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COVID-19 Iowa Eviction and Foreclosure Prevention Program

Assistance for Iowa Renters and Homeowners

Governor Reynolds allocated federal CARES Act funds to assist Iowans who had been economically impacted by COVID-19 and were facing housing hardships. The program provided short-term relief to income-eligible renters and homeowners who were at risk of eviction or foreclosure.

THE APPLICATION PERIOD IS NOW CLOSED.

 

Reporting

The number of Iowa renters and homeowners who have been assisted through the COVID-19 Eviction and Foreclosure Prevention program was last updated Nov. 30, 2020.

See the updated numbers

If you are at imminent risk of eviction or foreclosure and need legal assistance, Iowa Legal Aid may be able to assist you at no cost.

Phone: 1-800-532-1275 | Online Help

Iowa Eviction Education Flyer

Frequently Asked Questions

1. What is the timeline for applications?

The application period is now closed.

2. How will payments be made?

Once an application is approved and the landlord verification is received, a single, one-time payment will be issued directly to the landlord or mortgage servicer.

3. If I receive eviction assistance through this program, can I still be evicted?

Before a landlord can receive a rental payment, they must certify that they will not evict the household for nonpayment for the months of assistance received through the COVID-19 Iowa Eviction and Foreclosure Prevention Program.

4. The status of my application says “pending landlord verification” what does this mean?

In order for an application for eviction prevention assistance to be approved, the landlord must complete the online verification to certify the rental information on the application is correct, provide further details and certify that they agree to the terms of the assistance. If your landlord does not submit the certification within ten days of the date of your application submission, the application will be denied.

5. Can I apply for eviction prevention assistance if I live with roommates?

Yes, you may apply for rental assistance if you live with one or more roommates, but you can only be awarded funding to assist with that portion of the rent payment for which you are personally responsible.

6. What should I do if I realize I made a mistake in my application after submission?

Please do not submit another application since duplicate applications will only slow the review process. Instead, email the housing recovery team explaining the error and providing the correct information. Be sure to include your first and last name and complete address in the email and enter the subject line of your email as “EFP APPLICATION CORRECTION.”

7. What can I do while I wait to receive a response to my application?
  1. Notify your landlord that you have applied for assistance under Iowa’s COVID-19 Eviction and Foreclosure Prevention Program
  2. Log into your application at any time to check its review status.
  3. We also recommend that you check your email inbox frequently (at least daily), including the spam folder, to make sure you are seeing, and responding to, any communications that may have been sent by the program administrator handling your application, as well as emails from the Iowa Finance Authority.
8. I applied for assistance under the state’s COVID-19 Eviction and Foreclosure Prevention Program. Why am I being contacted by another agency?

IFA has contracted with partner organizations to provide administrative support under the program and may contact applicants to request follow-up information.

9. Do I have to tell my landlord that I applied for assistance?

Tenants are strongly encouraged to communicate their inability to pay any or all their rent to their landlord as soon as they know that to be the case and to notify their landlord they have submitted an Eviction and Foreclosure Prevention Program application. Before your application for eviction prevention assistance can be approved, your landlord must complete the required certification and agree to the terms of assistance within ten days of the tenant’s application, so it is in your interest to notify your landlord of your application submission.

10. Am I guaranteed assistance once I apply?

No, an application is not a guarantee of assistance. Eligible applicants will receive assistance if funding is available. Complete applications are reviewed on a first come, first ready to proceed basis. Only fully completed applications that provide all required documentation will be reviewed for eligibility.

Applicants who receive a notice of incomplete application with instructions to provide missing information must successfully provide all necessary information to move their application forward. Funding will not be reserved for incomplete applications. Applicants who fail to provide all required information or are found ineligible based on the program’s requirements will not receive assistance.

Landlords must also complete the required certification and agree to the terms of assistance. Failure by a landlord to complete the required certification and agree to the terms of assistance within ten days of the tenant’s application will result in the denial of the application. Applications that could be considered eligible may not receive assistance if funding is no longer available under the program based on demand.

11. What about assistance with property taxes on the home I own which is not mortgaged?

The EFP program funds cannot be used to pay delinquent property taxes. There is, however a moratorium on penalties and interest on property taxes until June 26, 2020.

There are relief programs such as property tax credit, suspension, or abatement for Iowans who are elderly or disabled, more information is available here.

You may also check with your local tax authority to see if there is any relief available.

12. What is the difference between Eviction Prevention and Foreclosure Prevention?
Eviction Prevention helps a tenant prevent eviction through rental assistance payments made directly to the tenant’s landlord. Foreclosure Prevention helps a homeowner avoid foreclosure through mortgage assistance payments made directly to the homeowner’s mortgage loan servicer.
13. The Landlord Verification asks me to provide my Bank Name, Routing Number and Account Number. How do I know my bank's routing number?
Your bank’s routing number is always a 9-digit number found at the bottom of your checks. Generally, the routing number is the first set of numbers on the check but may be the middle set of numbers on business account checks. You may also contact your bank directly and ask them to provide the correct routing number for ACH payments. Providing an incorrect routing number will delay the deposit of the rental assistance to your account.
14. What happens to the rental assistance paid to my landlord if I decide to terminate my lease and move before the end of the paid rental assistance time period? For example, what if I receive rental assistance through this program for June, July, August and September but decide to terminate my lease and move in August?
Your landlord will be required to repay to the Iowa Finance Authority any rental assistance which cannot be applied to your current lease due to termination of the lease by either party.
15. Will funds received through a state COVID-19 relief program be taxed as income?

Iowa Small Business Relief Grants have been granted state tax exemption by the Iowa legislature. More information will be forthcoming as guidance becomes available in regard to state taxes for other COVID-19 relief programs. Please reference the Internal Revenue Service Guidance for information on federal taxes as they relate to COVID-19 relief funds.

Application Status

Check the status of your application using the links below.

Application for Eviction Prevention

Application for Foreclosure Prevention

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