Lake County Emergency Rental Assistance Program (ERA-2 Program)

The U.S. Department of the Treasury has provided Lake County with funds to assist eligible households that are unable to pay rent, deposit, or utilities due to the COVID-19 Pandemic hardships. General information about this Federal program can be found here: Emergency Rental Assistance Program | U.S. Department of the Treasury

To apply for rental assistance, please review the program eligibility criteria and click on the link provided at the bottom of this page.

Eligibility

1.     Applicants must live in Lake County and the leased premises must be the Applicant's primary     residence.

2.    Applicant must be obligated to pay rent. A written lease with terms and conditions is required. The lease must be signed by the tenant and landlord. The minimum terms to be included: landlord name and address, tenant name, leased property address, start date, end date, amount of rent, frequency of payment (monthly, weekly, etc.), clause related to non-compliance with lease terms (example: termination/eviction clause), where/how rent is to be paid and to whom. Other allowable fees must be clearly identified in the lease agreement to be eligible.

3.    Applicant’s rent must be past due and past due rent must be the result of:

  • One or more individuals in the household have qualified for unemployment benefits or have experienced a reduction in household income, incurred significant costs, or experienced other financial hardship during or due, directly, or indirectly to the coronavirus outbreak; and 
  • One or more individuals in the household can demonstrate a risk of experiencing homelessness or housing instability or loss of income due to COVID-19

4.     Applicant must demonstrate that the household is at risk of becoming homeless or experiencing housing instability by providing a Lake County Rental Ledger showing the Applicant's housing costs are past due. This form must be signed and dated by the landlord. Click here to access the Lake County Ledger Form. Persons with disabilities needing assistance with this form should contact (352)742-6539; if you are hearing or voice impaired, please contact 711 or (352)253-1840.

5.     Total household income for the calendar year 2021 must be at or below 80% of the area median income for Lake County. Total household income for 2021 will be determined by adding together the adjusted gross income (IRS Form 1040 line 11) for each household member that received income in the calendar year 2021. Please refer to the chart below for income limits by household size:  

80% 2021 Income Limits                                

Household Size     Qualifying Income

1                               < $42,750

2                              < $48,850

3                              < $54,950

4                               < $61,050

5                              < $65,950

6                              < $70,850

7                               < $75,750

8                              < $80,600


Restrictions

  • Landlords may not live in the same unit as tenant(s).
  • No verbal leases allowed.
  • Roommates may apply but are assessed as a total household and income tax returns (IRS Form 1040) will be required for all members of the household that received income in the calendar year 2021.

Required Documentation/Information

  • Written lease with terms and conditions signed by landlord and tenant. The minimum terms to be included: landlord name and address, tenant name, leased property address, start date, end date, amount of rent, frequency of payment (monthly, weekly, etc.), clause related to non-compliance with lease terms (example: termination/eviction clause), where/how rent is to be paid and to whom. Other allowable fees must be clearly identified in the lease agreement to be eligible.
  • Landlord’s mailing address, phone number and email address.
  • For each adult in the household:

               - Government-issued ID AND

               - Official piece of mail that connects the household member to the leased property AND       

               - A completed 2021 Tax Return (Form 1040) for each adult household member that      received income in calendar year 2021 (if married filing jointly, only one copy of the return is necessary; however, both adults must be on the joint return. Paper/mailed tax returns must be signed. For e-filing applications, the applicant will need to include a Form 8879 or confirmation page from the tax preparation and filing software/organization.

              - If no 2021 Tax Return was filed but you had Social Security income for the year 2021, a Social Security Award letter is required.

  • For each minor child in the household, documentation that connects the child to the household (must show the child's name and the household address on the document). Some examples are: 

               - Child listed on tax return

               - Mail in the child's name

               - DCF benefit statement (SNAP, Medicaid, etc.)

               - Medical record

               - Official school record that shows minor child’s name and the leased property address

  • Lake County Rental Ledger Form showing charges, payments, and balances due by month. This form must be signed and dated by the landlord.
  • Gender, race and ethnicity for the Primary Applicant. This information will be collected for reporting purposes only. This information is required by the Federal grantor and will not be used in the decision-making process.

Prioritization

This is not a first-come, first-serve program. The processing of an application may be delayed if it does not not qualify for at least one of the priority groups below. The Federal government requires applications be prioritized as follows:

  • Households with total household income at or below 50% of the area median income for Lake County. Please refer to the chart below for income limits by household size: 

          50% 2021 Income Limits

          Household Size    Qualifying Income

  • 1                              < $26,750
  • 2                             < $30,550
  • 3                             < $34,350
  • 4                             < $38,150
  • 5                             < $41,250
  • 6                             < $44,300
  • 7                             < $47,350
  • 8                            < $50,400
  • Households in which one or more individuals are unemployed as of the application date and  have not been employed for the 90-day period preceding the application date. 

Award

The maximum award for rental assistance per household is $15,000.

  • Qualified households are eligible to receive up to 15 months of past due rent plus the current month's rent. An additional two months of prospective rent (prepaid rent) will be provided to all eligible applicants when the ERA-2 application is submitted.
  • Qualified households are eligible to receive past due utility assistance and rental deposit charges. Applicants are only eligible to receive benefits for costs incurred after the household's COVID-19 financial hardship date. For example: If a household member was unemployed in December and the household's rent is past due since May, the applicant will only be eligible to receive assistance with past due rent incurred in December and thereafter (past due rent for the months of May to November will be ineligible).

Frequently Asked Questions

Please click here to view answers to our FAQ page.


About
The Lake County Coronavirus (CV-1) Mortgage Assistance Program will assist eligible households with past due mortgage payments.  Funds will be paid directly to the household’s mortgage company. Awards will be made on a first-come-first-serve basis until funds are depleted.

Award
Up to $5,000 grant per household

Eligibility Requirements

  • Head of household must be a U.S. citizen or permanent resident alien;
  • Residence must be household's primary residence and be located in Lake County, Florida;
  • Residence must have a Homeowner's Exemption. 
  • Household must have experienced a financial hardship due to COVID-19 (unemployed, underemployed, reduction of employment hours or rate of pay);
  • Household income must be at or below 120% of the area median income: 1 person household - $61,080; 2 person household $69,840; 3 person household $78,600; 4 person household $87,240; 5 person household $94,320; 6 person household $101,280; 7 person household $108,240; 8 person household $115,200; 9 person household $122,136; 10 person household $129,115.

Eligible Expenses

The past due mortgage payment (excludes escrowed real estate property taxes) expense incurred must have occurred after March 13, 2020 in order to be eligible for assistance.

Required Documents

Applicant will need electronic copies of the following documents for upload to the online application. Acceptable file types: .csv, .doc, .docx, .odt, .pdf, .rtf, .txt, .wpd, .wpf, .gif, .jpg, .jpeg, .png, .svg, .tif, .tiff

  • Applicant and all other adult household members 18 years of age and older  are required to submit a driver’s license, passport or other government-issued photo identification;
  • Minor children in the household - birth certificate, government-issued identification, or other form of identification such as school record;
  • All monthly mortgage statements showing past due balances (if real estate property taxes are escrowed, these amounts must be separately identifiable);
  • A completed Duplication of Benefits form for any adult household member 18 years of age or older, on the mortgage.  This form can be accessed during the application process or by clicking on this link. https://cdn.lakecountyfl.gov/media/ardbsqdz/cv1-mortgage-assistance-program-duplication-of-benefits-form-ada.pdf  Please remember to print, sign and submit;  
  • Self-certification of Income and COVID-19 Hardship form for all adult household members 18 years of age and older.  This form, can be accessed during the application process or by clicking on this link; https://cdn.lakecountyfl.gov/media/dm3jhamj/cv1-mortgage-assistance-program-self-certification-form-ada.pdf.  Please remember to print, sign and submit.

For additional information and questions related to eligibility, application, selection process, and disbursement, please visit https://lakecountyfl.submittable.com/submit and scroll to the bottom of the page. For all other inquiries, call  352-742-6539 or email CRFhousingassistance@lakecountyfl.gov. If you experience technical issues on Submittable, please go to https://www.submittable.com/help/submitter/.

APPLICATION INSTRUCTIONS

General Instructions
All household members 18 years of age or older must sign and date the application and  Self-certification form.  In addition, the head of household and any household members on the mortgage must sign the Duplication of Benefits form. 

Itemized Instructions

  • HEAD OF HOUSEHOLD INFORMATION: The applicant must be the Head of Household. Provide your legal name, an address where you receive your mail, an e-mail address (if applicable), your date of birth, and your marital status and other fields.
  • RACE AND ETHNICITY FOR HEAD OF HOUSEHOLD: This information is collected for reporting purposes only.
  • HOUSEHOLD COMPOSITION AND CHARACTERISTICS: As of today, list all other members of the household. Indicate the relationship of each family member to the Head of Household, date of birth and marital status. 
  • COVID-19 INFORMATION: To be eligible for assistance, the household must have been negatively impacted by COVID-19 as evidence by unemployment, underemployment, reduced employment or other loss of income. 
  • INCOME INFORMATION: Provide information on all household income sources. Income includes the following: wages, salaries and tips, alimony, child support, military income, part-time income, temporary income, TANF, Social Security, other benefits, and other income for all household members. Food benefits are NOT considered income.
  • ASSET INFORMATION: Provide the requested information on assets for all household members. Examples of what constitutes assets are: (1) cash held in savings, checking accounts, safe deposit boxes, homes, etc.; (2) stocks, bonds, treasury bills, CDs, mutual funds, money market accounts, and other investment accounts; (3) individual retirement accounts, 401(k), Keogh accounts, annuities, and other similar retirement savings accounts; (4) cash value of life insurance policies available to the holder before death; (5) personal property that is held for investment purposes; (6) equity in real property; (7) retirement and pension funds; (8) mortgage or deeds of trust held by the applicant. Some items of personal property are NOT counted as assets for the purposes of determining annual income: (1) automobiles; (2) jewelry; (3) term life insurance policies
  • OTHER COVID-19 ASSISTANCE RECEIVED: Provide information about other types of COVID-19 related assistance received by the household. 
  • AGREEMENT TO TURN OVER PROCEEDS; FUTURE RE-ASSIGNMENT: (a) If the applicant has received or receives any Proceeds from any source that covers the expenses covered by the CRF assistance provided, the applicant agrees to promptly pay such amounts to the County. (b) In the event that the applicant received, receives or is scheduled to receive any proceeds not previously disclosed to the County the applicant shall notify the County of such subsequent proceeds, and the County will determine the amount, if any, of such subsequent proceeds that are a duplication of benefits (DOB). Subsequent Duplication of Benefits proceeds shall be disbursed as follows: (1) If the Award has been fully expended by the County, any subsequent DOB proceeds shall be paid by applicant to the County up to the amount of the Award. (2) If no portion of the Award has been expended by the County, any Subsequent DOB proceeds shall be paid by applicant to the County and used to reduce the Award. If the application of the subsequent DOB proceeds would reduce the award to zero, all subsequent DOB proceeds and any funds previously paid by the applicant to the County shall be returned to the applicant, and this Agreement shall terminate. (3) If some portion of the award has been expended by the County, any subsequent DOB proceeds shall be used, retained and/or disbursed in the following order: (1) subsequent DOB proceeds shall first be paid by applicant to the County to reduce the unexpended portion of the award; (2) if the application of the subsequent DOB proceeds would reduce the unexpended award to zero, any remaining subsequent DOB proceeds shall be applied to expended portion of the award and retained by the County; (3) if the application of the subsequent DOB proceeds reduces both the unexpended and the expended portions of the award to zero, any remaining subsequent DOB proceeds shall be returned to the applicant, and this agreement shall terminate. (4) If the County makes the determination that the applicant does not qualify to participate in the Program or the applicant decides not to participate in the Program, the subsequent DOB proceeds and any funds previously paid by the applicant to the County that have not been used or obligated by the Program shall be returned to the applicant, and this Agreement shall terminate. (5) Once the City/County has recovered an amount equal to the award, the County will reassign to applicant any rights assigned to the County pursuant to this Agreement.
  • FALSE STATEMENTS: Chapter 817 of the Florida Statutes provides that willful false statements or misrepresentation concerning income and assets or liabilities relating to financial condition is a misdemeanor of the first degree and is punishable by fines and imprisonment provided under §775.082 or 775.083. Applicant is hereby notified that intentionally or knowingly making a materially false or misleading written statement relating to the Program could result in ineligibility for benefits, action to recover any Program benefits paid to or on behalf of applicant, and/or a referral to criminal law enforcement. Applicant represents that all statements and representations made by applicant regarding Proceeds received by applicant have been and shall be true and correct.
  • PUBLIC RECORDS DISCLOSURE AND ACKNOWLEDGMENT: Information provided by the applicant(s) may be subject to Chapter 119, Florida Statutes, regarding Open Records. Information provided by you/your household that is not protected by Florida Statutes can be requested by any individual for their review and/or use. This is without regard as to whether or not you qualify for funding under the program(s) for which you are applying. Having been advised of this fact prior to finalizing the application for assistance or supplying any information, your signature on the application indicates that: I/We agree to hold harmless and indemnify the County, any governmental agency, its officers, employees, stockholders, agents, successors and assigns from any and all liability and costs that may arise due to compliance with the provisions of Chapter 119, Florida Statues. I/We agree that the County does not have any duty or obligation to assert any defense, exception, or exemption to prevent any or all information given to the County in connection with this application, or obtained by them in connection with this application, from being disclosed pursuant to a public records law request. I/We agree that the County does not have any obligation or duty to provide me/us with notice that a public records law request has been made. I/We agree to hold harmless the County or any governmental agency, its officers, employees, stock holders, agents, successors and assigns from any and all liability that may arise due to my/our applying for assistance.
  • ELIGIBILITY RELEASE: It is required that you sign the application, which allows the Subrecipient, State or Vendor to request information from Third Parties if it chooses to do so, concerning your eligibility and participation in this program. This form allows for income, assets, child support, etc. to be verified and documented.




Lake County Florida Government