RAFT, ERMA, and ERAP Emergency Assistance

Are you unable to pay your rent or mortgage due to COVID-19? 

For individuals and families at risk of being displaced or forced to leave their homes due to COVID-19 employment loss, Residential Assistance for Families in Transition (RAFT) Emergency Rental and Mortgage Assistance (ERMA) or Emergency Rental Assistance Program (ERAP) may be the solution.

These programs provide financial assistance that can be used to help keep their housing, obtain new housing pay their mortgage, or otherwise avoid becoming homeless regardless of source of income, lack of income, lack of income, citizenship, or immigration status.

RAFT/ERMA applications will be considered for the federal Emergency Rental Assistance Program (ERAP): no additional application is required. ERAP includes benefits that can exceed $10,000 and include slightly different eligibility requirements, along with a preference for households who have been unemployed for 90 days or more at the time of application or who have income below 50% AMI Area Median Income. We will match you with the appropriate program based on your needs and circumstances, and may ask additional questions beyond those in the application.

RAFT is targeted to households up to 50% AMI while ERMA/ERAP focuses on households between 50-80% AMI.

Household Size Annual Income Limit for RAFT
(50%)
Annual Income for ERMA/ERAP
(80%)

1$29.900$47,850
$34,200$54,650
3$38,450$61,500
4$42,700$68,300
5$46,150$73,800
6$49,550$79,250

RAFT, ERMA, and ERAP Application

You can choose to start the application process by using either:

  1. the online application shown below, OR
  2. the printable application forms shown below.

If you have other questions or need further assistance please call 413-863-9781.


Online applications

RAFT/ERMA Online Application

Solicitud RAFT/ERMA – FCRHRA – Español

Landlord RAFT/ERMA Online Application

Discrimination by a landlord is prohibited

Landlords should be aware that Chapter 151B of the Massachusetts General Laws prohibits discrimination by a landlord against any tenant receiving federal, state, or local housing subsidies, including rental assistance or rental supplements, because the individual is such a recipient.

A landlord’s refusal to accept emergency rental assistance, that covers the entire amount owed to the landlord, may, in some circumstances, constitute a violation of Chapter 151B.  Landlords should consult their own legal counsel for advice before declining rental assistance that covers all outstanding rent arrears.


Printable applications

RAFT/ERMA Tenant/Homeowner Application Forms (PDF)

ERAP (Renters only) Guidance Application:

RAFT/ERMA Tenant Consent FormsClick Here

Landlord RAFT/ERMA Application Forms (PDF):


Emergency rental assistance for Sunderland residents

Have you lost income because of the COVID-19 crisis?  Can’t pay your rent or utilities? You may qualify for rental assistance. 


Additional Housing Resources

Other Local Housing Options: other housing resources in and around Franklin County

Housing Consumer Education Center: resource website

MassLegalHelp.org: know your legal rights

Community Legal Aid: apply online for free legal help

MA Attorney General’s Office: Consumer Advocacy & Response Division 

DHCD: emergency assistance for families facing housing crisis

Servicenet: shelter and housing services

Community Action

Look4Help