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Homeowner Assistance Fund

COVID-19 has forced millions of homeowners to fall behind on their mortgages and other housing-related expenses through no fault of their own. The Homeowner Assistance Fund (HAF) is a new federal program to help these households catch up on their overdue bills and remain in their homes. A large majority of states are running this program through their state’s housing finance agency (HFA).

States will administer a total of $9.961 billion, subject to Treasury Department guidance available on the HAF program website. A summary of the HAF is available here.

All the states and eligible territories have applied for funding and received 10 percent of the total funding amount for which they are eligible. States are now designing their programs and drafting plans they must submit to Treasury to receive the full funding and get their assistance programs running.

Homeowner Assistance Fund by State

States are working diligently to submit their HAF plans to the Treasury Department as quickly as possible. Some states also are working to use the funds they have received to set up small mortgage assistance programs so that they can start helping homeowners sooner.

Click on a state to get the latest information about its Homeowner Assistance Fund programs.

HAF - Preliminary information available Preliminary information available HAF - Information coming soon Information coming soon
Pilot program running

Mortgage Assistance Programs Library

NCSHA’s Mortgage Assistance Programs Library provides HFAs and other Homeowner Assistance Fund (HAF) program administrators with access to other administrators’ HAF policies, procedures, and program documents, as well program templates and other resources created by NCSHA. It also includes materials from past HFA mortgage assistance programs, including the Hardest Hit Fund. This page is accessible only to state HFAs and other HAF program administrators.

Go to the Library

U.S. Treasury Department Homeowner Assistance Fund (HAF) Resources

Treasury HAF

Are You a Homeowner in Need of Assistance Now?

Currently, states are in the process of designing their HAF programs in anticipation of receiving funding from the Treasury Department by later this spring. NCSHA will post a link to each state’s HAF program as they open.

Resources for Homeowners


CFPB - Help for homeowners

Consumer Finance Protection Bureau (CFPB): Help for Homeowners

Visit CFPB Website

HUD Logo

HUD: COVID-19 Resources: Information on Forbearance for Homeowners

Visit HUD Website

Fannie Mae

Mortgage Forbearance Explained Card Image

Fannie Mae: Here to Help

Visit Fannie Mae Website



FreddieMac: Extending Help to Homeowners Impacted by COVID-19

Visit FreddieMac Website

Find your stateSearching for rental assistance? Find your state on the Emergency Rental Assistance Programs by State map. 

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