On May 3, 2021, Vermont Housing Finance Agency (VHFA) began accepting applications from Vermont homeowners who are behind on their mortgage payments due to the COVID-19 pandemic. Funded through the Federal CARES Act, the Vermont COVID Emergency Mortgage Assistance Program was first available in July through December 2020. This latest round of program funding provides grants for up to 12 months of past-due mortgage and property tax payments for eligible Vermont homeowners. Homeowners with a mortgage originated no later than March 2020 and who have missed at least one payment since that date are eligible (other requirements apply). If applicants are approved, payments will be made directly to the mortgage servicer or to the town, if property taxes are past due and are not escrowed with the mortgage. A separate rental assistance program is available through the Vermont State Housing Authority at erap.vsha.org. For mortgage assistance, visit www.vhfa.org/map or call (888) 714-2260 to learn more and apply.