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Aid Available for Individuals Struggling to Make Their House Payment


For Immediate Release:
February 24, 2022                                                        

For More Information Contact:
Lorraine Polak, Executive Director, 773-3181

Aid Available for Individuals Struggling to Make Their House Payment

PIERRE, S.D. – South Dakota Housing Development Authority (SDHDA), with funding from the U.S. Treasury, is providing mortgage relief due to the COVID-19 pandemic. If you have been financially impacted due to COVID-19 and are in need of assistance with unpaid mortgages, insurance or utilities, the SD Cares Housing Assistance Program may be of assistance.

SDHDA, in collaboration with the Helpline Center and other partner agencies, is working to assist South Dakotans fight against housing instability and homelessness. Qualified applicants may receive assistance, in the form of a loan, reflective of their household’s situation. If determined necessary, applicants may receive assistance towards overdue mortgage payments, utility bills, homeowners’ insurance and property taxes.

Where Can I Apply?

The SD Cares Housing Assistance Program application can be found on the SDHDA homepage, The online application portal allows you to enter your personal information, provide mortgage details and upload the necessary documents.

If you need extra help while applying or have any questions about the process, don’t hesitate to call 211, and someone will be able to assist you with the application process and any questions you might have.

Do I Qualify for Mortgage Assistance?

Qualifications are primarily based on being financially impacted due to COVID-19 and the household’s income. Applicants must also:

  • Be a South Dakota resident
  • Legally reside in the United States
  • Be financially impacted - directly or indirectly - by the COVID-19 pandemic after January 21, 2020
  • Owe past-due mortgage or utilities (water, sewer, electricity, propane/natural gas, trash)

What if I am a Renter?

The information indicated above is only for homeowners, but SDHDA also has funding available from Treasury for rental relief. If you need help with rental assistance, visit the SDHDA homepage,, and follow the link to the renter qualifications.


South Dakota Housing Development Authority (SDHDA) is an independent, quasi-public agency that was created by the South Dakota legislature in 1973 with a stated mission to provide decent, safe and affordable housing to low- and moderate-income South Dakotans. SDHDA is a self-supporting, nonprofit entity that uses no state tax dollars to fund its operating budget. SDHDA utilizes housing bonds, tax credits and other federal and state resources to fund housing programs that provide mortgage and downpayment assistance, housing construction and rehabilitation, homelessness prevention and rental assistance. SDHDA does not discriminate against any person because of race, color, creed, religion, sex, disability, familial status or national origin. For more information, visit

The South Dakota Housing Development Authority…Building A Better Quality of Life.

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