Financial Assistance Program Helps Michigan Homeowners Affected by the Pandemic
The Michigan State Housing Development Authority (MSHDA) offers financial assistance to homeowners affected by the pandemics. The State was given $242.8 million through the American Rescue plan, established under section 3206 to reduce hardships associated with the coronavirus pandemic by providing funds to homeowners experiencing financial hardship.
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“The Michigan Homeowner Assistance Fund is a foreclosure prevention program that was recently created in Michigan,” MSHDA Director of Homeownership, Mary Townley, said. “It’s part of the American Rescue Plan. The homeowner applies online,” Townley said. “We review their application. We determine if they’re eligible based on three eligibility criteria components.”
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Funds up to $25,000.00 can be used to prevent homeowner mortgage delinquencies, defaults, foreclosure, loss of utilities or home energy services, and displacements of homeowners experiencing financial hardship on or after January 21, 2020, or for those homeowners who experience a coronavirus pandemic financial hardship that began before January 21, 2020, but continued after that date. To be eligible for assistance under Michigan’s MIHAF Program, Michigan homeowners must have incomes equal to or less than 150% of the area median income household limit in accordance with HUD’S FY 2021 HAF Income Limits. However, priority is given to households with incomes equal to or less than 100% of Area Median Income (AMI) and those identified as Socially Disadvantaged Individuals (SDI).
“Right now, the majority of our assistance is mortgage help,” Townley said. “The second is property taxes but we are doing our fair share of utility help, too.”
Eligible properties include single-family (attached or detached) properties, condominium units, 1 to 4-unit properties where the homeowner is living in one of the units as their primary residence, manufactured homes permanently affixed to real property and taxed as real estate, and mobile homes not permanently affixed to real property.
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According to the program’s official site, these funds from the program can be used for:
- Delinquent mortgage/housing expenses, including property tax and insurance escrow shortages
- Delinquent land contract payments, mobile home consumer loan payments, or mobile home park lot payments
- Also, Property taxes
- Delinquent condominium/homeowners’ association fees
- Delinquent homeowner’s insurance,
- Utilities, gas, electric, water, sewer
- And also, delinquent internet broadband services
Online applications are available and homeowners can get assistance on how to apply and all the necessary documents. First, review the Acceptable Documentation List and be prepared to provide supporting documentation, such as photo ID, social security number, monthly income/benefit statement, and delinquent housing expense statements. For more information on the Michigan Homeowner Assistance Fund (MIHAF) call 844-756-4423, email MSHDA-HO-HAF-Program@michigan.gov or visit the official site. The deadline to apply for this program is September 30, 2026.
