The Homeowner Assistance Fund (HAF) is a federal program that was intended to help homeowners who were financially impacted by COVID-19. Each state has a program and might still have funds available. The money for the program is limited. The program is scheduled to end September 2026 or when the money has been used up, whichever comes first.
Here you’ll find answers to key questions about the HAF program. For any other questions, see additional details below or contact a HUD-approved housing counseling agency. They can help guide you through the application process.
What is the Homeowner Assistance Fund (HAF)?The Homeowner Assistance Fund was established by the American Rescue Plan Act to help homeowners who have been financially impacted by COVID-19 with certain housing-related costs. The program’s goal is to prevent:
The HAF program available to you will depend on your area. Each state or territory developed its own program. Programs were also developed by Tribes (or their Tribally Designated Housing Entity), the Department of Hawaiian Home Lands, and the District of Columbia.
Many programs began accepting applications in early 2022. The money for this program is limited. It is scheduled to end in September 2026, or when state funds are exhausted. In total, approximately $10 billion will be disbursed to programs across the country.
Am I eligible?To be eligible, you must:
You may also have to meet additional requirements specific to the program where you are applying.
What expenses are eligible?Depending on the program, homeowners may use the funds for expenses such as:
Not all programs will cover all of the expenses listed here. Check your local program for details.
How do I apply?Application processes may vary by location. You will need to verify that you meet income requirements and may need to provide additional necessary documentation. You must confirm that you have experienced a financial hardship after January 21, 2020 and describe the nature of that hardship, such as a job loss, reduction in income, or increased costs due to healthcare or the need to care for a family member.
. You will be able to navigate to a page for your area’s specific program where you may be able to apply immediately or sign up to receive alerts about when your program will be available.
If you are part of a Tribe or live on tribal lands, you can reach out to your affiliate tribal government to see what HAF resources may be available.
In most cases, programs are providing money as a grant that does not need to be paid back. However, under some circumstances, individual programs may require the money to be repaid. For example, repayment may be requested if you sell your home before a specified date. Check your specific program requirements based on your area
If you are still unsure about whether or not you have to repay any assistance you receive, contact a HUD-approved housing counseling agency.
Am I guaranteed to receive assistance if I meet the eligibility requirements?Application submission does not guarantee you will receive financial assistance. Depending on your area, some programs may not have enough money to help every applicant. Some locations expect to receive more applications than can be funded by their program.
How will I receive the aid if I am approved?In most cases, if you are approved, money will be sent directly to your mortgage servicer, utility company, or contractor making repairs, if they participate in the HAF program. Your mortgage servicer is the company that sends your mortgage statements and to which you make your mortgage payments. If money is being used to help with mortgage payments, it’s a good idea to call your servicer to discuss the process, verify that they participate in the HAF program, and let them know that they will likely be receiving payment from the HAF program. HAF assistance can and should be used in addition to any other payment adjustment options provided by your mortgage servicer.
How can I get help filling out my application?A HUD Certified Housing Counselor can assist you with the application process. Find a housing counselor near you.
What types of properties are eligible?Many states cover a wide variety of homes, including:
If you are otherwise eligible for HAF, you can still apply for HAF even if the foreclosure process has started. Depending on who owns your mortgage, the foreclosure process could be paused while you are in the HAF application process, and if you are approved, the money could be used to bring your mortgage current and stop foreclosure altogether. For example, if Fannie Mae
backs your mortgage, your servicer is generally required to pause foreclosure activities for up to 60 days once your HAF program has notified them of your application.
Other government agencies, such as FHA, VA, and USDA, strongly encourage servicers to pause the foreclosure process once they have been notified that a borrower has applied for HAF or been approved for assistance but do not require it. Some state HAF programs may require a servicer to pause foreclosure activity. Check with your HAF program to see if they have notified your servicer. Regardless of who backs your mortgage, it’s a good idea to let your servicer know that you have applied for HAF and ask if the foreclosure process can be paused.
If you are concerned about losing your home to foreclosure, contact a HUD-approved housing counseling agency who can help you develop a plan. If you need a lawyer, you may qualify for free legal services through your local bar association or legal aid. If you are a servicemember, contact your local Legal Assistance Office
Can I submit a complaint if I have difficulty with my mortgage servicer and the HAF process?Yes, if you are struggling to pay your mortgage and are having difficulty with your servicer related to applying for HAF, you can submit a complaint online. We’ll forward it to the company and work to get you a response, generally within 15 days.
If you have been denied for HAF, you can try to get in contact with a representative from your local HAF program who can explain why you did not meet their eligibility criteria or if funds are no longer available for the program. Find your program by visiting this site
and selecting the appropriate state, district, or territory on the map.
How can I avoid scams?Scammers often target vulnerable homeowners who are in need of assistance or trying to stay in their homes. A common tactic scammers use is requiring you to pay an upfront fee before giving you any services. They may also try to charge you for applying to a free program. It is generally unnecessary and often illegal for a company to charge you upfront with a promise to help you get mortgage relief. Avoid any company that does this. There is no cost to apply for HAF.
Additionally, scammers may ask you to sign over the title to your property, ask you to sign papers that you do not understand, say you should start making payments to someone other than your servicer or lender, or tell you to stop making mortgage loan payments altogether. Be careful to avoid scammers
who engage in these practices.
You should always make sure you are getting information and applying from official government websites (for example, with website addresses ending in “.gov”) and sources. Scammers will sometimes use websites that look similar to official government websites to trick consumers. If you are unsure if something is a scam, contact a HUD-approved housing counseling agency.
Do I have other options if I am not approved for HAF?If you do not meet the eligibility requirements for HAF or your state no longer has funds available and are still concerned about losing your home, there may be other options available to you. You can contact a HUD-approved housing counseling agency. They can help you figure out your options and guide you through the paperwork and process of working with your servicer. Find a housing counselor near you.
Remember, help is free. You don’t have to pay anyone to help you avoid foreclosure.
