Palm Beach County Department of Housing and Economic Sustainability hereby announces its 2nd Round of funding availability in CARES Act funds for temporary relief to homeowners for the following:
Mortgage Assistance CARES Act funding will provide assistance to income eligible households who are delinquent in their first mortgage and escrow payments (PITI).  Additionally, funding may assist with late fees, attorney’s fees, condominium and homeowners’ association payments, special assessments, and other mortgage associated costs related to COVID-19.

Maximum Award$10,000 (Up to six {6} months mortgage and HOA payments, but not to exceed $10,000 nor December 2020)

Household Size and Income Categories to be served:

Number of Persons

in Household

(Moderate – 140% AMI)

(Less than or Equal to)

1 $86,100
2 $98,420
3 $110,740
4 $122,920
5 $132,860
6 $142,660
7 $152,460
8 $162,260

Program Terms: Financial Assistance will be awarded as a grant

Applicant Selection Criteria: Applicants must complete an online application by visiting this page starting Friday, October 9, 2020 to Monday, November 16, 2020.   Applications will be accepted on a first come, first qualified, first served basis, subject to funding availability.  Applicants must meet the program requirements, at the time of application submittal, and must be able to provide:

(1) proof of loss of income, reduction in hours, or unemployment as a result of the COVID-19 pandemic;
(2) copy of valid drivers’ license or state identification for applicant and co-applicant;
(3) copy of recent pay check stub for applicant and co-applicant (OR) a current completed verification of employment;
(4) a completed YTD profit and loss statement (if self-employed);
(5) copy of recent social security, retirement and/or disability award letter for applicant and co-applicant;
(6) most recent mortgage payment statement showing proof of the applicant’s delinquency

(7) copy of homeowners’/condominium association delinquent statement (if applicable).
NOTE: Mortgage payments must have been current as of February 29, 2020. Eligible applicants can only receive assistance with mortgage and HOA payments up to December 30, 2020 – Assistance for 2021 mortgage and HOA payments are NOT eligible.  Individuals with a forbearance and/or mortgage modification plan in place will be evaluated on a case-by-case basis

Additional Information:

  • Homeowners who received first mortgage financing through Palm Beach County Department of Housing and Economic Sustainability, are not eligible to participate in this program.
  • Property must be participants’ primary residence
  • Property must be located in Palm Beach County
  • Participants’ Assess value of their property may not exceed $331,888 (current maximum sales price for PBC housing programs)
  • Participants MUST BE at least one-month (30+ days) delinquent
  • Participants are required to receive mortgage delinquency default resolution counseling from an Approved Counseling Agency prior to disbursement of funds.
  • Participants can only receive assistance once through the CARES Mortgage Assistance Program

For More Information Contact:

    Mortgage and Housing Investments (MHI) Division
    100 Australian Avenue, 5th Floor, West Palm Beach, FL 33406
    Hours of Operation: 8:00am – 5:00pm
    Telephone: Ms. Prescott (561) 233-3606 (OR) Ms. Horne (561) 233-3693 (OR) Ms. Ellison (561)233-3600
    • Email Address: