo, JPMorgan Chase, U.S. Bank, Fifth Third and First Midwest, and others), will work with non-customers on cashing their stimulus checks for free.
Get My Payment Illinois
Straightforward website that pulls together clear information to help Illinoisans get their stimulus payments and answer related questions. Includes resources to help nonprofits spread the word. Created by a nonprofit coalition.
State of Illinois Economic Assistance
Information and updates on unemployment assistance, utility relief, food access, loans for small businesses, and the process of filing a federal waiver to expand Medicaid coverage.
Farmworker & Landscape Advocacy Project COVID-19 Cash Assistance
FLAP is Farmworker & Landscaper Advocacy Project is providing one-time $500 cash assistance for those financially affected by COVID-19. Those employed in the landscaping, snow plowing, packing, cannery, farms, nursery, greenhouse, and meat and poultry industries and experiencing financial hardship due to the effort to contain COVID-19 are eligible for this assistance. To apply for this cash assistance program, send a phone number, valid ID with current address, paystub, and explanation of what you do at work to firstname.lastname@example.org.
Telehealth Support for Housing Counselors in Illinois
The Community Service Council, a member and Intermediary Affiliate of Housing Action Illinois, is offering professional clinical counseling to help housing counselors deal with anxiety, stress, and other related issues during this uncertain time. To make an appointment for a virtual session call (815) 886-5000.
HIV Resource Hub + COVID-19 Financial Assistance
The AIDS Foundation of Chicago and Center on Halsted can help with emergency financial assistance (rent, utility payments) for people who are living with HIV and who are HIV-negative and taking PrEP, as well as connect people with case management, medical care, food, and more.
This accessible, easily navigable site is intended to help renters facing eviction by helping them find out if their building is covered by the federal eviction moratorium, informing them about local eviction protections, and connecting them with local legal aid resources. It was developed by The Patriot Act with Hasan Minhaj after their episode on the current and looming eviction crisis.
Illinois & Local
See Emergency Rent & Mortgage Assistance section under “quick links to urgent resources” at top of this page.
HUD Issues New CARES Act Mortgage Payment Relief for FHA Single Family Homeowners
On April 1, HUD announced a tailored set of mortgage payment relief options for single family homeowners with FHA-insured mortgages who are experiencing financial hardship as a result of COVID-19.
FHFA Announces Payment Deferral as New Repayment Option for Homeowners in COVID-19 Forbearance Plans
This payment deferral option allows borrowers, who are able to return to making their normal monthly mortgage payment, the ability to repay their missed payments at the time the home is sold, refinanced, or at maturity.
The FHFA has extended multifamily forbearance through September 30, 2021.
The Urban Institute: Homeowners’ Guide to Mortgage Solutions During the COVID-19 Pandemic
Homeowners who are experiencing financial hardship or a loss of income due to COVID-19 may be eligible for temporary mortgage payment relief. This guide explains what assistance is available and how to obtain it.
IDFPR Guidance for Banks and Financial Institutions
The Illinois Department of Financial and Professional Regulation announced a series of actions on March 30 to ensure the protection of Illinoisans in many areas of consumer borrowing, servicing, and collections. The Department is urging all mortgage servicers to defer mortgage payments for 90 days for those who are suffering hardship as a result of the COVID-19 pandemic.
See above info on currently available emergency rental and mortgage assistance.
COVID-19 Protections for Large Utility Customers from Illinois Attorney General
Breakdown of the COVID-19 protections that apply to electric customers of Commonwealth Edison (ComEd) and Ameren Illinois; gas customers of Ameren Illinois, Nicor Gas, North Shore Gas, and Peoples Gas; and water customers of Aqua Illinois, Illinois American Water, and Utilities Services of Illinois.
COVID-19 Protections for Small Utility Customers from Illinois Attorney General
Breakdown of the COVID-19 protections that apply to customers of the following small, regulated utility service providers: Consumers Gas. Co., Illinois Gas Co., Liberty Utilities Corp., MidAmerican Energy Co., and Mt. Carmel Public Utility Co.
State Regulated Utility Moratorium Extended through Winter 2021 for Eligible Customers
The Illinois Commerce Commission announced the moratorium on disconnections has voluntarily been extended by several state regulated utilities through the Winter 2021 for eligible low-income residential customers, and those who self-report to utilities that they are experiencing financial or COVID-19 hardship. Previously, several of the utilities had voluntarily agreed to extend the moratorium on shutoffs for residential customers until September 30, 2020. (September 23)
Attorney General Raoul Reminds Illinois Residents of Winter Moratorium on Utility Shut-Offs
Chicago — Attorney General Kwame Raoul today urged Illinois utility customers to be aware that state-regulated electric and natural gas utilities are prohibited from shutting off power and gas for customers under state law through the winter. All customers, regardless of financial situations cannot be disconnected through March 31, 2021 to protect the public during the cold winter months. Even with the moratorium, Raoul encourages residents who are behind on their bills to contact their utilities to learn about assistance options.
City of Chicago Utility Billing Relief Program
In partnership with the Community and Economic Development Association of Cook County (CEDA), the City of Chicago is launching the Utility Billing Relief Program, intended to make water, sewer, and water-sewer tax bills more affordable for qualifying Chicago residents.
Banks & Financial Institutions
American Bankers Association: Bank Responses to COVID-19
An alphabetical list of publicly announced steps banks of all sizes have taken to respond to the crisis.
Housing Providers & Managers
The Public Housing Authorities Directors Association
Includes links to local housing authorities’ contingency plans, policies and procedures, and other outreach in their response to the COVID-19 outbreak.
LeadingAge Coronavirus Resources
Guidance and tools for aging services providers, including staffing resources, media tools, and more.
Illinois Realtors COVID-19 Resources
Guidance for realtors on open houses, showings, unemployment, property management, and more.
DCEO: Phase 3 Recovery Guidance for Real Estate Licensees and Consumers
Guidance for realtors on open houses and showings under Phase 3 (Recovery) of the “Restore Illinois” plan.
Illinois Housing Council
COVID-19 resources for affordable housing developers based in Illinois.
Nonprofit Operations & Funding
CARES Act Funding for Nonprofits
Through the CARES Act, organizations with 500 or fewer employees were eligible for Paycheck Protection Program loans to meet payroll and associated costs such as health insurance premiums, facilities costs, and debt service. Some loans will qualify for loan forgiveness.
Enterprise: Resilient Futures Resources
This collection of resources is intended to support housing nonprofits as they navigate and recover from the COVID-19 public health crisis.
Illinois & Local
Available COVID-19 Response Funds in Illinois
In order to support both donors and nonprofits, Forefront has compiled a list of emergency funds and other collective actions that have been created across the state in response to the COVID-19 outbreak. In addition to statewide support, this list includes local emergency funds for Champaign, Chicagoland, Decatur, DuPage County, Evanston, Fox Valley, Freeport, Grundy County, Kankakee, Knox and Warren County, Lake County, McHenry County, Morton Oak Park-River Forest, Quad Cities, Quincy, Springfield, and Will County.
Chicagoland COVID-19 Community Development Resource Guide
The Chicago Community Loan Fund and Project Forward created this curated guide of resources to help nonprofits, arts and recreational organizations, small-scale real estate firms, social enterprises, worker and food cooperatives, community retailers and other small businesses navigate the myriad grants, loans and other resources available from public and private sources in response to COVID-19
Immigrant Rights & Resources
Protecting Immigrant Families Coalition
On March 13, USCIS announced that COVID-19 testing, prevention, or treatment would NOT be used against immigrants in a public charge test. This means that immigrant families should seek the care they need during this difficult time.
American Public Health Association
Fact sheets in various languages (English, Spanish, French and Chinese) on how to protect yourself from COVID-19.
FAQ on CARES Act and Immigrants from NLIHC, NHLP, and NILC
Information about immigrants’ eligibility for various housing and financial assistance programs in addition to implications for public charge determinations.
Protecting Immigrant Families – Illinois
PIF-IL has developed guidance in English and in Spanish to help enrollment assisters answer questions community members may have about possible public charge consequences due to accessing specific public benefits and programs during the COVID-19 crisis.
Chicago Executive Order to Protect Immigrant and Refugee Communities During COVID-19
On April 7, Chicago Mayor Lori Lightfoot signed an executive order explicitly ensuring that all benefits, opportunities, and services provided or administered by the City of Chicago are accessible to all residents, regardless of birth country or current citizenship status.
Did you find these resources helpful?