If you're struggling to pay your mortgage, the Homeowner Assistance Fund (HAF) may be able to help. Up to $50,000 in assistance is available to eligible homeowners, but you'll need to apply through your state's program. The application process can be complex, so it's essential to understand the requirements and deadlines.
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
To apply for the Homeowner Assistance Fund, you'll need to contact your state's HAF program directly, as each state has its own application process and deadlines. You can find a list of state HAF programs on the National Council of State Housing Agencies website.
Before applying, make sure you meet the eligibility criteria, which typically includes being a homeowner, facing financial hardship, and meeting income limits. You'll also need to provide documentation, such as proof of income, mortgage statements, and identification.
Do not pay anyone to help you apply for HAF assistance, as this is a free program and you can get help from your state's program or a HUD-approved housing counselor.
Eligibility Requirements
Income Limits
The HAF program has income limits that vary by state and household size. For example, in a state with a median home price of $250,000, the income limit for a family of four might be $80,000. You'll need to confirm the income limits with your state's HAF program.
Documentation
You'll need to provide documentation to support your application, including proof of income, mortgage statements, and identification.
Application Process
Step 1: Check Eligibility
Review the eligibility criteria and confirm you meet the requirements.
Step 2: Gather Documentation
Collect all necessary documents, including proof of income, mortgage statements, and identification.
Step 3: Submit Application
Submit your application to your state's HAF program, either online or by mail.
Assistance Options
Mortgage Payment Assistance
The HAF program can provide assistance with mortgage payments, including up to 6 months of payments.
Homeowner Reinstatement
The program can also help with reinstatement fees and other costs associated with avoiding foreclosure.
Apply for HAF Assistance
Contact your state's HAF program to start the application process and get the assistance you need to avoid foreclosure. You can also get free help from a HUD-approved housing counselor.
The deadline to apply for HAF assistance varies by state, so you'll need to check with your state's HAF program for the specific deadline. Some states may have already closed their application periods, while others may still be accepting applications.
Can I apply for HAF assistance if I've already received assistance from another program?
It depends on the specific program and the type of assistance you received. You'll need to check with your state's HAF program to determine if you're eligible for HAF assistance.
How long does it take to process a HAF application?
The processing time for HAF applications varies by state, but it can take several weeks to several months. You'll need to check with your state's HAF program for an estimated processing time.
Can I appeal a denied HAF application?
Yes, you can appeal a denied HAF application. You'll need to follow the appeals process outlined by your state's HAF program, which may include providing additional documentation or attending a hearing.