Home › Rent & mortgage help
Free help · every state
Behind on rent or your mortgage?
Pick your state for local programs, or search your ZIP code for free help near you. Acting early gives you the most options.
Facts checked October 14, 2026.
Call 211Or text your ZIP code to 898-211. Free, 24/7 in most areas: local rent, utility and food help.
HUD counseling line: (800) 569-4287Connects you to a HUD-approved housing counselor, free or low-cost.
Act fast
Got an eviction notice?
-
1
Don't ignore it. Deadlines and rights vary by state. In most cases a landlord has to go through the court to make you leave, and you have the right to respond.
-
2
Go to your court date. Contact legal aid promptly before deciding whether to move or how to respond.
-
3
Get free legal help today from a legal aid office, and apply for rent help at the same time.
Your state
Rent & mortgage help by state
Each page has your state's programs from HUD, every housing authority, free housing counselors, and what to do if you're behind on rent or your mortgage.
Near you
Free help near you
HUD-approved housing counselors give free or low-cost help with rent, budgets and avoiding foreclosure. Housing authorities run Section 8 vouchers and public housing.
More official finders
Stay safe
Watch for help scams
- Real rent help is free. Don't pay anyone to apply for rental assistance for you.
- Mortgage "rescue" companies can't charge you anything until you have a written offer from your lender that you accept. That's the law.
- Never sign your home's deed over to someone promising to save it.
- Anyone who tells you to stop talking to your landlord, lender or counselor is a red flag.
Need help right now? Dial 211 or text your ZIP code to 898-211 for local food, rent, and utility help, 24/7 in most areas. More free help →