In an era where housing insecurity challenges thousands of Maryland residents, the Emergency Rental Assistance Program (ERAP) remains a vital financial safety net. Whether you’re a tenant at risk of eviction or a landlord trying to help tenants stay housed, understanding ERAP can make all the difference. This comprehensive guide walks you through the application process—who qualifies, the documents you’ll need, how to apply without delays, and what to expect after submission. With housing stability on the line, now is the time to act.

What is ERAP and Why Does It Matter in Maryland?

Understanding the Emergency Rental Assistance Program

The Emergency Rental Assistance Program was established in response to the nationwide housing crisis exacerbated by the COVID-19 pandemic. Funded through the Consolidated Appropriations Act of 2021 and the American Rescue Plan Act, ERAP aims to:

• Prevent evictions and homelessness

• Maintain housing stability

• Support both renters and landlords impacted by financial hardship

While it began as a pandemic relief initiative, many local jurisdictions, including Maryland, have extended or evolved their programs to continue addressing ongoing housing instability in 2025.

Maryland’s Implementation of ERAP

Maryland’s ERAP is managed through a decentralized system, with each county or municipality operating its program under state oversight. This localized approach helps tailor support based on community-specific needs. Notably, several high-need areas, such as Baltimore City, Montgomery County, and Prince George’s County, have implemented priority processing for vulnerable populations.

Some jurisdictions also offer case management services, multilingual support, and additional funds for utility bills or relocation, enhancing ERAP’s effectiveness across diverse demographics.

Eligibility Criteria for ERAP in Maryland

Before applying, it’s essential to confirm whether you qualify for assistance. ERAP has specific eligibility requirements set at both the federal and local levels.

Who Can Apply?

To be eligible for ERAP in Maryland, applicants must meet the following criteria:

• Income Requirements: Household income must generally not exceed 80% of the Area Median Income (AMI). Priority is often given to those under 50% of AMI.

• Risk of Housing Instability: Applicants must demonstrate an imminent risk of eviction, homelessness, or unsafe living conditions.

• Financial Hardship: Applicants must attest to experiencing financial hardship due to COVID-19 or other economic reasons, such as job loss, reduced income, or increased expenses.

What Types of Assistance Are Covered?

ERAP offers a broad range of financial aid to stabilize housing:

• Past-Due Rent: Covers unpaid rent accrued from March 2020 onwards.

• Utility Arrears: Includes electricity, gas, water, sewer, and internet bills.

• Prospective Rent: Pre-payment of up to three months of rent to ensure continued housing stability.

• Other Housing Costs: Covers fees such as late payment penalties, relocation expenses, or hotel stays if displacement occurs.

Step-by-Step Guide to Applying for ERAP in Maryland

Here’s a streamlined yet detailed breakdown of how to apply for rental assistance effectively and efficiently.

Step 1 – Locate Your Local ERAP Portal

Maryland’s ERAP is administered at the county level, so your first step is to identify your jurisdiction’s application portal. Most countries provide:

• Online application portals

• Searchable tools to verify jurisdiction by ZIP code

• Hotlines and walk-in centers for tech or accessibility support

💡 Start at the Maryland Department of Housing and Community Development for a complete county-by-county directory.

Step 2 – Gather Required Documents

Preparing all necessary documentation upfront will prevent delays and improve your approval chances. You’ll typically need:

• Proof of identity (e.g., driver’s license, passport)

• A lease or rental agreement showing your name and address

• Income documentation like recent pay stubs, W-2s, or unemployment determination letters

• Evidence of hardship or risk, such as eviction notices, court filings, or a written statement

• Utility bills if applying for utility assistance

Ensure that all documents are legible and up-to-date.

Step 3 – Submit Application Online or In-Person

Most counties encourage online submissions, but in-person options are available for those needing extra help. Portals typically include:

• User-friendly dashboards

• Status check tools

• Document upload features

For example, Montgomery County’s ERAP portal offers a full walkthrough tutorial and multilingual assistance. In Baltimore City, applicants can visit designated community centers for direct help.

Step 4 – Follow Up and Check Application Status

After submission:

• Most applicants receive a response within 30 to 45 days, though this can vary.

• Be prepared to respond quickly to any requests for additional information, which are often made by email or phone.

• Contact your local ERAP help desk if you haven’t heard back after 45 days.

Key Insights and Recent Data on ERAP in Maryland

Here’s what recent data reveals about Maryland’s ERAP success and challenges:

Source: U.S. Treasury ERAP Dashboard and Maryland DHCD

Expert Quotes and Advice

“The most common mistake we see is incomplete documentation. That alone can delay aid by weeks.”
— Sarah B., Housing Advocate, Legal Aid Maryland

“The earlier tenants apply after hardship, the better. Backlogs are real.”
— James T., DHCD Regional Administrator

Frequently Asked Questions (FAQs)

How long does ERAP take to process in Maryland?

Processing times typically range from 30 to 45 days, depending on application volume and document completeness.

Can landlords apply on behalf of tenants?

Yes. Landlords can initiate applications, but tenants must consent and provide required documentation.

What happens if I move during the application process?

You must update your contact and housing information immediately, or you risk delays or denial.

What if I’m undocumented—can I still apply?

Yes. Immigration status is not a barrier to ERAP eligibility in Maryland.

Can I reapply if my application is denied?

Yes. Applicants can correct issues and reapply, often with support from local agencies or legal aid.

Real-Life Examples of ERAP Success in Maryland

Baltimore Resident Avoids Eviction

A single mother of two faced eviction after losing her job. With the help of ERAP, she secured $6,000 in back rent within three weeks. She was also connected with job placement support through a local nonprofit.

Prince George’s County Landlord Helps 5 Tenants Apply

After learning about ERAP, one landlord assisted five tenants in applying. All were approved, and the landlord received direct payments, ensuring rent stability and avoiding costly evictions.

Additional Resources and Where to Get Help

If you need assistance or more information, these resources can help:

• Maryland DHCD Official ERAP Page

• Local Housing Authorities and rental assistance portals

• Legal Aid Maryland

• United Way Helpline – Dial 2-1-1 for free, 24/7 assistance

Next Steps: How to Secure Assistance Quickly

Follow these actionable tips to improve your chances of fast ERAP approval:

1. Verify your local ERAP portal through the DHCD directory.

2. Compile documents early—missing paperwork is the #1 delay factor.

3. Submit online if possible for faster processing and easier updates.

4. Follow up regularly, especially if requested for more info.

5. Seek help from local aid organizations if you’re unsure how to proceed.

Angela Silva

Angela Silva, a dedicated 42-year-old consultant specializing in government housing and rental assistance, hails from Sydney, Australia. She completed her education with a degree in Urban Planning from the University of New South Wales. Angela’s career has been marked by her relentless advocacy for affordable housing solutions, where she has worked extensively with both local governments and international agencies in Asia-Pacific regions. Her initiatives have led to the development of sustainable housing projects that cater to low-income families. Outside of her professional environment, Angela enjoys a peaceful life with her partner and their two adopted dogs, engaging in community gardening and urban sustainability projects.