Foreclosure Prevention

The Housing Partnership recognizes that this is a stressful and uncertain time for individuals and families affected by the Coronavirus pandemic/COVID-19.  We are here to help your family navigate through your current and hopefully temporary hardship.  The Housing Partnership has partnered with the City of Charlotte to offer mortgage assistance to homeowners in the Charlotte community through the Emergency Mortgage Assistance Program (EMAP).




Program Features

Assistance will be prioritized for homeowners with an active HouseCharlotte downpayment assistance loan.  The program provides up to 3 months of mortgage payments (principal, interest, taxes and insurance) as a grant to qualified applicants. Please note that due to limited funding, applications will be approved and assistance will be provided on a first come, first served basis.  Approved applicants must attend foreclosure prevention counseling with The Housing Partnership.


  • Households with an income of up to 80% of AMI prior to the COVID-19 hardship (chart below).
  • Homeowners must have been current on mortgage prior to COVID-19 hardship.


  U.S. Department of Housing and Urban Development Household Size / Income Limit

Family Size12345678
80% AMI$44,250$50,600$56,900$63,200$68,300$73,350$78,400$83,450



To apply click below: or for Spanish


Applicants will be required to provide the following documents:

    1. Income verification (last two paystubs)
    2. Most Recent W-2
    3. Verification of Job Loss or Income Loss
    4. Verification of Mortgage Payment (Mortgage Payment Statement)
    5. Proof of Residency (electric, gas, or water billing statement)



For more information please email us at or call 704-343-4692.