Rental/ Mortgage Assistance Programs



Here is the website for the Lake County Emergency Rental Assistance Program: 

Special COVID-19 mortgage payment forbearance.

The economic crises caused by COVID-19 has created a need for rental and utility assistance throughout Lake County. The Lake County Emergency Assistance (LCERA) program helps renters whose income has been impacted by the pandemic. Please see below for additional information.


The LCERA may provide up to twelve (12) months of rental, utility, home energy, and internet assistance to renters affected by COVID-19.


To be eligible for assistance, you must meet all of the following:

1.    Your primary residence is within Lake County, Indiana.

2.    You must be renting your residence and have a valid signed rental or lease agreement.

3.    At least one (1) or more individuals residing in the household meets the following criteria:

a.    Qualifies for unemployment OR has experienced a reduction in income, incurred significant costs, or experienced a financial     hardship due to COVID-19;    

b.    Demonstrates a risk of experiencing homelessness or housing instability; AND

c.     Has a household income at or below eighty percent (80%) of Lake County’s median income.

4.    Have not received rental or utility assistance that duplicates the assistance sought from the LCERA.


Before starting the initial application, please be sure to have the following information readily available:

1.    The primary email address of the tenant completing the application.

2.    The total number of individuals in the residence, along with their names and birthdates.

3.    The total annual household income, including the income of all adults living in the residence from all sources (wages, alimony, social security, unemployment, etc…).

NOTE: Household income is determined as either the household’s total annual income for the calendar year 2020 or the monthly income at the time of the application

4.    The Name, telephone, and email address of your landlord.

5.    Copy of state ID with address that matches the current residence for all adults living at the residence.

6.    Proof of renter status (e.g., current written and signed lease).

7.    Documentation of income: either your 2020 IRS 1040 tax return, or proof of income for past thirty (30) days (e.g., paystubs,

employment statement, etc…)

8.    If seeking rental assistance, documentation that you are behind on rent (e.g., a past due letter from your landlord, a pending court eviction, eviction notice, or similar document).

9.    If seeking utility assistance, documentation that you are behind on utilities (e.g., copy of most recent utility bill).


Once your application has been submitted, it will be assigned to a partner agency to perform an eligibility and documentation review.  If any documents are missing or require additional clarification, the partner agency will be your primary contact to assist in the completion of your application.  Once an initial review has been completed, your application will be sent for formal administrative review for approval determination.  You will receive a notice of approval or non-approval via email.   

If you need assistance completing the application form, please click our LIST OF AGENCIES who you may select to assist you. 

If you are ready to begin your initial application (and have all the information needed to complete it), please click HERE to begin. You will be required to create an account, complete a short eligibility screening, and if provisionally eligible, complete the initial application. 

*The first three weeks of the Lake County Emergency Rental Assistance (LCERA) application process, April 1st through the 21st, will give priority to households who meet the following criteria:

  • Individual(s) who has been unemployed for 90 days prior to the application for assistance; AND/OR
  • Individual(s) who has a household income at or below 50% of the area median income

Please note, the processing time of your application varies depending on the submission of all required documents.  Check your Submittable account for messages from the LCERA staff for requests or inquiries for documentation, and updates on application status.  Please respond timely to requests from the LCERA staff.  Application process time varies from 30-45 days.

Mortgage Assistance

If you’re an Indiana homeowner who’s fallen behind on your mortgage payments or is unable to make future payments due to an involuntary financial hardship, we want to help you stay in your home.

The deadline to apply for up to $30,000 of mortgage assistance from Indiana's Hardest Hit Fund is May 3, 2021. Please submit your application online or call 1-877-GET-HOPE (1-877-438-4673).


Below is a link for rental/ mortgage assistance living outside of Elkhart County, Hamilton County, Lake County, Marion County, City of Fort Wayne, And St. Joseph County.

The Rental Assistance Portal is designed to help Indiana renters living outside of Marion County whose income has been adversely affected by COVID-19 avoid eviction by connecting them with programs that can help them cover monthly rent payments or past due rent. Individuals that are unable to complete the application online should call 317-800-6000.
This phone number is available Monday – Friday from 8:00 am – 5:00 pm Eastern. 


Application Portal-> 

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