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Homeowners struggling to pay their mortgage and other bills because of COVID can still get by thanks to federal funds.
american rescue planning act set aside incentives For states to help people at risk of losing their homes.
Known as the Homeowner Assistance Fund (HAF), it provides about $10 billion for states and other US territories.
In all states and eligible territories applied for fundingAnd most of them have now set up their own programs.
Others have so far established pilot programs, or remain in the process of doing so, according to National Council of State Housing Agencies (NCSHA).
If you accept, the money can be used for mortgage payments, homeowner’s insurance, utility payments, and more.


Who is eligible to get help?
Finance Available to those who have initially experienced financial hardship after the pandemic hit the US.
You may be eligible if you experience financial difficulties after January 21, 2020, as well as difficulties that began before this date but continue after that date.
To qualify, income must be 150% or less of the region’s median income or 100% of the median income for the US, whichever is greater.
Also, the landlord’s mortgage balance must be less than $548,250.
How much you can get varies between states, but california Currently offering the highest maximum $80,000 per family.
in comparison, Arizona is offering up to $25,000, Georgia up to $50,000 and Oklahoma up to $20,000.
HAF program in each state and territory
HAF program open,
- alabama
- Alaska – Applications close on April 4.
- Arizona
- Arkansas
- california
- Connecticut
- Florida
- Georgia
- Guam
- Hawaii – Applications temporarily closed on March 4th
- idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- louisiana
- I
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- montana
- Nebraska
- Nevada
- new Hampshire
- new jersey
- new Mexico
- New York
- North Carolina
- ohio
- Oklahoma
- Pennsylvania
- Puerto Rico
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Vermont
- Virginia
- West Virginia
- Wisconsin
- Wyoming
Pilot program underway:
- Colorado
- District of Columbia
- Iowa
- montana
- Oregon
- Washington
Preliminary information available:
- Delaware
- North Dakota
- Utah
To apply, visit your state’s website and follow the instructions.
If and when your application is approved, the funds are usually sent directly to your mortgage lender and other providers.
We explain how to get mortgage relief a federally supported refinancing program,


are homeowners Missing out on savings of over $300 per month By not refinancing your mortgage.
Additionally, we reveal how to reduce mortgage payments As interest rates rocket.
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