North Carolina Homeowner Assistance Fund (HAF)
Emergency financial assistance for North Carolina homeowners struggling with mortgage payments, property taxes, and housing expenses due to COVID-19 hardship.
About North Carolina's HAF Program
North Carolina received $372 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 displacement of homeowners experiencing financial hardship.
NC's HAF program provides direct financial assistance to eligible homeowners to help them catch up on past-due mortgage payments, property taxes, homeowners insurance, homeowners association fees, and utilities. This critical support helps North Carolina families stay in their homes and avoid foreclosure.
Administered by the North Carolina Housing Finance Agency (NCHFA), the program prioritizes assistance to socially disadvantaged individuals and those earning less than 100% of Area Median Income, ensuring that help reaches the families who need it most throughout the state.
What Does North Carolina 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, mortgage insurance, and flood insurance premiums
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
North Carolina HAF Eligibility Requirements
North Carolina Homeownership
Must own and occupy a home in North Carolina 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 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 North Carolina HAF
Visit the NC Housing Finance Agency Website
Go to the official North Carolina Homeowner Assistance Fund website administered by the NC Housing Finance Agency (NCHFA) to start your application.
Visit NC HAF WebsiteCheck Your County's Income Limits
Income limits vary by county and household size in North Carolina. Verify that your household income is at or below 150% of your county's Area Median Income on the NCHFA website.
Gather 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?
HUD-approved housing counseling agencies throughout North Carolina can assist with HAF applications at no cost. Visit the NCHFA website for a list of approved counselors in your area.
Related Articles About North Carolina Homeowner Assistance
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North Carolina's Energy Saver program is now available in all 100 counties. Income-eligible homeowners can get up to $16,000 for insulation and HVAC upgrades, plus another $14,000 for electric appliances. Apply through your county today.
Western North Carolina Homeowners Can Get Up to $16,000 for Energy Upgrades
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Western North Carolina Homeowners Can Get Up to $16,000 for Energy Upgrades
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North Carolina Home Repair Grant Initiative Supports Residents with Urgent Fixes
The North Carolina Housing Finance Agency's 2026-2027 Urgent Repair Program (URP27) is channeling deferred, forgiven loans of up to $15,000 to very low-income homeowners for life-safety repairs and accessibility upgrades, with nonprofit and local-government partners competing for allocations of up to $330,000 per service area.
Check Your Eligibility for More Programs
North Carolina offers many other homeowner assistance programs beyond HAF. See what programs you qualify for based on your situation.