The Mortgage Relief Program (MRP) provides assistance to Miami-Dade County homeowners who are experiencing hardship as outlined below and struggling to pay their mortgage and/or utility bills. Throughout the duration of the program, applicants can receive up to $3,500 per household towards late mortgage payments, late homeowner association (HOA) fees, homeowners insurance and/or late utility assistance.
All applicants must provide proof of income and documentation to ensure that the total household income does not exceed 140% Area Median Income (AMI) threshold (as shown in the chart below). Applicants must be a Miami-Dade County homeowner and requesting assistance for their primary residence.
Applicants must provide the following document(s) related to their hardship:
Mortgage statement showing balance owed
Homeowners insurance statement
Statement from the homeowner and condominium association showing balance of fees
Past due utility bills (electric or water)
Miami-Dade County residents can now apply online.
Application portal assistance is offered at one of the Community Resource Centers (CRCs) during regular business hours, Monday through Friday from 8 a.m. to 4 p.m. Note: Excluding the Stephen P. Clark Center.
Applicants who are seniors, disabled, families with children, and households with late mortgage of 3 to 12 months will be deemed a priority.
Staff is located at the community resource center location listed below. Interested participants needing assistance with their applications can meet with an MRP staff member on a first-come, first-served basis; extended wait times may be expected.
Culmer Community Resource Center 1600 NW 3rd Avenue Miami, FL 33136 305-438-4161
To avoid delays with application processing, please bring the following documents with you:
Identification
Proof of Income
For assistance with Mortgage Payments:
Delinquent Mortgage Statement- must show past due
W-9 (please request from your Mortgage Company)
For assistance with Homeowners Insurance:
Homeowners Insurance Annual Invoice
W-9, Please request from your Homeowners Insurance Agency or
If Included in your monthly mortgage payment, Mortgage Statement
W-9 (please request from your Mortgage Company)
Homeowners Insurance Annual Invoice
For assistance with Delinquent Homeowners Association Dues:
Delinquent Homeowners Association Statement, must show past due
W-9 (please request from your Homeowners Association)
For assistance with Past Due Utilities:
Utility Bill, must show past due amount
W-9 (please request from your Utility Provider, exception for Florida Power and Light)
Proof of Ownership, such as property tax card
Where possible, MRP clients will be referred to CAHSD’s Weatherization Assistance Program (WAP) under the HOMES Plan
This will result in an assessment of needs by the CAHSD WAP inspectors and eligibility reviewers
If the homeowner is eligible and determination of need is derived, the resident could receive WAP repairs, such as:
Attic insulation
Low-flow showerheads
Water heater jackets
Energy efficient light bulbs
Weather-stripping
Energy Recovery Ventilation (ERV) - to include bathroom and kitchen exhaust fans, repair or replacement of exterior doors, windows, refrigerators, water heaters and cooling and heating systems
Phone Number(s)
Community Action and Human Services Department (CAHSD) 305-438-4161305-438-4161
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