Mortgage, Utility and Rent Relief (MURR) Program

Program Update - as of October 15, 2020:

  • We continue to accept applications for the Mortgage, Utility and Rent Relief (MURR) Program -- this program is designed for businesses, and instructions and a link to the online form can be found below on this page.
  • Review the questions first. We've posted the MURR application questions to expect, so you can prepare your answers and gather your documents before starting the actual online application.
  • For citizens seeking help with rent or utility payments, Governor Cooper has announced the N.C. Housing Opportunities and Prevention of Evictions (HOPE) Program.  For more information on the HOPE program, call 2-1-1 or visit to apply online.

If your business has experienced extraordinary business disruption and not been able to open due to the COVID-19 coronavirus pandemic, the new Mortgage, Utility and Rent Relief (MURR) Program may be able to offer assistance with some of your fixed costs.

To qualify to receive these relief funds, your organization must meet certain eligibility criteria.

We are accepting applications for this assistance on a first-come, first-served basis.

We can't guarantee your business will receive funding under this program.  However, we will pay the maximum assistance for which a business is eligible, and will make those payments to as many qualifying businesses as we can until program funds are exhausted.   If additional funds become available after the first round of funding is committed, the Program may reopen - but there is no guarantee we can reopen.

Our MURR team is available to assist you.  Email your questions or comments to:

MURR Program Details

Calculating the Relief Request

Calculating the Relief Request

MURR Program assistance is based on four months of rent or mortgage interest and utility costs at an eligible North Carolina business location during the April - August 2020 time period.  The business must have paid these costs in order to receive relief payments from our program, and you'll be required to show evidence that these payments were in fact made.

The relief amount must not exceed $20,000 per business location, with a limit of up to two business locations per applicant (for a maximum of $40,000 per business).

The total amount of relief funding available for the MURR Program is $40 million.  The applications are first come, first served and it is highly likely that some applications will not receive any relief.

Eligibility Requirements

Eligibility Requirements

Types of Businesses

Eligibility for the MURR Program is limited to the following types of businesses:

  • Amusement Arcades Establishments primarily engaged in operating amusement (except gambling) arcades and parlors. This category includes: Amusement arcades; Electronic game arcades; Family fun centers; Game rooms; Indoor play areas; Pinball arcades; Video game arcades. This category does NOT include establishments engaged in betting/gambling.
  • Amusement ParksEstablishments primarily engaged in operating a variety of attractions, such as mechanical rides, water rides, games, shows, theme exhibits, refreshment stands, and picnic grounds. This category includes: Amusement parks; Theme parks; Water parks. This category does NOT include Aquariums; Wild animal parks; Arboreta; Zoological gardens; Aviaries.
  • Banquet Halls With Catering StaffEstablishments primarily engaged in providing single event-based food service on premises. This category does NOT include providing food services at institutional, governmental, commercial, or industrial locations of others; Renting out facilities without providing catering staff; or off-premise catering.
  • Bingo ParlorsThis category does NOT include anything other than Bingo parlors.
  • Bowling CentersEstablishments engaged in operating bowling centers. These establishments often provide food and beverage services. This category includes: Bowling alleys; Bowling Centers.
  • Dance HallsThis category does NOT include anything other than Dance halls.
  • Drinking PlacesEstablishments known as bars, taverns, nightclubs, or drinking places primarily engaged in preparing and serving alcoholic beverages for immediate consumption. This category includes: Bars; Taverns; Cocktail lounges; Discotheques; Nightclubs. This category does NOT include Micro/Craft brewery tap rooms; Restaurants with bars.
  • Indoor Fitness And Recreational Sports CentersEstablishments primarily engaged in operating INDOOR fitness and recreational sports facilities featuring exercise and other active physical fitness conditioning or recreational sports activities. This category includes: Indoor ice or roller skating rinks; Gymnasiums; Physical fitness centers; Indoor handball, racquetball, or tennis club facilities; Indoor swimming pools; Indoor sports training facilities; Dance, aerobic dance, yoga, or martial arts studios. This category does NOT include: Outdoor fitness and recreational sports centers; Spectator sports venues.
  • Motion Picture Theaters (Except Drive-Ins)This category includes: Motion picture cinemas and theaters (indoor). This category does NOT include: Drive-In theaters; Film festivals exhibitors; Motion picture exhibition; Motion picture exhibitors for airlines; Motion picture exhibitors, itinerant (traveling from place to place).
  • Museums For-profit establishments primarily engaged in the preservation and exhibition of objects of historical, cultural, and/or educational value. This category includes: Art galleries (except retail); Planetariums; Art museums; Science or technology museums; Halls of fame; Wax museums. This category does NOT include nonprofit museums; Commercial art galleries.

Other Eligibility Requirements

Businesses must be operating for profit.   Nonprofits are not eligible for assistance from this program.

Each location for which relief is sought must have less than 50 employees.

The business location must have been closed between April and July 2020 due to COVID-19.

No relief will be paid for expenses that have been paid with other federal CARES Act funds (such as PPP).

Before You Apply

Before You Apply

You need to gather these documents before you complete the MURR application form:

  • Your most recent federal tax return with the page showing your NAICS code assignment
  • Your lease or mortgage agreement for the location(s) for which relief is sought.
  • Evidence of payment of rent or mortgage interest during the time period of April 1, 2020 through August 31, 2020 for the location(s) for which relief is sought
  • Evidence of payment of utility costs (electricity, natural gas, water, sewer, telephone and internet service) during the period of April 1, 2020 through August 31, 2020 for the location(s) for which relief is sought.

You'll also need the following information with you, before starting your application:

  • Contact information for the person applying for the grant, as well as a second person (optional)
  • Employer Identification Number (EIN)
  • N.C. Secretary of State ID Number (SOS ID - look up your ID here if needed)
  • Number of employees at each location for which relief is requested.
Application Form and Instructions

Application Form and Instructions

You apply for the Mortgage, Utility and Rent Relief Program (MURR) by filling out our online applcation form.

However, before you proceed with the online application, make sure you have thoroughly reviewed:

Please review those items before you begin filling out the form.  This will allow you to see all the application questions and instructions first, helping ensure you have assembled all the information we'll need to determine if you are eligible.

We would hate for you to spend time and resources filling out an application if you are not eligible, or to be unable to complete the online application because you do not have the information you need.

As part of your application submission, you will be required to attach (upload) several documents to substantiate the information you provide in the application.  Please have these documents ready BEFORE you begin the online application.  You will not be able to submit the application without them.

If you have not reviewed the Sample MURR Application, click here

Click to Apply | Mortgage, Utility and Rent Relief Program (MURR)

Webinar Reference Materials

Webinar Reference Materials

The Department of Commerce hosted three educational webinars to brief interested parties about the MURR Program.

For your reference, you can view these past sessions here :

Answers to Frequently Asked Questions (FAQs)

Answers to Frequently Asked Questions (FAQs)

We've gathered answers to the most common questions we're hearing about the Mortgage, Utilities and Rent Relief Program (MURR).

Statutes and Other Information

Statutes and Other Information

Governor Roy Cooper announced the MURR Program on September 22, 2020.  The $40 million for the MURR Program comes from the Continuity of Operations appropriation, as part of the state Coronavirus Relief Fund (CRF).  The legislation appropriating the funds was signed into law as S.L. 2020-4 and the Governor notified the General Assembly of his intent to use funds in this manner on August 25, 2020.  

The use of the Coronavirus Relief Funds is to provide assistance for the costs of extraordinary business disruption caused by the public health emergency.