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If you have been counting on Emergency Rental Assistance to help cover your rent and recently found out the funds in your area are exhausted, you are not alone. Millions of renters across the country are facing the same situation. The good news is that rental assistance alternatives still exist, and many of them are specifically designed to help older adults and low-income households stay housed. This guide walks you through your next best steps.
Why ERA Funds Run Out
The Emergency Rental Assistance program was originally funded by the federal government during the pandemic to help renters who had fallen behind on rent or utilities. Over time, many states and counties distributed all of their allocated funds. Some local programs have continued using state or local funding, but availability is uneven across the country. Just because your county has run out of ERA dollars does not mean all help has disappeared.
Start Here: 211 Is Your First Call
Before anything else, dial 211 from any phone. This free service connects you with a local specialist who knows exactly which rental assistance alternatives are available in your zip code right now. It is available in most areas around the clock and can point you toward resources you may not find on your own. You can also visit 211.org to search online.
When you call, have the following ready:
- Your current address and zip code
- The amount you owe in back rent
- Your approximate household income
- Any notices you have received from your landlord
Rental Assistance Alternatives to Explore Right Now
Local Community Action Agencies
Community Action Agencies (CAAs) are nonprofit organizations funded in part by the federal government. They operate in nearly every county in the United States and often have emergency rental funds set aside for households in crisis. These agencies also help with utility bills, food, and other basic needs. Search for your local agency at communityactionpartnership.com.
Churches and Faith-Based Organizations
Many churches, mosques, synagogues, and other faith communities operate quiet but powerful assistance programs. You do not need to be a member of the congregation to ask for help. Catholic Charities, the Salvation Army, St. Vincent de Paul Society, and Jewish Family Services are among the largest faith-based organizations offering emergency rent help nationwide. A quick call to local churches in your area can also turn up smaller, neighborhood-level funds that are not widely advertised.
The Salvation Army
The Salvation Army maintains an emergency assistance program in hundreds of communities. Help can include rent, utilities, and even food. Contact your nearest Salvation Army office directly, as each location manages its own funds and eligibility process.
Catholic Charities USA
Even if you are not Catholic, Catholic Charities serves anyone in need. They offer emergency financial assistance in most dioceses across the country. Visit catholiccharitiesusa.org to find the office nearest you.
State and Local Government Programs
Even if federal ERA money is gone, some states have created their own ongoing rental assistance programs using state budgets or housing trust funds. Check your state housing agency website or search for your state name plus the phrase rental assistance program to see what may be active. Programs change frequently, so it is worth checking every few months.
HUD-Approved Housing Counselors
The U.S. Department of Housing and Urban Development (HUD) offers free or low-cost counseling through approved agencies. A HUD-approved housing counselor can review your situation, help you understand your rights as a renter, communicate with your landlord on your behalf, and connect you with rental assistance alternatives in your area. Find a counselor at hud.gov or call 1-800-569-4287.
For Adults 55 and Older: Additional Resources
If you are 55 or older, a few extra doors may be open to you that are not available to younger renters.
Area Agency on Aging
Your local Area Agency on Aging (AAA) is a federally funded organization specifically designed to support older adults. Many AAAs have emergency funds or can connect you with housing specialists who understand the unique challenges facing seniors. Call 1-800-677-1116 (the Eldercare Locator) or visit eldercare.acl.gov to find your local office.
LIHEAP for Utility Help
The Low Income Home Energy Assistance Program (LIHEAP) helps low-income households pay energy bills. Freeing up utility costs can make it easier to catch up on rent. Eligibility and benefit amounts vary by state. Contact your local Community Action Agency or visit liheap.acf.hhs.gov to learn more.
Section 8 and Public Housing Waitlists
If your rental situation is unstable long-term, it may be time to apply for a Housing Choice Voucher, commonly known as Section 8, or public housing. Waitlists can be long, but getting on one now is a smart move. Contact your local Public Housing Authority (PHA) to check if waitlists are open in your area.
What to Say to Your Landlord
If you are behind on rent and waiting for assistance to come through, talk to your landlord sooner rather than later. Many landlords, especially small independent property owners, would rather work out a payment plan than go through the cost and delay of eviction. Put any agreement in writing. Let your landlord know you are actively seeking help and provide documentation if you can.
Eviction is a process that takes time. Most states require notices and court hearings before a renter can be removed. Use that time to seek help and know your rights.
Rental Assistance Alternatives: A Quick Checklist
- Call 211 or visit 211.org
- Contact your local Community Action Agency
- Reach out to the Salvation Army and Catholic Charities
- Call local churches directly
- Check your state housing agency website for active programs
- Call a HUD-approved housing counselor at 1-800-569-4287
- Contact your Area Agency on Aging at 1-800-677-1116
- Apply for LIHEAP to reduce utility costs
- Get on a Section 8 waitlist if long-term stability is a concern
Take the Next Step Today
Losing access to Emergency Rental Assistance can feel overwhelming, but there are real rental assistance alternatives within reach. The most important thing you can do right now is make one phone call. Dial 211 today and ask what help is available in your area. You may be surprised how much support is still out there waiting for you to ask for it.
For older adults, the Eldercare Locator at 1-800-677-1116 is another powerful starting point. Trained specialists can connect you with housing help, benefits counseling, and other services tailored specifically for people 55 and older. Do not wait until an eviction notice arrives. Reach out today.
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