Administered by the Metropolitan Action Commission (MAC)
The Tennessee Titans, through their Home Field Advantage Catalyst Fund, have donated $250,000 to the Metropolitan Action Commission (MAC) to help launch Davidson County's Emergency Winter Housing Assistance Program (EWHAP). This program provides critical support to residents who are unable to cover housing payments due to hardships caused by Winter Storm Fern (2026).
Who is Eligible?
EWHAP is specifically for Davidson County residents impacted by Winter Storm Fern during the declared State of Emergency by Mayor Freddie O'Connell beginning January 26, 2026.
To qualify, applicants must:
- Be a resident of Davidson County.
- Have sustained damage or experienced hardship during Winter Storm Fern.
- Meet income eligibility (not exceeding 80% of Area Median Income (AMI)).
Qualifying Hardships (must have occurred during the storm):
- Property damage (electrical, plumbing, fallen trees, etc.)
- Hotel expenses
- Loss of work or reduced hours
- Death of a household member
- Illness
Income Eligibility
Applicants' income must not exceed 80% of AMI. Refer to the 2025 HUD Income Guidelines for Davidson County:
| Household Size | Income Limit |
|---|
| 1 | $64,300 |
| 2 | $73,500 |
| 3 | $82,700 |
| 4 | $91,850 |
| 5 | $99,200 |
| 6 | $106,550 |
| 7 | $113,900 |
| 8 | $121,250 |
Who is not Eligible?
- If you are facing eviction or foreclosure due to past-due payments prior to January 25, 2026, please apply for the Metro Action Commission Rent and Mortgage Assistance Program.
If you have already received housing payment assistance from another disaster relief organization, you should not apply for assistance for that same need.
Required Documentation
All applications must include:
- Valid government-issued ID
- Social Security cards for all household members
- Proof of income for the last 30 days
- Applicants without income prior to Winter Storm Fern do not qualify.
- Proof of hardship (see qualifying hardships above)
- Current lease and ledger (for renters) or current mortgage statement (for homeowners)
Examples of Hardship Documentation:
- Receipts showing financial impact
- Appointment notifications for illness (e.g., email confirmations)
- Hospital paperwork (doctor's note, discharge papers, etc.)
Assistance Details
- Maximum assistance: $2,000 per household
- Payments will be made directly to the leasing organization or mortgage company
- Assistance covers February or March 2026 housing expenses only
Application Timeline
- Opens: Thursday, February 5, 2026
- Closes: Thursday, February 12, 2026
- Awards will be granted to completed applications submitted during the application period while funds are available.
- Applicants must attend an award appointment scheduled by MAC.
Important: If your leasing organization or mortgage company does not respond within 14 days of award notification, your application will be denied so funds can be reallocated to other applicants.
For more information about the MAC EWHAP program, please e-mail [email protected] or reach out to the MAC Call Center at 615-862-8860 Monday through Friday from 8 a.m. until 4:30 p.m.
