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CARES Act (includes info about stimulus check; rent moratorium, mortgage, and small business assistance)

The second pandemic relief bill has been passed by Congress and signed by the president.  In-depth information on the bill is available here. Please noteThis page will be updated as more info becomes available.

SD CARES Housing Assistance Program

  • Second Round of Assistance: 
    • The bill that just passed congress and was signed by the President will provide rental assistance and utility assistance.  The details of how the funds will be distributed in South Dakota are still being finalized.
  • First Round of Assistance:
    • The State of South Dakota in collaboration with SD Housing Development Authority, Helpline Center, and partner agencies, are making available CARES Act funding to assist South Dakota residents with housing expenses. If you have been financially impacted due to COVID-19, the SD CARES Housing Assistance Program (SDCHAP) may provide temporary rental, mortgage, or utility assistance for South Dakota residents who:
      • Owe past-due rent, mortgage, or utilities because they have experienced a particular loss due to COVID-19;
      • Have annual incomes at or below 115% of AMI (Click here to see amounts)
      • Meet all program criteria; and
      • Ensure a complete application
      • Funding amount is based on need with a maximum of $1,500 per month. While the funding may not fully cover monthly rent, mortgage, or utility bill, it is intended to reduce amounts owed. Paper checks will be mailed directly to the person whom the bill is owed. SDCHAP program funding is not guaranteed. 
    • Frequently Asked Questions for eligibility
    • Apply for Assistance (online application)

Stimulus Check Info / Economic Impact Payments

  • 2nd Round of Payments:
    • The United States Treasury has started disbursing some Americans’ Economic Impact Payments. These payments may begin to arrive in some accounts by direct deposit as early as Tuesday, December 29th and will continue into next week January 2, 2021.
    • Payments of $600.00 will be deposited to those with 2019 adjusted gross income of less than $75,000.
    • Payments will be phased down for those with 2019 income between $75,000 and $99,000.
    • Payments will to households will include $600.00 per adult and dependent children under 18.
    • Visit the IRS Coronavirus Tax Relief and Economic Impact Payments site for more information and details.
  • IRS – Economic Impact Payment (aka stimulus checks) 
  • For the last round of stimulus payments:
    • You can still receive your Economic Impact Payment (stimulus) even though the tax deadline has passed. Go to where you can file your taxes yourself (with the DIY tool); review and file with the help of an IRS certified volunteer; find answers to your stimulus questions; ask a general tax related question.
    • Or you can call United Way’s Economic Impact Payment Helpline at 1 (844) 322-3639. 

Rent Moratorium Info 

  • Eviction Moratorium 
    • Extended until January 31, 2021 for tenants impacted by COVID-19. 
    • Eviction Declaration 9-2020 CDC issued a new eviction moratorium nationwide for renters who have lost work during the COVID-19 pandemic and don’t have other good housing options. 
      This moratorium is only for tenants of residential properties.  It does not include a freeze on foreclosures on home mortgages.
      The new orders have conditions:
      • Renters have to sign a declaration and give it to their landlord. (Please download attachment for this form).
      • This program does not “forgive” missed payments. People will still be responsible for all missed payments, plus any fees or fines, due after the order expires on January 1, 2021.
    • Evictions for reasons other than nonpayment will be allowed.
    • You can read the entire order here.
    • Answers to National Eviction Moratorium FAQs (PDF)

Mortgage Info

  • FHA-Insured Mortgage Forbearance (Updated 10/20/2020)
    • FHA is extending the timeframe of forbearance requests of FHA-insured single family homeowners affected by the COVID-19 pandemic through December 31, 2020.
    •  If your ability to pay your mortgage is impacted, and your loan is owned by Fannie Mae or Freddie Mac, you may be eligible to delay making your monthly mortgage payments for a temporary period, during which: 
      • You won’t incur late fees.
      • You won’t have delinquencies reported to the credit bureaus.
      • Foreclosure and other legal proceedings will be suspended 
      • Requests for this program are due by December 31, 2020.
      • There is an option to extend your your forbearance up to a total of 12 months.
    • Contact your mortgage servicer (the company where you send your monthly payments) as soon as possible to let them know about your current circumstances. The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement.
    • For Consumers who are not familiar with a forbearance, here are the recommended Steps:
      1. Contact your lender to disclose the recent change in your employment as soon as possible – before your payment is due.   
      2. Ask your lender about the assistance options they have for customers impacted by COVID-19. *Don’t let them skip over any details when discussing modification and forbearance options*
    • For complete information and guidance, please click here.

Small Businesses Info

Unemployment Benefits

  • Additional $300.00 per week in enhanced benefits will be available until March 14, 2021.
  • Pandemic Unemployment Assistance for gig workers, freelancers, independent contractors, self-employed and others not covered under traditional unemployment is extended.
    • New applicants have until March 14, 2021, to register.
    • Benefits are available for a maximum of 50 weeks.
    • Benefits will be paid until April 5, 2021, for current claimants, unless they reach the 50-week limit earlier.
  • Pandemic Emergency Unemployment Compensation provides an additional 13 weeks of payments after traditional state benefits are used.
    • New applicants have until March 14, 2021, to register.
    • Benefits will be paid until April 5, 2021, for current claimants.
  • Go to South Dakota Department of Labor for unemployment information

Nutrition Assistance

  • SNAP (Supplemental Nutrition Assistance Program) benefits raised by 15% for six months.
  • SNAP eligibility is not expanded
  • Use 211 Helpline Center Guided Search for specific county information