RUMA Pandemic Assistance


The city has received federal funds under the RUMA program (Rent, Utilities, Mortgage Assistance) to assist low-income city residents who are behind on their rent, mortgage or utilities payments because of the pandemic.

A total of $1,238,277 is available. Of this amount, $738,064 is available for mortgage assistance and $500,064 is available for assistance with rent and utilities.

Who's It For?

The RUMA program is available to households in the city that are at or below 80 percent of the area median income ($53,400 for a family of four; see chart below), are experiencing housing instability and meet other eligibility requirements listed below. 

What Does It Provide?

  • Assistance for helping pay mortgage, rent, or utilities, to include electricity, water, sewer/wastewater, natural gas and propane. 
  • Counseling and financial case management for 90 days.  
  • Assistance may include past due, current or future assistance payments. 
  • Households may receive up to 6 months of assistance.


  • Must have been affected by the economic impact of the coronavirus pandemic, such as a reduction in household income or other financial hardship due to the pandemic. 
  • Must have a household income that is 80 percent or less of the area median income. See chart below. 
  • Recipient must be named on a lease, mortgage or utility account.
  • Must have lived in their house or apartment in Winston-Salem as their primary residence for at least three months.
  • Must be at least one month behind on their rent, mortgage, and utilities at the time of application.


Number in Household
Annual Income Limit
$42,750 $48,100 $53,400 $57,700 $61,950 $66,250 $70,500


Before your application can be processed you will need to provide the following documents to verify your eligibility: 

  • Photo identification for all members of the household over the age of 18.
  • Social Security Number for applicant.
  • Source of income for all members of the household. 
  • This includes income for all members of the household. This includes income from employment (last month of pay stubs), child support alimony Social Security award letter, disability award letter, retirement statement, unemployment statement, veterans benefits statement. If no income, you must complete an affidavit of no income.
  • Current lease and contact information for your landlord. 
  • Most recent mortgage statement and contact information. 
  • Most recent utility bill showing amount owed.
  • Statement of financial hardship due to COVID19 (can be termination email or letter, proof of unemployment, etc.). 
  • Eviction notice or late rental payment notice. 
  • Documentation of other federal assistance received, if any. 
  • Signed lease agreement or utility bill indicating address for assistance.

How to Apply

Applying online is the fastest way to receive assistance. Use this link to the application portal: 

Residents without internet access can make an appointment to apply one of three local agencies that are assisting the city in administering the program.  

  • Households seeking mortgage assistance: Contact: Financial Pathways of the Piedmont, 336-896-1191.
  • Households seeking rental or utilities assistance: Contact: Sunnyside Ministry, 336-724-7558; HARRY Veteran Community Outreach Service, 336-725-3410

Note: Applicants are not guaranteed to receive assistance. All applications will be screened for eligibility, and will be evaluated based on the applicant’s income and other factors.