The state-funded RAFT (Residential Assistance for Families in Transition) and ERMA (Emergency Rental and Mortgage Assistance) programs can provide funds to eligible households or individuals which can be used to help them keep their housing, obtain new housing, or otherwise avoid becoming homeless.
Funds are available for people who live in or are moving to Worcester County. If you reside elsewhere, please visit mahousinghelp.com to find your provider.
For Renters & Homeowners:
If you need help paying your rent or mortgage, complete the online RAFT/ERMA Application found below (choose language):
The best way to apply is online. However, if you prefer to submit a paper application or need the application in another language, download it below:
English | Spanish | Portuguese | Vietnamese | Russian | Haitian Creole | Chinese | Khmer
Completed paper applications should be emailed to: HCEC@rcapsolutions.org or faxed to: 508-365-6008
For Landlords:
Landlords who own less than 20 units of housing can submit an online application for their tenants who may need to request financial assistance for overdue rent. All adult household members must sign a Tenant Consent Form (located in the application), in order for the landlord to complete this process.
More Information:
- Individuals, families with children, couples without children, unaccompanied youth, and households of any size
- Household must provide documentation/proof that they are currently experiencing a housing crisis
- Household income must be below 80% of the area median income (AMI)
- Rental or mortgage arrearages
- Security deposits
- First and last month's rent
English:

For the full comparison, click here.
NOTE: If you receive a Notice to Quit you do not need to immediately leave your unit. You are entitled to a legal proceeding in which you can defend against the eviction. Only a court order can force you to leave your unit.
If you have received a Notice to Quit for nonpayment of rent, do not ignore or discard it. You should immediately contact your landlord to try to work out a payment plan and use the Massachusetts Legal Resource Finder to connect with legal assistance and other resources.
For full instructions on what to do if you receive a Notice to Quit, download the flyer below.
Portuguese | Vietnamese | Russian | Haitian Creole | Chinese | Khmer
For more information, click here or download the flyer below.
Portuguese | Vietnamese | Russian | Haitian Creole | Chinese | Khmer
Senior, Disabled & Family Housing: RCAP Solutions manages over 350 affordable apartments for the elderly, disabled, and families in Athol, Bolton, Groton, Hubbardston, Northbridge, Townsend, Webster, and Worcester.
Senior & Disabled Programs: RCAP Solutions provides a comprehensive array of elder service programs which can assist our aging population and those who are disabled.
Questions? Contact Us:
978-630-6771
Please note, our office is closed to the public at this time and visits are by appointment only or for paperwork drop off.