Are stimulus checks under the CARES Act counted as household income or toward the $10,000 readily available asset limit?
No, household stimulus payments are not included in calculations of income or toward the asset limit.
Will Emergency Housing Assistance cover any rent or mortgage payments that were due prior to April?
No, rent or mortgage payments that were due prior to April 1, 2020 are not eligible. Unpaid security deposits corresponding with initial lease agreements effective April 1, 2020 or after are eligible.
Can people who live in government-assisted housing receive Emergency Housing assistance?
No, households receiving other forms of housing assistance, including but not limited to Housing Choice Voucher (Section 8), Project-Based Section 8, Rural Development or Emergency Services Grant (ESG) are not eligible for the program.
How much assistance can I receive for my rent or mortgage payment?
The amount of assistance is based on income, household size, and monthly rent or mortgage costs. Montana Housing will pay the difference between 30 percent of your household’s current gross monthly income and your monthly rent or mortgage payment, up to $2,000/month. Applicants can use a program calculator to estimate the assistance payment. It is recommended that applicants use the calculator to inform their decision on whether to submit a full application.
Are unemployment insurance payments and the stimulus payment I received included in my income calculation for Emergency Housing Assistance?
All unemployment insurance benefits including the additional $600 per week being received should be included in income, the stimulus checks will not be included.
I have a mobile home with monthly lot rent. Is lot rent eligible under this program?
Yes. Applicants with a monthly lot rent or lot lease payment can include that cost in the monthly rent figure in the program application.
How much assistance can I receive for hazard insurance?
The amount of assistance is based on household income and the monthly hazard insurance costs.
Hazard insurance assistance is only available to households who pay this expense directly (not paid by mortgage services from escrow account). Montana Housing will pay the difference between 30 percent of your household’s current gross monthly income and your monthly hazard insurance, up to $2,000/month. If your household also pays a monthly mortgage, the mortgage payment is included in the calculation and $2,000/month cap. Applicants can use a program calculator to estimate the assistance payment. It is recommended that applicants use the calculator to inform their decision on whether to submit a full application.
What if someone needs assistance for more than two months?
Subsequent months of housing assistance will be contingent on completion of a monthly Request for Continued Housing Assistance form attesting to the need for on-going assistance and is subject to available funding.
Can I receive Emergency Housing assistance if I’m participating in a mortgage forbearance program?
Yes. Homeowners meeting program eligibility that are in a forbearance program will use funds to bring their loan current.
Will the money be sent to me to pay my rent or mortgage payment?
No, Montana Housing will issue rent or mortgage assistance payments directly to the landlord, property owner or mortgage servicer.
Note to households who applied under the initial Emergency Housing Assistance Program from April 17 to May 6:
Montana Housing will continue to process all applications for families with minor children received under the initial program from April 17 to May 6. These applicants do not need to submit a new application.
Applicants can contact customer service for inquiries:
Phone: 406.841.2840 (TDD 406.841.2702 or Toll Free 800.761.6264)
Email: email Montana Housing here