The Thomas Jefferson Planning District’s Emergency Rent and Mortgage Relief Program

RMRP Program Summary

As a regional body coordinating activities to provide housing stability in Region 10, the TJPDC is administering the Virginia Department of Housing and Community Development’s (DHCD) Rent and Mortgage Relief Program (RMRP). This program is designed to support and ensure housing stability across the Commonwealth during the Coronavirus pandemic. In addition to stabilizing housing, efforts to help individuals and families maintain their housing is in the interest of public health. Through the RMRP, financial assistance will be provided on behalf of households who are experiencing housing instability due to the pandemic.

How to determine eligibility and apply

Applications will be accepted beginning July 15, 2020.

The Thomas Jefferson Planning District Commission has contracted with the following organizations as Sub-Grantees to implement the Thomas Jefferson Planning District’s Emergency Rent and Mortgage Relief Program. If you are in need of financial support owing to past due rent or mortgage payments because of the Coronavirus pandemic, contact the organization in the city or county where you live:

Locality Organization / Phone
Albemarle County United Way: (434) 326-0950
City of Charlottesville United Way: (434) 326-0950
Fluvanna County Monticello Area Community Action Agency (MACAA): (434) 842-2521
Greene County Monticello Area Community Action Agency (MACAA): (434) 260-9956
Louisa County Monticello Area Community Action Agency (MACAA): (540) 967-9522
Nelson County Nelson County Community Development Foundation (NCCDF): (434) 263-8074

Program Eligibility

  • Have a valid lease or mortgage statement in their name or other documentation confirming the landlord-tenant relationship; and
  • Have experienced a loss of income due to the Coronavirus pandemic including but not limited to:
    • Those who have been laid off;
    • Those whose place of employment has closed;
    • Those who have experienced a reduction in hours of work;
    • Those who must stay home to care for children due to closure of day care and/or school;
    • Those who have lost child or spousal support;
    • Those who have not been able to work or missed hours due to contracting COVID-19or
    • Those who have been unable to find work due to COVID-10; or
    • Those whose are unwilling or unable to participate in their previous employment due to their high risk of severe illness from COVID-19; and
  • Have a rent or mortgage amount that is at or below 150 percent Fair Market Rent (FMR). View FMR/AMI tables
  • Have a gross household income at or below 80 percent Area Medium Income (AMI) (based on current month’s income). The determination of income includes any unemployment insurance received by a member of the household but does not include one-time payments such as a stimulus check. View FMR/AMI tables

RMRP Program Details

Mortgage Relief: Homeowners may receive financial assistance for mortgage payments past due beginning April 1, 2020 and onward. Financial assistance is a one-time payment with opportunity for renewal based on availability of funding and the household’s need for additional assistance.

Rent Relief: Tenants may receive financial assistance for rent payments past due beginning April 1, 2020 and onward. Financial assistance is a one-time payment with opportunity for renewal based on availability of funding and the household’s need and eligibility for additional assistance. If household returns for additional assistance, current income must be verified. There are two options listed below.

Many initial applicants will have the upcoming rent payment due as well as past due rent payments from previous eligible months. Tenants and landlords may negotiate one of two options for the landlord to receive eligible past due rent payments with each option having different stipulations required of the landlords.

  • Option 1: Provision of RMRP financial assistance for one month of current rent and up to three months of past due rent with landlord forgiving an equal number of months of past due bills (rent and all associated fees).
    • Renters are eligible to receive the upcoming rent payment due and up to three additional months of past due rent payments that were incurred on or after April 1, 2020. To receive this total of up to 4 months of payments, the landlord must cancel all remaining past due bills (rent and all associated fees) which must at least equal the amount of payments to be made with RMRP funds. This agreement may be structured based on the level of need (e.g. tenants with 8 months past due rent may have 4 months paid by RMRP and 4 months forgiven by the landlord, or tenants with 4 months of past due rent may have 2 months paid by RMRP and 2 months forgiven by the landlord). By accepting payment of Virginia Rent and Mortgage Relief Program Guidelines 14 June 2020 rent relief under this scenario, all participating landlords must agree not to evict the renter for non-payment of rent associated with the month for which the rent relief payment is made.
  • Option 2: Provision of RMRP financial assistance for one month of current rent and up to one month past due rent with landlord implementing repayment plan for any remaining unpaid past due bills (rent and all associated fees).
    • Renters are eligible to receive the upcoming rent payment due and up to one additional month of past due payments that were incurred on or after April 1, 2020. By accepting payment of rent relief under this scenario, all participating landlords must agree not to evict the renter for non-payment of rent associated with the month for which the rent relief payment is made and must provide a payment plan for any remaining past due rent. This debt must be payable over a period of at least 6 months and during this period of time, the renter must not be evicted for nonpayment of any of the past due rent that is under a payment plan.

Rent and Mortgage Relief Payment Requirements

Payments will be made directly to landlords, property management companies, or mortgage lending institutions.

Required Documentation

Overall Required Documentation:

  • Proof of discussion to identify alternate resources; and
  • Proof of income (pay stubs, bank statements, letter from employer, social security documents, pension); and
  • Completed Virginia RMRP Household Eligibility Certification (Attachment B)

In addition to overall RMRP required documentation provided above, the following documents are required for payment of Rent and Mortgage Relief:

Rent Relief:

  • Valid lease in the Tenant’s name with a landlord that is in compliance with tenant/landlord laws.
  • Landlord affidavit (includes a W-9 IRS form) stating the tenant is past due in rent and detailing the total rent amount owed including any late fees in compliance with CARES Act and Virginia House Bill 1420.
  • RMRP Landlord and Renter Household Agreement (Attachment C)

Mortgage Relief:

  • Mortgage Statement in the Homeowner’s name.
  • Documentation that the household has been deemed ineligible or been denied forbearance from their lending institution.
  • W-9 IRS form from lending institution.