Mortgage Assistance Program
The Sudbury Housing Trust recognizes that people are struggling to pay their mortgages, made worse by changes in circumstances and income. The Mortgage Assistance Program is funded by federal ARPA funds to help residents maintain housing. If eligible the Program will provide mortgage assistance in the form of a grant to be paid directly to lenders.
Funding will be provided to owners who meet the eligibility requirements and complete this application process, including ALL ATTACHMENTS. Funding is available on a first-come, first- served basis until funds are exhausted.
Program Details:
- Applications are accepted on a rolling basis, and eligibility is determined.
- If approved, Owner provides Lender’s W9, and Owner and Trust sign Participation Agreement.
- Town issues payment/s payable to the Lender, forwarded by Owner to Lender. Owner is responsible for remaining amounts for taxes and insurance portion of payment.
*Please see the application for full program details and requirements.
Grant Amount:
Up to $3,000 of assistance, in monthly payments payable to the holder of first mortgage, towards arrears of outstanding principal or upcoming payment. Other housing costs (e.g., condo fees, escrowed insurance or taxes, home equity line of credit, or second mortgages, etc.) are not covered expenses.
Eligible Properties and Owners:
- Properties must be located in Sudbury and be occupied by Owners.
- Owners must have a reduction of income over the last two years, from 2022 to 2024.
- Household* income cannot exceed HUD’s 100% Area Median Income (AMI).
Application Assistance:
- Questions? Email info@RHSOhousing.org or call 978-287-1092
- Need assistance filling out the application? Contact the Town Social Work Office at socialworker@sudbury.ma.us or call 978-440-5476
- Favor de comunicarse en 978-287-1092 para ayuda gratis con el idioma.
Return application electronically to: info@RHSOhousing.org (in a PDF legible format)
Mail or Drop-off hard copy to: 37 Knox Trail, Acton MA 01720 (Black mail box at bottom of steps)
Click HERE for Sudbury MAP Application Updated April 2025