Hamilton County Mortgage, Property Tax and Utility Relief Program

Hamilton County Commissioners are providing $5 million to help eligible homeowners with mortgage, property tax, and/or utility payments in order to avoid foreclosure and shutoffs. The Hamilton County Mortgage, Property Tax and Utility Program helps residents who are at or below 300% of the Federal Poverty Level.

Eligibility

Residents would be eligible to receive mortgage, property tax and utility assistance if their household meets the following criteria:

  • Household income is at or below 300% of the Federal Poverty Level*
Number of People in Household 1 2 3 4 5 6 7 8
Max Income 300% of Federal Poverty Level $40,770 $54,930 $69,090 $83,250 $97,410 $111,570 $125,730 $139,890
Number of People in Household Max Income 300% of Federal Poverty Level
1 $40,770
2 $54,930
3 $69,090
4 $83,250
5 $97,410
6 $111,570
7 $125,730
8 $139,890

*Income includes unemployment income.

  • Owner-Occupied residence is in Hamilton County, Ohio
  • Proof of mortgage, property tax and/or utility payment is past due
  • Must have established connection to residence and be the applicant’s primary residence (second homes, rental properties, AirB&B, and other similar type rentals are not eligible for assistance)

Assistance

Mortgage Assistance
  • Payments may be used for:
    • current delinquent mortgage payment;
    • current delinquent property taxes; and
    • the number of applicable past due mortgage payments (up to 6 months) sating back to March 1, 2020.
  • Payments will be made to mortgage servicers.
  • The applicant will need to secure a vendor registration form from their mortgage holder so that payment can be issued directly ‐ https://www.hamiltoncountyauditor.org/pdf/Finance/vendorregform.pdf
Utility Assistance
  • The Hamilton County Mortgage, Property Tax and Utility Program Funds may also be used to pay delinquent utility bills dating back to March 1, 2020, (up to 6 months), and/or up to 3 months of future utility bills incurred by applicant.
  • Payments will be made to the utility company.

Apply

  https://erap.hcjfs.org (apply for Hamilton County Mortgage, Property Tax and Utility Program under the Homeowner link)

  [email protected]

  Call HCJFS at (513) 946‐7200 between 10 am – 2pm or call the United Way’s 211 for assistance with the application process if you are experiencing difficulty with the online application.

Next Steps

If eligible, the client will need to provide documentation:

  • Proof of past due mortgage and/or utility payments which arose subsequent to March 1, 2020, and which were due to COVID-19 or its negative economic impacts.
  • Proof of an established connection to residence.
  • Self-attest that applicant does not have the present ability to pay any past due mortgage payments and/or utilities.