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Assistance Listings
Homeowner Assistance Fund

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Note: This Assistance Listing was not updated by the issuing agency in 2025. Please contact the issuing agency listed under "Contact Information" for more information.

Assistance Listing
Popular Name
HAF
Sub-tier
DEPARTMENTAL OFFICES
Assistance Listing Number
21.026
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Overview

Objectives

Section 3206 of the American Rescue Plan Act of 2021, (the “Act”), Pub. L. No. 117-2 (March 11, 2021) established the $9.961 billion Homeowner Assistance Fund (“HAF”). Under HAF, Treasury is authorized to make payments directly to States (defined to include the District of Columbia, the Commonwealth of Puerto Rico, the United States Virgin Islands, Guam, the Commonwealth of the Northern Mariana Islands, and American Samoa), the Department of Hawaiian Home Lands (DHHL), and Indian Tribes or their Tribally designated housing entities, as applicable (collectively the “eligible entities”) to mitigate financial hardships associated with the coronavirus pandemic, including for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacements of homeowners experiencing financial hardship after January 21, 2020, through qualified expenses related to mortgages and housing. States, the District of Columbia, and U.S. Territories were required to request HAF funding from Treasury no later than April 25, 2021, which was 45 days after enactment of the Act, in order to receive an award under the HAF program. Tribes or their Tribally designated housing entities, as applicable, and the DHHL were required to request HAF funding from Treasury by December 15, 2021, to receive an award under the HAF program. No new awards are being made but existing projects are still active.

Examples of Funded Projects

Fiscal Year 2024: Pursuant to Section 3206I(1) of the Act, HAF Participants may use HAF funds to provide homeowners with the following assistance: mortgage payment assistance; financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing related costs related to a period of forbearance, delinquency, or default; principal reduction; facilitating interest rate reductions; payment assistance for (i) utilities, including electric, gas, home energy, and water; (ii) internet service, including broadband internet access service, as defined in 47 CFR 8.1(b) (or any successor regulation); (iii) homeowner’s insurance, flood insurance, and mortgage insurance; and (iv) homeowner’s association fees or liens, condominium association fees, or common charges; reimbursement of funds expended by certain entities during the period beginning on January 21, 2020, and ending on the date that the first funds are disbursed by the eligible entity under the HAF, for the purpose of providing housing or utility payment assistance to homeowners or otherwise providing funds to prevent foreclosure or post-foreclosure eviction of a homeowner or prevent mortgage delinquency or loss of housing or utilities as a response to the COVID pandemic; and any other assistance to promote housing stability for homeowners, including preventing mortgage delinquency, default, foreclosure, post-foreclosure eviction of a homeowner, or the loss of utility or home energy services, as determined by the Secretary For Example: One HAF Participant’s Mortgage Payment Assistance program will assist eligible homeowners with a financial hardship related to the COVID-19 pandemic by eliminating past due payments and other delinquent amounts including, forbearance balances, forward mortgages, reverse mortgages, loans secured by manufactured homes, or contracts for deed. Another HAF Participant’s Homeowner Payment Assistance program provides full or partial payment assistance to eligible homeowners unable to make full mortgage payments or other homeowner related payments, due to a continuing financial hardship associated with the Coronavirus pandemic. HAF funds may be used to reduce a homeowner’s monthly mortgage or loan payments and other homeowner related payments for a period up to 12 months or until the maximum amount of assistance is reached. HAF funds may be used for mortgage assistance and for property charges, including property taxes, hazard insurance premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, planned unit development fees, homeowners’ association fees or utilities that the servicer advanced to protect lien position. Payment may also include any reasonably required legal fees. HAF funds may be used to supplement other loss mitigation measures offered by the servicer or where HAF funds are necessary for the homeowner to qualify for other such loss mitigation measures. Additional examples of funded projects may be found at https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund/plans

Assistance Listing Description

Section 3206 of the American Rescue Plan Act of 2021 (the “Act”), Pub. L. No. 117-2 (March 11, 2021) established the Homeowner Assistance Fund and provides $9.961 billion for the U.S. Department of the Treasury (“Treasury”) to make payments to States (defined to include the District of Columbia, the Commonwealth of Puerto Rico, U.S. Virgin Islands, Guam, Northern Mariana Islands, and American Samoa), Indian Tribes or their Tribally designated housing entities, as applicable, and the Department of Hawaiian Home Lands (collectively the “eligible entities”) to mitigate financial hardships associated with the coronavirus pandemic, including for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacements of homeowners experiencing financial hardship after January 21, 2020, through qualified expenses related to mortgages and housing. Section 3206(d) of the Act prescribes that the funding must be allocated as follows: (1) $30 million reserved for making payments to U.S. Virgin Islands, Guam, Northern Mariana Islands, and American Samoa; (2) $498 million reserved for making payments to the Department of Hawaiian Home Lands (DHHL) and Indian Tribes, or the tribally designated housing entity, as applicable; and (3) the remainder allocated to the 50 States, the District of Columbia, and Puerto Rico. Each State, the District of Columbia, and Puerto Rico will receive a minimum payment of $50 million. Amounts that will be paid to States, the District of Columbia, and Puerto Rico are based on homeowner need as it relates to unemployment and mortgage delinquencies or mortgage foreclosures in those jurisdictions. Amounts paid to U.S. Territories (excluding Puerto Rico) are based on share of population and amounts paid to Tribal entities are based on a formula under section 3206(f) of the Act.

Authorizations

Title American Rescue Plan Act of 2021, Title III, Subtitle B, Section 3206, Public Law 117-2, 15 U.S.C. 9058d US Code 9058d

Financial Information

These funding amounts do not reflect the award amounts that are displayed on USASpending.gov
Obligation(s)FY 23FY 24 (est.)FY 25 (est.)
Direct Payments for Specified Use Total$29,938,136$493,530$0
Payments to Territories (U.S. Virgin Islands, Guam, Northern Mariana Islands, and American Samoa)$0$0$0
Payments to Tribes and DHHL$29,938,136$493,530$0
Payments to States (50 States, the District of Columbia, and Puerto Rico)$0$0$0
Totals$29,938,136$493,530$0

Range and Average of Financial Assistance

Not Applicable. No new awards in FY 2025

Accomplishments

Fiscal Year 2024: As of quarter 2 FY 2024, HAF Participants reporting data indicated 535,380 “Homeowners Assisted” and more than $7.995 Billion in program expenditures toward homeowner expenses. More detailed HAF reporting data may be found at https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund/reporting

Account Identification

20-0124-0-1-604

Criteria for Applying

Types of Assistance

C - Direct Payments for Specified Use

Credentials and Documentation

No Credentials or Documentation are required.
2 CFR 200, Subpart E - Cost Principles applies to this program.

Applicant Eligibility

Designations

State, Local (includes State-designated lndian Tribes, excludes institutions of higher education and hospitals, State (includes District of Columbia, public institutions of higher education and hospitals), Federally Recognized lndian Tribal Governments

Includes some State-recognized Indian Tribes

Beneficiary Eligibility

Designations

Individual/Family, Low Income, Unemployed

Eligible entities may use HAF funds to provide assistance to eligible homeowners. Homeowners are eligible to receive amounts allocated to a HAF Participants under the HAF if they experienced a financial hardship after January 21, 2020 and have incomes equal to or less than 150% of the area median income. A HAF Participants may provide HAF funds only to a homeowner with respect to qualified expenses related to the dwelling that is such homeowner’s primary residence. HAF Participants must require homeowners to attest that they experienced financial hardship after January 21, 2020. The attestation must describe the nature of the financial hardship (for example, job loss, reduction in income, or increased costs due to healthcare or the need to care for a family member)More information on income determinations is included in the HAF Guidance document at https://home.treasury.gov/system/files/136/HAF-Guidance.pdf

Length and Time Phasing of Assistance

Treasury made direct payments to States, the District of Columbia, and U.S. Territories that request funding by April 25, 2021. If a State, the District of Columbia, or U.S. Territory did not request allocated funds by April 25, 2021 (the 45th day after enactment of the Act), Treasury is authorized to reallocate any funds that were not requested no later than 180 days after March 11, 2021. Funds are provided under the HAF program for FY 2021are to remain available to Treasury to provide funding to eligible entities until September 30, 2025. Tribes or their Tribally designated housing entities, as applicable, and the Department of Hawaiian Home Lands must request funding from Treasury by December 15, 2021, to receive an award under the HAF program. The period of performance for all HAF Participants ends on September 30, 2026. Method of awarding/releasing assistance: Other

Use of Assistance

Designations

Housing, Income Security/Social Service/Welfare

HAF Participants may use funding from their HAF awards only for the following types of qualified expenses that are for the purpose of preventing homeowner mortgage delinquencies, homeowner mortgage defaults, homeowner mortgage foreclosures, homeowner loss of utilities or home energy services, and displacements of homeowners experiencing financial hardship. Additional information on qualified expenses can be found at https://home.treasury.gov/system/files/136/HAF-Guidance.pdf

Applying for Assistance

Deadlines

Deadlines do not apply. Application period is closed. No longer accepting new applications.

Preapplication Coordination

Preapplication coordination is not applicable. Environmental impact information is not required for this program. This program is excluded from coverage under E.O. 12372.

Application Procedures

2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards applies to this program.

Application period is closed. No longer accepting new applications.

Criteria for Selecting Proposals

Not Applicable. No new awards will be made in FY 2025.

Award Procedure

Not Applicable. No new awards will be made in FY 2025.

Date Range for Approval/Disapproval

Not Applicable. No new awards.

Renewals

Not Applicable. No new awards.

Appeals

Not Applicable. No new awards.

Compliance Requirements

Policy Requirements

The following 2CFR policy requirements apply to this assistance listing:

Subpart B, General provisions

Subpart C, Pre-Federal Award Requirements and Contents of Federal Awards

Subpart D, Post Federal; Award Requirements

Subpart E, Cost Principles

Subpart F, Audit Requirements

The following 2CFR policy requirements are excluded from coverage under this assistance listing:

Not Applicable

Additional Information: The following 2 CFR Policy requirements also apply to this assistance listing: 2 CFR Part 25, Universal Identifier and System for Award Management; 2 CFR Part 170, Reporting Subaward and Executive Compensation Information; and 2 CFR Part 180, OMB Guidelines to Agencies on Governmentwide Debarment and Suspension (Non-procurement). The following 2 CFR Policy requirements are excluded from coverage under this assistance listing: For 2 CFR Part 200, Subpart C, the following provisions do not apply to the HAF program: 2 CFR § 200.204 (Notices of Funding Opportunities); 2 CFR § 200.205 (Federal awarding agency review of merit of proposal); and 2 CFR § 200.215 (never contract with the enemy). For 2 CFR Part 200, Subpart D, the following provisions do not apply to the HAF program: 2 CFR § 200.304 (bonds); 2 CFR § 200.306 (cost sharing or matching); 2 CFR § 200.309 (modifications to period of performance); 2 CFR § 200.310 (insurance coverage); 2 CFR § 200.311 (real property); 2 CFR § 200.312 (Federally-owned and exempt property); 2 CFR § 200.316 (property trust relationship); 2 CFR § 200.320(c)(4) (noncompetitive procurement),2 CFR § 200.326 (bonding requirements); and 2 CFR § 200.330 (reporting on real property).

Reports

Program Reports: HAF Participants will be required to submit quarterly reports to Treasury that include financial data, targeting data, and other information. HAF Participants will also be required to submit an annual program report to Treasury regarding the impact of the HAF program. Tribes or their Tribally designated housing entities that received allocations less than $5 million will be required to submit quarterly and annual reports on an annual basis.

Audits

Refer to the link below for 2 CFR Subpart F Audit Requirements.
https://www.ecfr.gov/current/title-2/subtitle-A/chapter-II/part-200/subpart-F

Records

HAF Participants must comply with record-retention obligations specified in the HAF Financial Assistance Agreement. Generally, a HAF Participant must maintain records and financial documents for five years after all award funds have been expended or returned to Treasury.

Regulations, Guidelines, and Literature

HAF program guidance is available on Treasury’s website: https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund/guidance.

Formula and Matching Requirements

Statutory formula is not applicable to this assistance listing.
Matching requirements are not applicable to this assistance listing.
MOE requirements are not applicable to this assistance listing.

Contact Information

Regional or Local Locations:

None.

Headquarters Office:

United States Department of the Treasury Attn: Homeowner Assistance Fund
1500 Pennsylvania Avenue NW,
Washington, DC 20220
HAF@treasury.gov
202.622.2000
Website: https://home.treasury.gov/policy-issues/coronavirus/assistance-for-state-local-and-tribal-governments/homeowner-assistance-fund

History

  • 2024Published

    Homeowner Assistance Fund

  • 2023Published

    Homeowner Assistance Fund

  • 2022Published

    Homeowner Assistance Fund

  • 2021Published

    Homeowner Assistance Fund

  • 2021Published

    Homeowner Assistance Fund

  • 2021Published

    Homeowner Assistance Fund