A woman talks to two men while they look over paperwork.

Homeowner Assistance Fund: What it is and how you can benefit

If you have been financially impacted by COVID-19, you may be eligible for assistance through the Homeowner Assistance Fund.

What is the Homeowner Assistance Fund?

The Homeowner Assistance Fund (HAF) 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:

  • Mortgage issues like delinquencies, defaults or foreclosures
  • Loss of power services or other home utilities
  • Homeowners being displaced and losing the ability to live in their home

The HAF program available to you will depend on your area. Each state developed its own program.

For more detailed information, visit the website:

Learn More

Am I Eligible for the Homeowner Assistance Fund?

To be eligible, you must:

  • Have experienced a financial hardship associated with the COVID-19 pandemic 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.
  • Apply for assistance for your primary residence.
  • Verify that you meet income requirements and provide additional necessary documentation.
  • Have a household income at or below your state’s program requirements.
    • Most state programs limit eligibility to households with less than 150% of the median income in your area or $79,900, whichever is higher. Some programs have established lower limits, so check the link for information about your state’s requirements:

Find Out If You Are Eligible

How Can Money from the Homeowner Assistance Fund be used?

Depending on the program, homeowners may use the funds for expenses such as:

  • Mortgage payments, including past due payments
  • Property taxes
  • Homeowners’ insurance
  • Homeowners’ association fees
  • Utilities, such as electricity, gas, home energy (including firewood and home heating oil), water, and wastewater
  • Internet service
  • Certain home repairs

Not all programs will cover all of the expenses listed here. 

This program will remain available until the funds are used up – check it out today!


Please note that IncredibleBank is not involved with offering the funds, accepting applications for the fund, determining how the funds are disbursed, or anything else related to the fund. If you have questions about the fund, please visit the website.

Visit ncsha.org