The Homeowner Assistance Fund (HAF) provides funding to government entities to assist homeowners who have been financially impacted by COVID-19 to pay their mortgage and other qualified expenses related to mortgages and housing.
These programs are often offered through the state or territory’s housing finance agencies or through Tribally Designated Housing Entities (TDHEs).
HOW HOMEOWNER ASSISTANCE FUNDING WORKS
Treasury is authorized under the American Rescue Plan to provide a HAF award to:
- U.S. Territories
- Tribes or their TDHEs
- Department of Hawaiian Home Lands (DHHL)
HAF programs distribute assistance to eligible homeowners to cover qualified expenses related to mortgages and housing.
Depending on the program, homeowners may use the HAF assistance for expenses such as, mortgage payments (including past-due payments), property taxes, homeowner’s insurance, homeowners’ association fees, utilities (such as, electricity, gas, home energy, water, and wastewater), internet service, and certain home repairs.
Find out more information about how HAF programs work on the interagency housing portal hosted by the Consumer Financial Protection Bureau (CFPB).
View information about how to connect with homeowner assistance near you.
CIVIL RIGHTS COMPLAINTS
To file a program discrimination complaint about a Homeowner Assistance Fund, send your complaint to:
1500 Pennsylvania Ave, N.W.
Washington, DC 20220
What the Department of the Treasury will do to ensure nondiscrimination
The Department of the Treasury will conduct investigations of civil rights complaints of discrimination based on race, color, national origin, disability, age, or sex, filed against recipients of financial assistance under any of its financial assistance programs. If discrimination or noncompliance is found, the Department of the Treasury can defer action on an application for federal financial assistance, issue a cautionary letter, or as an ultimate consequence deny funding. Independently of any possible actions to be taken by the Department of the Treasury, courts have interpreted that Title VI of the Civil Rights Act and other applicable federal civil rights statutes provide a private right of action.
REPORT FRAUD, WASTE, AND ABUSE
To report fraud, waste, or abuse related to the HAF programs, please click on the following link to Treasury Office of Inspector General (OIG).
FUNDING TO STATES, LOCAL, TERRITORIAL, AND TRIBAL GOVERNMENTS
The purpose of the Homeowner Assistance Fund (HAF) is to prevent mortgage delinquencies and defaults, foreclosures, loss of utilities or home energy services, and displacement of homeowners experiencing financial hardship after January 21, 2020.