Tenants and housing activists in Brooklyn, New York, protested in a Bushwick park on July 5.

Erik McGregor | Getty Images

A $25 billion federal rental assistance fund will soon be disbursed to states, allowing those struggling amid the pandemic to apply for the money.

By one estimate, 14 million Americans are behind on their rent during the crisis. Advocates say more rental assistance will be needed to stave off an unprecedented eviction crisis. After 10 months of record job losses and business shutdowns, rental arrears in the U.S. may be closer to $70 billion.

President Joe Biden is calling on Congress to allocate another $30 billion in housing aid, and on his first day in office announced an executive order that will extend the national ban on evictions through March.

For now, here’s what you need to know about accessing funds authorized by the $25 billion Emergency Rental Assistance Program.

Am I eligible?

Are the funds available now?

How do I apply?

“Where or how to apply will vary city by city,” said Emily Benfer, a visiting law professor at Wake Forest University.

Many areas have existing rental assistance funds, and it will be through one of these that you apply for the new aid. In other cases, new programs will be created to disburse the money, Benfer said.

“Renters should contact local housing groups, their representatives or the local 211/311 lines to identify programs and learn how to apply,” she added.

Your landlord can also apply for you but must get your signature and provide you with a copy of the application.

How much could I get?

Do I need to be behind on my rent to qualify?

Can I apply for money just for utility or energy costs?

I’m a homeowner. Can I apply for this assistance?

I’m facing eviction. What should I do?

Apply for the funds as soon as possible.

Also, understand your rights. Most renters should be allowed to stay in their homes at least through March thanks to a national ban prohibiting evictions for nonpayment of rent.

To evoke that protection, you’ll need to attest on a declaration form that you meet a few requirements, such as expecting to earn less than $99,000 in the 2020-2021 calendar year.

“If a tenant cannot pay the rent, they should provide the declaration to their property owner as soon as possible,” Benfer said. 

In addition to the national eviction ban, some states have issued their own moratoriums, some of which are more comprehensive than the federal law. Get informed about any policies that apply to you.

Last, if your landlord ignores any of these rules, as some are doing, get a lawyer. You can find low-cost or free legal help with an eviction in your state at Lawhelp.org.

One study in New Orleans found that more than 65% of tenants with no legal representation were evicted, compared with fewer than 15% of those who did have a lawyer in court.

Have you recently applied for rental assistance? If you’re willing to discuss you experience for a story, please email me at annie.nova@nbcuni.com