Louisiana Homeowner Assistance Fund (HAF)
Emergency financial assistance for Louisiana homeowners struggling with mortgage payments, property taxes, insurance, and housing expenses due to COVID-19 hardship.
About Louisiana's HAF Program
Louisiana received $216 million in federal Homeowner Assistance Fund (HAF) allocation to help homeowners who experienced financial hardship after January 21, 2020. The program is especially critical in Louisiana, where many homeowners face challenges from both COVID-19 economic impacts and recurring natural disasters.
Louisiana's HAF program provides direct financial assistance to eligible homeowners to help them catch up on past-due mortgage payments, property taxes, homeowners insurance (including elevated wind and flood insurance common in Louisiana), homeowners association fees, and utilities. This assistance helps Louisiana families stay in their homes and avoid foreclosure.
Administered by the Louisiana Housing Corporation (LHC), the program prioritizes assistance to socially disadvantaged individuals and those earning less than 100% of Area Median Income. The program recognizes the unique challenges Louisiana homeowners face, including high insurance costs and disaster recovery needs.
What Does Louisiana 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, wind insurance, and flood insurance premiums (critical in Louisiana)
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
Louisiana HAF Eligibility Requirements
Louisiana Homeownership
Must own and occupy a home in Louisiana 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, increased medical expenses, or business closure after January 21, 2020
Income Limits
Household income at or below 150% of Area Median Income (AMI) for your parish. 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 Louisiana HAF
Visit the Louisiana Housing Corporation Website
Go to the official Louisiana Homeowner Assistance Fund website administered by the Louisiana Housing Corporation (LHC) to start your application.
Visit Louisiana HAF WebsiteCheck Your Parish's Income Limits
Income limits vary by parish (county) and household size in Louisiana. Verify that your household income is at or below 150% of your parish's Area Median Income on the LHC website.
Gather Required Documents
Prepare documentation including proof of income (pay stubs, tax returns), mortgage statements, property tax bills, insurance bills (including wind and flood), 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, insurance company, or other service providers.
Hurricane and Disaster Victims
If you were affected by recent hurricanes or other natural disasters in Louisiana, you may qualify for additional assistance programs beyond HAF. Contact the Louisiana Housing Corporation or visit their website for information about disaster recovery programs for homeowners.
Related Articles About Louisiana Homeowner Assistance
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Louisiana homeowners in Lafayette and other coastal parishes have until 5 p.m. Friday to register for a lottery for up to $10,000 toward a fortified roof.
Louisiana Homeowners Can Get Up to $10,000 for Fortified Roof Upgrades
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Louisiana Homeowners Can Apply for Up to $10,000 for Fortified Roof Upgrades
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Check Your Eligibility for More Programs
Louisiana offers many other homeowner assistance programs beyond HAF. See what programs you qualify for based on your situation.