COVID-19 Mortgage Assistance Program

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This program has closed. Please check back periodically for program updates. 

Limited mortgage assistance is available to help households who have experienced a loss or reduction of employment income due to COVID-19 and have no other available resources.

Eligible households must meet the following requirements:

• Assistance will only be provided for mortgage payments due beginning on April 1, 2020, and onward.
• Applicant(s) must have a letter on company letterhead from their employer that the reduction or loss of income was due to COVID-19.
• The driver’s licenses/state-issued ID’s of all household members 18 or over must match the address of the property on the mortgage statement.
• Applicants applying for mortgage assistance must own the home and have homestead exemption.
• The property must not be in foreclosure or listed for sale.
• Property taxes must be current.
• The mortgage lender/ servicer must be willing to accept payment

Income Limits

Household Members









Income Limit










Frequently Asked Questions

What does the program pay for?

Income eligible households may receive financial assistance for mortgage payments due April 1, 2020 and onward. Applicants with payments past due before April 1, 2020 will not be eligible for assistance. Assistance is limited to two months of payments with a maximum of $3,000 per household. Assistance is limited to a one-time payment. Funding does not have to be repaid.

What are the eligibility requirements?

Applicants must have sustained a loss or reduction in employment income due to the COVID-19 pandemic. Applicants must currently reside in unincorporated St. Lucie County and the total household income may not exceed the income limits shown in the chart above. The household must demonstrate a need for assistance. If you are unsure about whether you reside in unincorporated St. Lucie County, please view your property card at St. Lucie County Property Appraiser. If it states "Jurisdiction: St. Lucie County" you reside in unincorporated St. Lucie County. Residents that live in the city limits of Fort Pierce or Port Saint Lucie may contact the following resources:

Port Saint Lucie: (772) 871-1775 or 

Fort Pierce: (772) 467-3000

Am I eligible if my only income is from Social Security?

No. Emergency services are strictly reserved for individuals whose employment income has been lost or reduced due to the COVID-19 pandemic.  

How is income eligibility determined?

Income eligibility is based on the total household’s current gross income. Verifying documentation is required. The household must also demonstrate a need for assistance. The household cannot have any other available resources. Income and assets for all household members over the age of 18 will be considered. Your mortgage company must be willing to accept funds and must be willing to provide requested information need to process payment. 

What is considered income?

The following is considered income per grant guidelines:

• Money wages and salaries before any deductions;
• Self-employment wages after deductions for business expenses;
• Social Security payments;
• Unemployment;
• Worker’s compensation;
• Veteran benefits;
• Temporary Assistance for Needy Families (TANF);
• Alimony;
• Child support;
• All other allowable sources of income as determined by the grant guidelines.

What documents are required?

The following documents must be submitted with the application:
• Picture ID for all adults in the household 18 or older;
• Birth certificates for all household members under 18;
• Documentation from your employer on company letterhead stating that the reduction or loss of income was due to COVID-19;
• The most recent mortgage statement;
• Proof of current income for all household members;
• 60 days’ worth of income documentation prior to the COVID-19 related hardship;
• Additional documents may be requested at a later date based on the household's specific circumstances.

How do I apply?

Submit a COVID-19 Mortgage Assistance Inquiry. Once submitted, a staff member will respond within 24-48 hours with further instructions on the application process. 

How will my mortgage payment be paid?

Payment will be sent directly to your mortgage lender/servicer. 

Please note that assistance is based on funding availability. For specific program related questions, please contact (772) 462-1777 or