Community Development

Advancing local communities

COVID-19 Assistance

Due to COVID-19 concerns, no applications or  supporting documents will be accepted in person.  To quicken the submission and review of your application, it is highly suggested that you use  the application portal available on this website.  You can find the registration links below.
If for some reason you cannot use the application portal, the applications and supporting documents may be mailed to:

The Atlantic County Improvement Authority
C/O Community Development Office
1333 Atlantic Avenue, Suite 700
Atlantic City, NJ 08401    

Submitting the application and supporting documentation by mail will cause a delay in the processing of your application.  Funds will be awarded on a first-come, first-serve basis determined by the submission of a full and complete application and all necessary supporting documents. 

CDBG-CV Short Term Emergency
Mortgage Assistance Grant Program


The CDBG-CV Short Term Emergency Mortgage Assistance Grant Program will provide temporary mortgage assistance, for up to six months, to low- and moderate-income households that have had a substantial reduction in income or became unemployed due the COVID-19 pandemic. Applicants may be eligible for a grant for a maximum of up to six months of emergency mortgage assistance. The assistance, per month for mortgage assistance, will be capped at DCA’s fair market rent standard or the total of the mortgage payment, whichever is lesser. The maximum amount of assistance available per household is $10,000 throughout a period of six months.   All participants will be reviewed at the three-month interval to see if they are still in need of assistance. Persons applying must meet all applicable program income and eligibility requirements.

The program will be administered by the Atlantic County Improvement Authority under the direction of the Executive Director, John Lamey.


Current annualized household income must be at or below 80% of the Area Median Income (AMI) for Atlantic County for the size of the applicant household.

# of Household Members 80% of Median Income
1 Person $46,450.00
2 Persons $53,100.00
3 Persons $59,750.00
4 Persons $66,350.00
5 Persons $71,700.00
6 Persons $77,000.00
7 Persons $82,300.00
8 Persons $87,600.00


Prohibition on Duplication of Benefits

Applicants must disclose other local, state and federal rental/mortgage assistance received. These benefits will be taken into consideration when determining the amount that will be provided to the applicant for rental or mortgage assistance.

Evidence of Financial Hardship Due to COVID

Applicants will be required to document financial hardship due to COVID-19.

Mortgage Assistance Available

These funds are intended to be emergency assistance.

  • Applicants without housing costs in arrears can apply for the cost of one month of housing only, starting with current month’s housing costs.
  • Applicants with housing costs in arrears may apply (in one application) for assistance for multiple past months beginning March 1, 2020, as well as for the current month’s housing cost.
  • If funds are available, applicants can submit a re-application for assistance in subsequent months for up to six months.