They have forebearance of 180 days and you can extend another 180. But this will unwind very badly because it's still due yet the renters and homeowners won't be in a position to pay lump sums. From a Planet Money episode, essentially the mortgage servicers will go bankrupt as they are the only ones that can't defer payments in the flow. You have renters, landlords, banks, mortgage servicers, investors and the federal government guarantees a lot of mortgages. It seems most plausible that homeowners who don't pay will end up with longer mortgages versus a balloon payment they won't be able to handle.
The current proposal in Congress reimburses landlords and mortgage holders with taxpayer money subject to stipulations. This proposal is actually much cheaper than the UBI esque one.