The Homeowner Assistance Fund (HAF) was created by the American Rescue Plan Act to help homeowners struggling to make housing payments during the COVID-19 pandemic. In addition to mortgage payments, the HAF offers community association homeowners assistance with paying "homeowner's association, condominium association fees, or common charges," which qualify as housing expenses that may be paid from the fund.
This marks the first time the federal government has elevated payment of community association assessment delinquencies to the same level as mortgage delinquencies in emergency housing legislation.
To qualify, homeowners must have incomes that are less than 150% of the area median income and have suffered a financial hardship, such as a job loss or hefty healthcare expenses, after January 21, 2020.
If you feel that you will qualify for the Homeowner Assistance Fund, you can contact:- your mortgage loan servicer today to see if you qualify for mortgage forbearance to temporarily suspend your payments or a mortgage modification that could help reduce your monthly payments.
- your association board if you are having trouble paying your association assessments to see what options are available. Remember to document your interactions as these records may prove helpful in applying for HAF aid.
- the Consumer Financial Protect Bureau (AFPB) to provide assistance in finding a housing counselor for advice on defaults, foreclosures, and credit issues.
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- Blue indicates the state has made assessments ELIGIBLE for HAF
- Red indicates the state has made assessments INELIGIBLE for HAF
- Yellow indicates that the state has approved certain limited funds only for HAF
- States' HAF programs that are inactive or closed are in white
Only states electing to participate in the HAF will receive an allocation to create state HAF programs, which will be administered though the state housing finance agencies. Click here to view the data and methodology used by the Treasury Department to determine HAF state allocations. Please note that the deadline for states to either submit HAF Plans or notify Treasury of the date by which their HAF plan will be submitted was extended to July 31, 2021; most state HAF programs. Most programs that have been approved are active with a few in their pilot phase.
| State Housing
Financing Agency | Status | Maximum Award Amount (per
Household) | Web Portal
| | Alabama
Housing Finance Authority | Closed | $
50,000 | Alabama | | Alaska
Housing Finance Corporation | Closed | Application-based | Alaska | | Arizona
Department of Housing | Open | $
25,000 | Arizona | | Arkansas
Development Finance Authority | Open | $
50,000 | Arkansas | | California
Housing Finance Agency | Open | $
80,000 | California | | Colorado
Housing Finance Authority | Open | $
40,000 | Colorado | | Connecticut
Housing Finance Authority | Open | $
50,000 | Connecticut | | Delaware
State Housing Authority | Open | $
30,000 | Delaware | | District
of Columbia Housing Finance Agency | Open | $
120,000 | District
Columbia | | Florida
Housing Finance Corporation | Closed | $
50,000 | Florida | | Georgia
Department of Community Affairs/Georgia Housing Finance Authority | Open | $
50,000 | Georgia | | Hawaii
Housing Finance and Development Corporation | Open | $
30,000 | Hawaii | | Idaho
Housing and Finance Association | Open | $
50,000 | Idaho | | Illinois
Housing Development Authority | Open | $
30,000 | Illinois | | Indiana
Housing & Community Development Authority | Open | $
35,000 | Indiana | | Iowa
Finance Authority | Open | $
25,000 | Iowa | | Kansas
Housing Resources Corporation | Open | $
60,000 | Kansas | | Kentucky
Housing Corporation | Open | $
60,000 | Kentucky | | Louisiana
Housing Corporation | Open | $
50,000 | Louisiana | | Maine
Housing | Open | $
25,000 | Maine | | Maryland
Department of Housing and Community Development | Open | $
40,000 | Maryland | | Massachusetts
Department of Housing and Community Development | Open | $
50,000 | Massachusetts | | Michigan
State Housing Development Authority | Open | $
25,000 | Michigan | | Minnesota
Housing | Open | $
50,000 | Minnesota | | Mississippi
Home Corporation | Open | $
50,000 | Mississippi | | Missouri
Housing Development Commission | Open | $
50,000 | Missouri | | Montana
Housing | Open | $
25,000 | Montana | | Nebraska
Investment Finance Authority | Open | $
40,000 | Nebraska | | Nevada
Housing Division | Open | $
100,000 | Nevada | | New
Hampshire Housing Finance Authority | Open | $
20,000 | New Hampshire | | New Jersey
Housing and Mortgage Finance Agency | Open | $
75,000 | New Jersey | | New Mexico
Mortgage Finance Authority | Open | $
20,000 | New Mexico | | New York
State Homes and Community Renewal | Closed | $
95,000 | New York | | North
Carolina Housing Finance Agency | Open | $
40,000 | North
Carolina | | North
Dakota Housing Finance Agency | Open | Application-based | North Dakota | | Ohio
Housing Finance Agency | Open | $
25,000 | Ohio | | Oklahoma
Housing Finance Agency | Open | Application-based | Oklahoma | | Oregon
Housing and Community Services | Open | Application-based | Oregon | | Pennsylvania
Housing Finance Agency | Open | $
30,000 | Pennsylvania | | Rhode
Island Housing | Closed | $
50,000 | Rhode Island | | South
Carolina State Housing Finance Development Authority | Open | Application-based | South Carolina | | South
Dakota Housing Development Authority | Open | $
25,000 | South
Dakota | | Tennessee
Housing Development Agency | Open | $
40,000 | Tennessee | | Texas
Department of Housing and Community Affairs | Open | $
65,000 | Texas | | Utah
Housing Corporation | Open | $
35,000 | Utah | | Vermont
Housing Finance Agency | Open | $
30,000 | Vermont | | Virginia
Housing Development Authority | Open | $
40,000 | Virginia | | Washington
State Housing Finance Commission | Open | $
60,000 | Washington | | West
Virginia Housing Development Fund | Open | $
15,000 | West Virginia | | Wisconsin
Housing and Economic Development Authority | Open | $
40,000 | Wisconsin | | Wyoming
Community Development Authority | Open | $
17,000 | Wyoming
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