Frequently Asked Questions About Eviction Protection and the CARES Act

Q1: Who is eligible for eviction protection under the CARES Act?

A. Renters are eligible for eviction protection through the CARES Act if they live in a rental home that is receiving federal subsidies or if they live at a property with a federally backed mortgage. Specifically, this includes rental housing supported by the following federal housing programs:

  • Public housing
  • Section 8 Housing Choice Vouchers;
  • Section 8 Project-Based Rental Assistance;
  • Section 202 Supportive Housing for the Elderly;
  • Section 811 Supportive Housing for Persons with Disabilities;
  • Housing Opportunities for Persons with AIDS (HOPWA);
  • McKinney-Vento Homeless Assistance grants;
  • Section 236 Preservation program;
  • HOME investment partnership;
  • Rural Development multifamily housing (Section 516 Farm Labor Housing Grants, Section 542 Rural Development Vouchers, Section 521 Rural Rental Assistance, Section 533 Housing Preservation grants);
  • The Low Income Housing Tax Credit (LIHTC) program;

It also includes rental housing with a single-family or multifamily mortgage that is

  • purchased or securitized by Fannie Mae or Freddie Mac;
  • insured by the Federal Housing Administration (FHA);
  • guaranteed, directly provided by, or insured by the Department of Veterans Affairs (VA);
  • guaranteed, directly provided by, or insured by the Department of Agriculture (USDA); or
  • guaranteed under HUD's Native American or Native Hawaiian Home Loan Guarantee programs

Source: US House Committee on Financial Services 

Q2: How can I check if my home qualifies for eviction protection through the CARES Act?

A. You can access NLIHC's database of Multifamily Properties Subject to Federal Eviction Moratoriums. This is the most comprehensive tool that tracks eligibility for the CARES Act eviction moratorium. This database contains data on millions of apartments in multifamily housing insured by the Federal Housing Administration or securitized by Fannie Mae or Freddie Mac, and millions more supported by the Low Income Housing Tax Credit, HUD, and/or USDA programs. However, the database and map are not comprehensive; they do not include data on single-family rental homes of one to four units that are also protected under the CARES Act, and they do not include all Fannie Mae and Freddie Mac multifamily mortgages.

You can also register for the National Housing Preservation Database (NHPD) and search for your property name and/or address to verify whether your home receives federal subsidies and is eligible for protections. The NHPD is an inventory of properties assisted by federal rental subsidies across the country. If your home address or property name appears in the NHPD and has a property status equal to active, you are covered under eviction protection through the CARES Act. However, please note that the NHPD does not include all housing programs eligible for federal eviction protection through the CARES Act.

We will update this page and notify all registered NHPD users if additional data becomes available on properties eligible for CARES Act eviction moratorium protections.

Q3: Which housing programs eligible for eviction protection through the CARES Act are included in the NHPD?

A. The table below lists which housing programs eligible for eviction protection are included in the NHPD.

Housing programs eligible for federal protection through the CARES Act Can I find this in the NHPD?
Public Housing Yes
Section 8 Housing Choice Vouchers No
Section 8 Project-Based Rental Assistance Yes
Section 202 Supportive Housing for the Elderly Yes
Section 811 Supportive Housing for Persons with Disabilities Yes
Low Income Housing Tax Credit (LIHTC) Yes
Housing Opportunities for Persons With AIDS (HOPWA) No
McKinney-Vento Homeless Assistance grants No
Section 236 Preservation program Yes
HOME investment partnerships Yes
Section 516 Farm Labor Housing Grants No
Section 542 Rural Development Vouchers No
Section 521 Rural Rental Assistance Yes
Section 533 Housing Preservation grants No
Mortgages purchased or securitized by Fannie Mae No
Mortgages purchased or securitized by Freddie Mac No
Mortgages insured by the Federal Housing Administration (FHA) Yes (multifamily with affordability restrictions only)
Mortgages guaranteed, directly provided by, or insured by the Department of Veterans Affairs (VA) No
Mortgages guaranteed, directly provided by, or insured by the Department of Agriculture (USDA) Yes (multifamily only)
Mortgages guaranteed under HUD's Native American or Native Hawaiian Home Loan Guarantee programs No

Q4: My home isn't listed in the NHPD. Where else can I check to see whether I am eligible for eviction protection through the CARES Act?

A. If your home isn’t listed in the NHPD, you can check whether your state or city has passed additional eviction protections beyond the CARES Act (see Q11). You can also contact your landlord to verify whether your apartment has a federally backed mortgage or is assisted by a housing program not tracked in the NHPD. Your landlord can use lookup tools to confirm whether the mortgage on your apartment is owned or securitized by Freddie Mac and Fannie Mae. You can find more information on housing programs not listed in the NHPD below:

Housing programs eligible for federal protection through the CARES Act not listed in the NHPD Where else can I get information on this program?
  • Section 8 Housing Choice Vouchers
  • Housing Opportunities for Persons with AIDS (HOPWA)
Contact your local Public Housing Agency
  • Mckinney-Vento Homeless Assistance grants
Contact your local Continuum of Care
  • Section 516 Farm Labor Housing Grants
  • Section 542 Rural Development Vouchers
  • Section 533 Housing Preservation grants
Contact your USDA State Office
  • Mortgages purchased or securitized by Fannie Mae
  • Mortgages purchased or securitized by Freddie Mac
NLIHC's database of Multifamily Properties Subject to Federal Eviction Moratoriums includes some properties with mortgages backed by Freddie Mac and Fannie Mae.
If your home isn't listed in NLIHC's database, you can contact your landlord for more information.
  • Mortgages guaranteed, directly provided by, or insured by the Department of Veterans Affairs (VA)
  • Mortgages guaranteed, directly provided by, or insured by the Department of Agriculture (USDA)
  • Mortgages guaranteed under HUD's Native American or Native Hawaiian Home Loan Guarantee programs
Contact your landlord
  • Mortgages insured by the Federal Housing Administration (FHA)
NLIHC's database of Multifamily Properties Subject to Federal Eviction Moratoriums

Q5: My apartment complex includes multiple buildings with different addresses. Which address should I search for in the NHPD?

A. Since the NHPD only includes one address per property, it’s possible that the address listed in the NHPD may differ from your mailing address. If you live at a property that includes multiple buildings, try searching for your property by filtering by state, city, and street name or property name first. If you live at a property with multiple buildings spanning more than one road, try searching all street names your property is on.

Q6: How do I view which federal housing program covers my home?

A. If you found your apartment complex or home in the NHPD, you can view which federal housing program your home is covered by clicking the arrow to the left of the property record (highlighted in red below).

 

Q7: What kind of relief is provided for renters under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act)?

A. For renters living in “covered dwellings” (see Q1 for this definition), this bill provides a temporary moratorium on evictions as well as late fees for nonpayment of rent or other charges for a period of 120 days starting on March 27, 2020. Further, landlords would not be allowed to issue a notice to vacate until after this temporary moratorium and they would not be allowed to require a tenant to vacate the unit until 30 days after the notice is given. Renters should be advised that the moratorium only applies to evictions for nonpayment of rent, not for other causes.

Source: US House Committee on Financial Services
 

Q8: If I'm eligible for eviction protection through the CARES Act do I still need to pay rent?

A. Renters should be advised that although they may be protected from eviction proceedings temporarily under this bill, the bill does not treat nonpayment of rent during this period as forgiven and these unpaid amounts will accrue during this period even if fees are not assessed.

Source: US House Committee on Financial Services
 

Q9: What should I do if my landlord isn't complying with the CARES Act?

A. Renters should not have to do anything to benefit from this prohibition on evictions and late fees. Renters who believe their landlord is out of compliance with these provisions should contact their local legal aid or the relevant federal agency (i.e. the agency providing subsidies or federal mortgage backing for the property; see Q1 for more info).

Source: US House Committee on Financial Services

Q10: Is there any other assistance provided that will actually lower rental payments?

A. Renters receiving federal rental assistance can request an income recertification at any time to adjust their rent payment to account for any loss of income. Renters receiving federal rental assistance should contact their local public housing agency or landlord immediately to request an income recertification or a hardship exemption if they have experienced a loss of income.

Source: US House Committee on Financial Services

Q11: Is my city or state providing additional relief to renters and homeowners?

A. Some cities and states are offering eviction and foreclosure moratoriums to all renters and homeowners during the COVID-19 pandemic. For a list of states and cities with eviction and foreclosure moratoriums, visit Eviction Lab's COVID-19 Housing Policy Scorecard and NLIHC's State and Citywide Eviction Moratorium List. For additional information on the court, gubernatorial, and legislative actions taken in response to COVID-19 that impact evictions and foreclosures, visit here.

Q12: Where can I locate information on health and social services in my community?

A. 211 is a free service that connects people to health and human services in their community. Dial 211 or search for your local 211 branch here. Connect by Winn Companies is another tool that allows you to search for services, resources, and community partners to meet your housing, health, employment, education, economic mobility, and community engagement needs in your community. If you're in need of housing assistance, you can find your local Public Housing Authority (PHA) here. Additionally, the local office of your Congressional representative may also be able to connect you to resources in your community. At the same time, you can make them aware of the housing needs in your area. You can use this site to find your Representative’s contact information.

Q13: Does the CARES Act offer any protections to homeowners?

A. Homeowners with federally backed mortgages, which account for 70% of all mortgages, are protected by a 60 day foreclosure moratorium beginning March 18, 2020 through the CARES Act. Click here for more information on protections available to homeowners.