City of Charlotte COVID-19 Mortgage Relief Assistance Program

Posted By: Wesley Masters News,

The City of Charlotte is partnering with The Charlotte-Mecklenburg Housing Partnership (The Housing Partnership) to provide mortgage assistance to homeowners who need help with mortgage payments due to COVID-19.  Please note that due to limited funding, applications will be approved and assistance will be provided on a first come, first served basis.


Program Features

Assistance will be prioritized for homeowners with an active HouseCharlotte downpayment assistance loan, and to other homeowners with an income of up to 80% Area Median Income (AMI) who have experienced a loss or reduction of income due to COVID-19. The program provides up to 3 months of mortgage payments (principal, interest, taxes and insurance) as a grant to qualified applicants. Approved applicants must attend foreclosure prevention counseling with The Housing Partnership.



  • Households with an income of up to 80% of AMI prior to loss or reduction due to COVID-19 (chart below).
  • Homeowners must have been current on mortgage prior to loss of income due to COVID-19.


U.S. Department of Housing and Urban Development Household Size / Income Limit

Family Size 1 2 3 4 5 6 7 8
80% AMI $44,250 $50,600 $56,900 $63,200 $68,300 $73,350 $78,400 $83,450


How to apply:

Potential participants should complete the following pre-application survey:

Applicants will be notified of their application status via email within one week of applying.

Approved applicants will be required to provide the following documents:

  1. Income verification (last two paystubs)
  2. Verification of Job Loss or Income Loss
  3. Verification of Mortgage Payment (Mortgage Payment Statement)


For more information, please contact The Housing Partnership at 704-343-4692.

This is a City of Charlotte program, being managed by The Housing Partnership in compliance with all federal, state, and local fair housing laws. The Housing Partnership will not discriminate against any person because of race, color, religion, national origin, sex, familial status, disability, or any other specific classes protected by applicable laws. The Housing Partnership will allow any reasonable accommodation or reasonable modification based upon a disability-related need.


If you're experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you.  ERAP-CLT is a partnership between the City of Charlotte and The Housing Partnership.


ERAP-CLT may be available to individuals and families who are experiencing a delay in making their rental payments due to COVID-19. Please note that due to limited funding, applications will be approved, and assistance will be provided on a first come, first served basis.


For eligibility requirements and to complete the online application, please visit If you have any questions, please email or call (704) 351-6382.

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