Homeowner Assistance Fund (HAF)
Emergency financial assistance for homeowners struggling with mortgage payments, property taxes, utilities, and other housing expenses due to COVID-19 hardship.
What is the Homeowner Assistance Fund?
The Homeowner Assistance Fund (HAF) was established by the American Rescue Plan Act of 2021 to provide financial assistance to eligible homeowners facing hardship after January 21, 2020.
HAF programs are administered at the state and territorial level, with each jurisdiction designing its own program within federal guidelines. The fund helps prevent mortgage delinquencies, defaults, foreclosures, and displacement of homeowners experiencing financial hardship.
What Does HAF Cover?
Mortgage Payment Assistance
Past-due or future mortgage payments, including principal, interest, and escrow
Property Taxes & Insurance
Delinquent property taxes, homeowner's insurance, and flood insurance
HOA Fees & Utilities
Homeowner association fees and utility payments (some states)
Loan Reinstatement
Funds to bring a delinquent mortgage current and prevent foreclosure
Mortgage Loan Modifications
Down payment assistance for loan modifications or refinancing
Other Housing Expenses
Additional housing costs that vary by state program
General Eligibility Requirements
Note: Each state has its own specific eligibility criteria and income limits. The requirements below are general federal guidelines.
Financial Hardship After January 21, 2020
Must have experienced financial hardship related to COVID-19, such as job loss, reduced income, or increased expenses
Income Limits
Generally for households at or below 150% of Area Median Income (AMI), with priority for those at or below 100% AMI
Homeownership
Must own and occupy the home as your primary residence
Documentation
Ability to document income, hardship, and housing expenses
How to Apply for HAF
Find Your State's HAF Program
Each state administers its own HAF program with unique names and websites. Search for "[Your State] Homeowner Assistance Fund" or visit the official federal directory.
Visit Treasury.gov HAF DirectoryCheck Eligibility & Gather Documents
Review your state's specific requirements and prepare documentation including proof of income, mortgage statements, property tax bills, and hardship explanation.
Submit Your Application
Most states offer online applications. Complete the form carefully and upload all required documents.
Wait for Review & Approval
Processing times vary by state. If approved, funds are typically paid directly to your mortgage servicer or tax authority.
Ready to Apply?
Find your state's HAF program and start your application today.