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Mortgage & Utility Payment Assistance Grant Program

Renters who need assistance with rent and utility payments due to COVID-19, visit stpete.org/RentAssistance.

Applications for the Coronavirus Relief Fund were accepted through Nov. 13, 2020. Homeowners will still be able to apply for COVID-related mortgage and utility assistance with the Mortgage & Utility Payment Assistance Grant Program application, as of Jan. 2, 2021.

How it Helps

The Mortgage & Utility Payment Assistance Grant Program (formerly known as the Coronavirus Relief Fund) provides grants to eligible homeowners who are currently unemployed or underemployed as a result of COVID-19 and have fallen past due with mortgage or utility expenses and/or are in jeopardy of future payment delinquency due to lost or diminished income.

Assistance is available for the following expenses:

  • Mortgage Payments
  • Homeowners Association Fees
  • Electric
  • Gas

Please note, funding will not be awarded if:

  • Mortgage or utility payments were delinquent prior to Dec. 1, 2020
  • Mortgage or utility payments are delinquent for any reason other than the results of COVID-19
  • Mortgage payments were more than 90 days late during 2020 or in Lis Pendens (foreclosure)
  • Homeowner is obligated to the State, Federal or local government for liens or assessments
  • Mortgage payments are currently delinquent 90 days and the homeowner cannot provide evidence that payments can be maintained moving forward
  • Homeowner is currently in a mortgage forbearance agreement with the primary lender
  • Liquid assets exceeding $6,000
  • Homeowner voluntarily resigned employment for any reason other than related to COVID-19

Qualifications

The total household income cannot exceed 80% of the Area Median Income (AMI) for the St. Petersburg/Tampa/Clearwater geographic area as adjusted for household size. Those in a forbearance program (when the mortgage servicer or lender allows a temporarily paused or reduced mortgage payment) with their mortgage lender are not eligible for the Mortgage & Utility Payment Assistance Grant Program and need not apply.

Household Size 80% AMI
1 $39,400
$45,000
$50,650
$56,250
$60,750
$65,250
$69,750
$74,250


The property must be:

  • A single-family home
  • Located within the St. Petersburg municipal boundaries
  • Occupied as the principal homestead residence of the homeowner
  • Valued at less than 90% of the average sales price established within the Clearwater-Tampa-St. Petersburg geographic area ($294,601)

Find full qualifications and application requirements below.  

Documentation

Application Checklist

Mortgage & Utility Assistance Grant Program Application

Application Submission Options:

Mail To:
Housing and Community Development Department
Municipal Services Center 
One 4th St. N., 9th Floor 
St. Petersburg, FL 33701

Deliver To:
Housing and Community Development Department
Municipal Services Center 
One 4th St. N., 9th Floor 
St. Petersburg, FL 33701
Open Monday-Friday 8 a.m.-5 .p.m.

NOTE: Complete all documents and ensure all required documentation is included before submitting your application. Applications with photographed documents will not be accepted. Documents scanned as PDFs are acceptable.

Any questions, call 727-893-7247.

Additional Resources

Federal Foreclosure Moratorium

Foreclosure moratoriums for federally-guaranteed mortgages and continuing applications for forbearance for federally-guaranteed mortgages have been extended until at least March 31, 2021. Find more information here.

More

The City has set aside funding to create programs and partner with local organizations to help residents in need. Find more resources and information on how the City is working to Restart St. Pete here

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