COVID-19: I am having trouble making my FHA mortgage payment due to the impacts of the COVID-19 National Emergency. Do I need to provide my servicer with documentation to prove I need forbearance?

FHA servicers will ask you to confirm that you are having a financial hardship, either directly or indirectly, due to the COVID-19 National Emergency in order to qualify for a COVID-19 Forbearance, but will not require that you supply any documents.

Your mortgage servicer can further explain the COVID-19 Forbearance and help you figure out other options for repaying the suspended mortgage payments or the balance of reduced mortgage payments.

Recently the HUD Deputy Secretary Brian Montgomery issued a YouTube video message speaking directly to homeowners with FHA-insured mortgages experiencing financial hardships caused by the COVID-19 emergency.
The video message can be viewed using the following links:

Federal and state governments have announced plans to help struggling homeowners during this time. For more information, visit:
Additional information is available in the following video: VIDEO: CARES Act Mortgage Forbearance: What You Need to Know is an online resource to help you find federal benefits you may be eligible for in the United States. Visit for more information and a link to the Benefit Finder, to find information on government benefits you may be eligible to receive.

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-05417