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​​​​​​​​Welcome to the LSNJLAWSM website, provided by Legal Services of New Jersey (LSNJ). LSNJ is a 501(c)(3) nonprofit offering free legal advice to low-income people in New Jersey. Find legal information by clicking on a legal topic or typing a few words into the search box. ​

Health Care
FAQ - Are there any rental assistance programs created or expanded in response to the pandemic?

If you fell behind on your rent because you lost income, or have had increased expenses, due to the effects of the COVID-19 pandemic, you should apply for rental assistance. Some examples of a financial hardships related to COVID include things like having to take off work or pay for child care due to school closures, additional transportation costs if you could not take public transportation, increased bills for food and utilities or additional expenses incurred as a result of having to quarantine. If you received unemployment insurance benefits, that also qualifies as a COVID-19-related hardship. You can apply for rental assistance through the State of New Jersey, Department of Community Affairs, COVID-19 Emergency Rental Assistance Program Phase II (CVERAP II), and any other county or municipal rental assistance programs.

COVID-19 Emergency Rental Assistance Program Phase II (CVERAP Phase II)

CVERAP II will pay back rent and provide temporary rental assistance to low- and moderate-income households that have had a substantial reduction in income, have qualified for unemployment benefits, incurred significant costs, or experienced a financial hardship due (directly or indirectly) to the COVID-19 pandemic. Applicants are selected through a lottery system. For more information, go to

County and municipal rental assistance programs

Following are rental assistance programs available in specific counties. You should apply for these programs and the CVERAP Phase II program at the same time.






Newark only



Jersey City only


Hamilton Township only








For the most current information, revisit this page for updates or check and    

Other Assistance 

Excluded New Jerseyans Fund (ENJF). The ENJF program will provide a one-time, direct cash benefit to eligible households that suffered an economic hardship due to COVID-19 and were excluded from federal stimulus checks and COVID-19 related unemployment assistance. This includes undocumented individuals, residents returning from the justice system, and any other individuals otherwise excluded from pandemic-related financial help. Households with annual incomes of up to $55,000 with a documented hardship or lost income due to COVID-19 can apply for this assistance. Eligible applicants will receive a benefit of up to $1,000 per eligible individual and a max of $2,000 per household.

Applications will be processed in the order they are received and until funds are exhausted. To apply go to

Other programs that can provide financial assistance with rent, utilities, and food include:

  • Department of Community Affairs (DCA). DCA has programs that may help with rent and heating costs, prevention of eviction, reduction of utility bills, and removal of lead hazards from your home. To be screened for these programs, visit
  • New Jersey Housing and Mortgage Finance Agency (NJHMFA). NJHMFA provides free financial counseling to help you meet your rental obligations. More information is available at
  • County and Municipal Welfare Agencies. County and municipal welfare agencies have programs to help with rent and other expenses. You can find more information about these programs, including where to apply at


Does the landlord have to cooperate with rental assistance?

New Jersey law requires landlords to cooperate with rental assistance programs. A landlord’s failure to cooperate is a renter’s defense to a pending eviction action. If there is no pending eviction, the landlord’s noncooperation is also grounds to sue the landlord. A tenant should seek immediate legal assistance to avoid losing the rental assistance.

Under the Truth in Renting Act, landlords must cooperate with “any federal, state, or local rental assistance program or bona fide charitable organization which has committed to pay the rent due and owing.” This includes, but is not limited to, Section 8 Housing Choice Vouchers, the State Rental Assistance Program (SRAP), Temporary Rental Assistance (TRA) from a welfare agency, the COVID Emergency Rental Assistance Program (CVRAP), the Homelessness Prevention Program, and various local agency resources. The New Jersey Law Against Discrimination (NJLAD) is broader. Under that law, landlords cannot refuse “any lawful source of rent.”

Neither the NJLAD nor the Truth in Renting Act apply to situations where the landlord lives in the premises and there is one-tenant unit. However, there may be other legal arguments to make landlords comply with rental program requirements, and you should seek legal assistance. Case law in New Jersey supports a landlord’s duty to “mitigate damages.” That means a landlord has to take reasonable steps to avoid the loss of rental income, which can include cooperating with rental assistance. Also, in every contract, like a written or oral lease, there is an implied “covenant of good faith and fair dealing.” The people involved in any contract must deal with each other honestly, fairly, and in good faith, and not get in the way of the other side’s ability to do what they agreed to do. When a tenant agrees to pay rent in exchange for an apartment, the landlord cannot do anything to interfere with the tenant’s ability to pay the rent. The landlord would be breaking the implied agreement to act fairly and in good faith if the landlord refused to cooperate with a rental assistance program.

What if my landlord fails to comply?

Housing assistance counselors or mediators may also be available to make sure that your landlord cooperates in providing information and accepting the rental assistance.

Get copies of any correspondence sent to you by the agency, and if possible, any correspondence sent to the landlord.

Seek immediate legal assistance to get the landlord to comply and avoid losing the rental assistance. If your landlord refuses to accept rental assistance, you can also file a complaint with the Division on Civil Rights, using the online portal NJBIAS,, or call 1-866-405-3050.


(Return to Frequently Asked Questions for Tenants, Hotel/Motel Residents, and Other Occupants During COVID-19)​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​