When times get tough, knowing where to turn for help can make all the difference. Whether you're struggling to pay rent, keep the lights on, or put food on the table, there are programs designed to provide immediate relief. Below are ten emergency assistance programs available in 2025 that can offer support when you need it most.

1. Emergency Rental Assistance Program (ERA)

The U.S. Department of the Treasury's Emergency Rental Assistance (ERA) program has provided over $46 billion to support housing stability for eligible renters throughout the COVID-19 pandemic. While some funds have been depleted, certain states and localities still have resources available. It's crucial to check with your local housing authority or community organizations to see if assistance is still accessible in your area. Learn more about ERA.

2. Low Income Home Energy Assistance Program (LIHEAP)

LIHEAP helps low-income households pay for heating and cooling energy costs, bill payment assistance, energy crisis assistance, weatherization, and energy-related home repairs. In 2025, the program received a significant funding release to assist families in need. However, recent administrative changes have caused delays in fund distribution, affecting the program's efficiency. Find out how to apply for LIHEAP.

3. The Emergency Food Assistance Program (TEFAP)

TEFAP provides emergency food assistance at no cost to low-income individuals, including the elderly. The program distributes USDA foods to state agencies, which then provide the food to local agencies like food banks and pantries. Despite recent funding cuts, TEFAP continues to be a vital resource for many Americans. Check your eligibility for TEFAP.

4. Supplemental Nutrition Assistance Program (SNAP)

SNAP offers nutrition assistance to millions of eligible, low-income individuals and families. While there are ongoing debates about potential funding cuts, SNAP remains a cornerstone of food security in the U.S. Apply for SNAP benefits.

5. Local Utility Assistance Programs

Many states and localities offer utility assistance programs to help residents pay for electricity, gas, water, and other essential services. For example, the Dollar Energy Fund provides grants to eligible households in Virginia to help cover utility bills. Explore utility assistance options in your area.

6. Housing Choice Voucher Program (Section 8)

The Housing Choice Voucher Program assists very low-income families, the elderly, and the disabled in affording decent, safe, and sanitary housing. Due to high demand, waiting lists can be long, but it's advisable to apply as soon as possible. Learn more about Section 8.

7. Community Action Agencies (CAAs)

CAAs are local organizations that provide various services to help low-income individuals and families achieve self-sufficiency. Services may include emergency assistance, job training, and housing support. Find a Community Action Agency near you.

8. Salvation Army Emergency Assistance

The Salvation Army offers emergency assistance programs that provide food, shelter, utility assistance, and other services to those in need. Programs vary by location, so it's best to contact your local Salvation Army center. Locate your nearest Salvation Army.

9. Catholic Charities USA

Catholic Charities provides a range of services, including emergency financial assistance, food programs, and housing support. Their services are available to individuals and families regardless of religious affiliation. Find services offered by Catholic Charities.

10. 211 Helpline

Dialing 211 connects you to a comprehensive source of locally curated social services information in the U.S. and most of Canada. Whether you need assistance with housing, food, or utilities, 211 can guide you to the appropriate resources. Visit 211.org for more information.

Final Thoughts

Facing financial hardship can be overwhelming, but remember that help is available. These programs are designed to provide immediate relief and support as you work towards stability. Reach out, apply, and don't hesitate to seek the assistance you need. You're not alone, and resources are in place to help you through challenging times.