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COVID Emergency Mortgage Assistance


The COVID Emergency Mortgage Assistance program provides mortgage and utility payment assistance to help homeowners who have fallen behind on their mortgage and utilities during the COVID-19 pandemic.


The program is being administered by Capital Area Housing Partnership. Program application available for download below. For questions or assistance, please contact Capital Area Housing Partnership at (517) 332-4663 or

Questions? Contact us at: | (517) 332-4663

Applications are available for download above. A hardcopy of the application can be picked up at the locations below, or one can be mailed to you. 

Submit applications and supporting documentation: 

Capital Area Housing Partnership 

(Neighborhood Empowerment Center) 

600 W. Maple Street, Suite D

Lansing, MI 48906

Program Guidelines


  • This one-time grant is for qualified Ingham County households to receive up to twelve (12) months of past due mortgage payments, and/or past due utility payments. 

  • Households must have experienced a temporary job loss, reduction of work hours or other income hardship caused by the COVID-19 pandemic. 

  • Approved payment(s) will be made by Capital Area Housing Partnership on behalf of a qualified household and paid directly to the mortgage servicer and/or utility provider. 

  • Please review the application packet carefully. Complete, sign and submit the application, third party authorization and required supporting documentation. 

  • Eligibility period: March 13, 2020 - present. 

  • Applications will be accepted until funds are exhausted. 

Eligible Use of Funds: 

  • Mortgage payments, recorded land contract payments, mobile home lot rent, and/or utility payment (gas, water, and electric direct service costs only). 

Household Eligibility: 

  • The hardship that renders the household unable to pay mortgage and/or utilities must be related to the COIVD-19 pandemic. 

  • Mortgage and/or utilities must be past due by a minimum of one (1) month. 

  • Applicant(s) must be a current legal resident of Ingham County, and proof of ID that matches the address on the mortgage and/or utility statement. 

  • May only apply for mortgage and/or utility assistance related to your primary place of residency. 

  • The household must be an owner occupied home. 

  • This program is designed to assist low-to-moderate income households with gross household income at or below 80% of the Area Median Income as defined by the U.S. Department of Housing and Urban Development (HUD). 

  • One application per household. 

  • Applicant and/or mortgage servicer must sign an agreement ensuring there are no duplication of benefits and/or any other local, state, federal, or other charitable resources paying for the same past due amount. 

Income Eligibility: 

  • Applicants are qualified by the maximum income categories listed below based on the household size. 

  • Maximum gross household income is based on 80% of Area Median Income (AMI) as defined by HUD. 

  • An applied assumption is that your current income will continue for the next 12 months

FY 21 Household Income Limits Screenshot.jpg
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