Unemployment Mortgage Assistance Program (UMA)

UMA will provide temporary financial assistance to eligible Nevada homeowners who wish to remain in their homes but have suffered a loss of income due to unemployment or underemployment.

  • Experienced involuntary job loss due to COVID-19 pandemic that occurred on or after January 21, 2020.
  • At least one homeowner must currently be unemployed and receiving Unemployment Insurance Benefits (UIB) or have received UIB any time on or after January 21, 2020; or supplementing part time/temporary work with UIB.
  • Benefit/Assistance – Up to $3,000 per month for up to 12 months.
  • Includes insurance, taxes, and HOA fees.
  • Will include reinstatement of delinquent first mortgage loan, non-escrowed taxes, HOA fees, and homeowner’s insurance.
  • Up to $54,000 per household.
  • Household income must be equal to or less than 150% of the area median income or 100% of the median income for the United States, whichever is greater.
  • Homeowner must own and occupy a single family Nevada home (1-4 unit), and it must be their primary residence.
  • A 3-year lien will be required.
  • Eligible financial hardship must have occurred after the purchase of the home and within the timeframe specified above.
  • Homeowner cannot be in an active bankruptcy.
  • Properties with 1st priority mortgage secured by a Home Equity Line of Credit (HELOC) are not eligible.