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.

  • 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.
  • Benefit/Assistance 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 $65,000 per household.
  • Up to twelve monthly payments, continued recertification of employment status required.
  • 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), condominium or manufactured/mobile home and it must be their primary residence.
  • A 3-year forgivable lien may be required. No lien is required for mobile/manufactured homes that are not converted to real property.
  • Eligible financial hardship must have occurred after the purchase of the home and within the timeframe specified above.
  • Properties with a 1st priority mortgage secured by a Home Equity Line of Credit (HELOC) must be past the drawdown period.
  • Loan balance on the date the loan was originated must not exceed the conforming loan limit amount set by the federal government on the year the loan was originated.