Florida Homeowner Assistance Fund (HAF)
Emergency financial assistance for Florida homeowners struggling with mortgage payments, property taxes, insurance, and other housing expenses due to COVID-19 hardship.
About Florida's HAF Program
Florida received $676 million in federal Homeowner Assistance Fund (HAF) allocation to help homeowners who experienced financial hardship after January 21, 2020. The program is designed to prevent mortgage delinquencies, defaults, foreclosures, and loss of utilities and home energy services.
Florida's HAF program provides direct financial assistance to eligible homeowners to help them catch up on past-due mortgage payments, property taxes, homeowners insurance, flood insurance, homeowners association fees, and utility bills. This critical support helps Florida families stay in their homes and avoid foreclosure.
The program prioritizes assistance to socially disadvantaged individuals and those earning less than 100% of the Area Median Income (AMI), ensuring that help reaches the families who need it most.
What Does Florida HAF Cover?
Mortgage Payments
Past-due mortgage payments including principal, interest, and escrow to bring your loan current
Property Taxes
Delinquent property tax payments to prevent tax liens and foreclosure
Insurance Premiums
Homeowners insurance and flood insurance premiums (critical in Florida)
HOA Fees
Past-due homeowners association and condominium association fees
Utility Bills
Past-due utility payments including electric, gas, water, and internet
Foreclosure Prevention
Assistance to reinstate loans and stop foreclosure proceedings
Florida HAF Eligibility Requirements
Florida Homeownership
Must own and occupy a home in Florida as your primary residence
Financial Hardship After January 21, 2020
Must have experienced financial hardship related to COVID-19, such as job loss, reduced income, or increased medical expenses after January 21, 2020
Income Limits
Household income at or below 150% of Area Median Income (AMI) for your county. Priority given to households at or below 100% AMI
Housing Payment Delinquency
Must be delinquent or at risk of delinquency on mortgage, property taxes, insurance, HOA fees, or utilities
Documentation
Ability to provide proof of income, hardship documentation, mortgage statements, tax bills, and other required documents
How to Apply for Florida HAF
Visit the Florida HAF Website
Go to the official Florida Homeowner Assistance Fund website administered by Florida Housing Finance Corporation to start your application.
Visit Florida HAF WebsiteGather Required Documents
Prepare documentation including proof of income (pay stubs, tax returns), mortgage statements, property tax bills, insurance bills, utility bills, hardship explanation, and government-issued ID.
Complete the Online Application
Fill out the application carefully and upload all required documents. The application will ask about your hardship, income, and housing expenses.
Wait for Review & Approval
Your application will be reviewed for eligibility. Processing times vary. If approved, funds are paid directly to your mortgage servicer, tax collector, or other service providers.
Need Help with Your Application?
Many local housing counseling agencies can assist with Florida HAF applications at no cost. Visit the Florida Housing Finance Corporation website for a list of approved counselors in your area.
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Check Your Eligibility for More Programs
Florida offers many other homeowner assistance programs beyond HAF. See what programs you qualify for based on your situation.