COVID-19: What documentation is required to prove the borrower has financial hardship due to COVID-19?

No documentation is required to prove financial hardship due to the COVID-19 National Emergency. Mortgagees must offer borrowers experiencing financial hardship due, directly or indirectly, to the COVID-19 National Emergency a COVID-19 Forbearance, upon borrower request.

If you’re among those financially impacted by the coronavirus pandemic, you might be concerned about how to pay your mortgage or rent. 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.

FHA continues to revise its FHA Single Family COVID-19 information as needed to keep stakeholders updated with the latest information about FHA’s response to the Presidentially-declared COVID-19 national emergency. 
Related information for FHA mortgagees, borrowers and other interested parties is available at and on the website.

HQ Policy Determination – COVID-19 guidance


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-05464