Accessibility Information

Emergency Mortgage Assistance Available to Eligible Cape Coral Residents

Applications for Emergency Mortgage Assistance will be available online here beginning March 8.

Applications will be accepted here beginning March 15 until March 26.

Emergency assistance is available to help Cape Coral households that are unable to pay mortgages due to the COVID-19 pandemic. In January, Cape Coral City Council approved the next phase of assistance, which will provide about $680,000 to eligible households. Applicants could receive up to six months of emergency assistance for unpaid mortgage payments.

Application materials will be available on the City’s website ( under the “news” section of the homepage beginning Monday, March 8 to allow homeowners time to gather all of the required documents needed to apply. Applications can be submitted Monday, March 15through Friday, March 26. No applications will be accepted after March 26. Assistance payments will be paid directly to mortgage lenders.

To qualify, applicants must reside within the city, be able to demonstrate a COVID-19 related financial hardship (e.g. job loss, furlough, or reduction in pay or hours), and meet the federal income limits. Eligible applicants must fall at or below 80 percent of the area's median income. The income limit is $38,600 for an individual or $55,100 for a household of four, or $72,750 for a household of eight.

Overall, the City has received about $1.4 million from the federal government to assist the needs of low- and moderate-income residents impacted by COVID-19.

More eligibility details about the City’s Emergency Mortgage Assistance Program:

  • The property must be located in the City of Cape Coral.
  • The property must be the primary residence of the applicant as evidenced by the homestead exemption. Second homes and homes without homestead exemption are ineligible.
  • Properties located in the special flood hazard area must have flood insurance.
  • Properties must have hazard insurance. 
  • The property value may not exceed $294,601.

Other assistance available assistance:
Cape Coral homeowners affected by COVID-19 who need assistance with water and/or electric bills can contact one of the City’s partner agencies for     assistance: 

Community Cooperative (239-332-7687 ext. 120)

Cape Coral Caring Center (239-945-1927)

Cape Coral renters seeking rental and utility assistance should apply through the Lee County Emergency Rental Assistance Program ( Applications are being accepted now for rentals assistance.