The Homeowner Assistance Fund (HAF) is a federal program created to help homeowners recover from the financial impacts of COVID-19. Administered by the U.S. Treasury and funded through the American Rescue Plan Act of 2021, the program is managed by each state to assist eligible homeowners with past-due mortgage payments, property taxes, utility bills, and other homeownership-related expenses. The goal is to help families avoid foreclosure and maintain stable housing.
The U.S. Treasury launched the HAF program with guidance from Congress and the federal government. While it's a national initiative, states, territories, and tribal entities manage the program locally. Homeowners apply through their local agencies and receive funds that are distributed according to their area's criteria and availability.
The Federal Housing Administration (FHA) offers parallel support systems that complement HAF. While not directly tied to the fund, FHA's policies help mortgage servicers and lenders offer options like forbearance or loan modifications. Homeowners whose hardships extend beyond HAF eligibility can often find support through FHA guidelines.
Depending on your state, HAF can help with mortgage loan payments, insurance, property taxes, utility bills, and even HOA dues. Some states provide additional support for internet access or home energy services. A complete list of covered expenses is usually available on your state’s housing department website.
To qualify for assistance, you must have experienced a financial hardship after January 21, 2020, due to COVID-19. Your property must be your primary residence, and your income should be below your state’s limit—usually 100% to 150% of area median income. Each program has additional eligibility requirements, so visiting the official website or speaking with a housing counselor is crucial.
Applicants should prepare documents such as mortgage statements, proof of income, identification, and utility bills. If your hardship stems from job loss or medical bills, include notices or receipts that support your claim. Documentation ensures your application can be processed without delay.
Each state has a dedicated application portal for the HAF program. Begin by visiting your local housing authority’s website or using the NCSHA’s interactive map. The process often involves completing an online form, uploading documents, and receiving confirmation from your mortgage servicer.
Once submitted, your application will be reviewed by the agency and your mortgage company. You may receive updates via email, letter, or phone. If approved, payment will typically go directly to the lender, utility provider, or other relevant party.
Servicers and lenders are critical partners in the process. They confirm account status, provide required documents, and receive payments from the state agency. If you are unsure who your mortgage servicer is, check your monthly mortgage statement or contact your lender directly.
A HUD-approved counselor can walk you through the application process, explain your rights, and offer budgeting assistance. These services are free and can be accessed by visiting Credit.org or calling a local HUD agency.
The Department of Housing and Urban Development (HUD) oversees policies that ensure fair access to HUD mortgage assistance programs. HUD also funds counseling agencies, loss mitigation programs, and helps enforce regulations to protect homeowners from predatory lending.
Not all financial troubles qualify for HAF. If your hardship occurred before the pandemic or your income is above the threshold, contact your mortgage lender to ask about repayment plans or loan modifications. FHA and other agencies offer alternatives outside the HAF structure.
Renters are not eligible for HAF, but they can seek help through the Housing Stability Counseling Program (HSCP). Created alongside HAF, HSCP supports those facing eviction, housing instability, or financial hardship. Visit HUD or NeighborWorks America for guidance, or get Rental Counseling from one of Credit.org's HUD-certified housing counselors.
Loss mitigation includes strategies such as loan modification, partial claims, or deferral programs. These options help keep homeowners out of foreclosure and may be coordinated through a HUD-approved counselor or your mortgage company.
Use trusted websites like the CFPB, HUD.gov, and your state housing agency for updated guidance. Community partners like Credit.og and NeighborWorks America also offer free support through local counselors.
Still unsure? If you have questions about the program’s process, eligibility, or documentation, visit your state’s website or speak with a HUD counselor. For nationwide guidance, the CFPB and NCSHA offer current resources.
