U.S. Department of the Treasury
Homeowners can find out what homeowner assistance covers, how it works, and who’s eligible on the interagency housing portal hosted by the Consumer Financial Protection Bureau (CFPB).
Homeowner Assistance Fund
The Homeowner Assistance Fund (HAF) authorized by the American Rescue Plan Act, provides $9.961 billion to support homeowners facing financial hardship associated with COVID-19. HAF funds were distributed to states, U.S. Territories, and Indian Tribes. Funds from HAF may be used for assistance with mortgage payments, homeowner’s insurance, utility payments, and other specified purposes.
Through 2022, HAF-funded programs have assisted over 230,000 homeowners, helping to prevent mortgage delinquencies and defaults, foreclosures, losses of utilities and home energy services, and displacement. In 2022, foreclosure filings were significantly lower than in any pre-pandemic year with available data. Data also show that very low-income homeowners, homeowners of color, and female homeowners have received a majority of HAF assistance.
Find homeowner assistance
View information about how to connect with homeowner assistance near you.
Questions?
Program recipients with questions about reporting, technical issues, eligible uses of funds, or other items visit the self-service resources.
Self-Service Resources
Treasury offers a variety of resources to support successful HAF program implementation and increase program transparency.
- Strategic Outreach
- Determining Eligibility with Fact Specific Proxies
- Income Verification
- Coordinating with Servicers
RECENT UPDATES
August 2024
- Guidance: On May 30, OMB published the Compliance Supplement. To view the relevant section on the Treasury website please see the 2024 HAF Compliance Supplement.
July 2024
- HAF Self-Service Resource: On July 17, Treasury updated the HAF Self-Service Resource.
June 2024
- Reporting:On June 26, 2024, Treasury released HAF Quarterly Compliance Data through Q1 2024.
May 2024
- Reporting Resource (Tribes): On April 26, ID.Me published a Tribal User Guide for identification verification.
April 2024
- Guidance (Tribal Resources): On April 2, Treasury published a resource on Subrecipient Monitoring and Management for Tribal Entities.
March 2024
- Reporting (Closeout): On March 27, 2024, Treasury published the HAF Closeout Reporting User Guide
- Promising Practice (Closeout): On March 27, 2024, Treasury published HAF Closeout Promising Practices to share strategies to help ensure that the process goes smoothly and sets up homeowners and other partners for success in the future.
- Blog: On March 19, 2024, Treasury published the blog post HAF at Three-Years Old: Building on Lessons Learned from HHF.
- Reporting: On March 19, 2024, Treasury released HAF Quarterly Compliance Data through Q4 2023.
February 2024
- Reporting (Closeout): On February 1, 2024, Treasury released the HAF Closeout Resource which provides an overview of HAF closeout processes.
- Reporting: On February 1, Treasury released HAF Quarterly Compliance Data through Q3 2023.
January 2024
- Reporting: The portal is now open for the HAF Q4 2023 Quarterly Report, due February 15, 2024. Treasury published updates to the HAF Guidance on Participant Compliance and Reporting Responsibilities, Homeowner Assistance Fund Reporting FAQs & HAF Quarterly Report User Guide.
December 2023
- Allocations (Tribes): On December 6, Treasury published an updated list of Tribes and Tribally designated housing entities participating in HAF.
November 2023
- HAF Self-Service Resource: On November 3, Treasury updated the HAF Self-Service Resource.
- Reporting (Tribes): On November 3, Treasury published a recorded webinar providing an overview of Tribal Government’s HAF Quarterly and Annual Reporting slides.
October 2023
- Reporting (Notice): The portal is now open for the HAF Q3 2023 Quarterly Report and the HAF Annual Report. All HAF participants are required to submit the Annual Report and the Q3 Quarterly Report. This will be the second Quarterly Report for Tribal Governments with allocations under $5 million and the Department of Hawaiian Home Lands. Both Reports are due November 15, 2023.
- Reporting (Tribes): On October 16, Treasury published a resource supporting Tribal Governments submitting the HAF Quarterly and Annual Reports.
- Reporting: On October 16, Treasury released HAF Quarterly Compliance Data through Q2 2023 and Press Release.
- Promising Practices: On October 16, Treasury published a resource to assist local, state, territorial, and Tribal governments in effectively using American Rescue Plan funds to help more households stay in their homes.
September 2023
- Guidance: On September 12, Treasury posted the Office of Recovery Program’s Conflict of Interest FAQs
- Guidance (Tribal Resources): On September 1, Treasury published a recorded webinar on Single Audit Compliance for Tribal Entities.
August 2023
- Promising Practices: On August 9, Treasury published a resource to support HAF Programs with Expanding HAF Uses of Funds.
July 2023
- Reporting: On July 14, Treasury published updates to the Homeowner Assistance Fund Reporting FAQs
- Guidance (Tribal Resources): On July 12, Treasury published a resource on Single Audit Compliance for Tribal Entities.
- Reporting: On July 7, Treasury released HAF Quarterly Compliance Data through Q1 2023 and Press Release.
- Program and Service Design: On July 3, Treasury published a resource to support HAF Programs with Online Application Improvements.
June 2023
- Allocations (Tribes): On June 27, Treasury published the list of Tribes and Tribally designated housing entities participating in HAF.
- Guidance: On June 12, Treasury published updated HAF guidance with additional information regarding qualified expenses.
May 2023
- Guidance: On May 19, OMB published the Compliance Supplement. To view the relevant section on the Treasury website please see the 2023 HAF Compliance Supplement
- Program and Service Design: On May 15, Treasury published a resource to support HAF Programs with Strategies for Determining Eligibility of Homeowners Based on Income.
April 2023
- Reporting: On April 7, Treasury released HAF Quarterly Compliance Data through Q4 2022 and Overview.
- Reporting: On April 7, Treasury published updates to the Homeowner Assistance Fund Reporting FAQs
- Promising Practices/Program Service & Design: On April 5, Treasury published resources to support HAF Programs with Strategic Outreach to Homeowners and Income Verification Approaches. Additionally, an example of a COVID-19 Pandemic Impact Questionnaire was also published.
- Allocations (Tribes): On April 3, Treasury published instructions for Tribes to access allocation adjustment funds.
March 2023
- Guidance (Tribes): On March 7, Treasury published updated HAF guidance that clarifies certain requirements for certain tribes and tribal entities.
February 2023
- Allocations (Tribes): On February 14, Treasury published the HAF Tribal Allocation Adjustment Overview.
- Reporting: On February 10, 2023 Treasury released HAF Quarterly Compliance Data through Q3 2022 and Overview.
January 2023
- Reporting: Treasury published updates to the Homeowner Assistance Fund Reporting FAQs
December 2022
- Reporting: On December 2, 2022 Treasury released HAF Quarterly Compliance Data through Q2 2022 and Overview.
November 2022
- Promising Practices: Treasury published a resource to support HAF Programs Collaborate with Servicers on November 18, 2022.
- Reporting (Tribes): Treasury published a resource supporting Tribal Governments submitting the HAF Quarterly and Annual Reports.
October 2022
- Guidance Resources (Tribes): Treasury published resources to support Tribal Governments submitting HAF Plans including a recording and slides.
- Reporting: Treasury published updates to the Homeowner Assistance Fund Reporting FAQs & HAF Quarterly Report User Guide, and has published the HAF Annual Report User Guide.
- Reporting (Notice): The portal is now open for the HAF Q3 2022 Quarterly Report and the first HAF Annual Report. All HAF participants are required to submit the Annual Report and the Q3 Quarterly Report. This will be the first Quarterly Report for Tribal Governments with allocations under $5 million and the Department of Hawaiian Home Lands. Both Reports are due November 15, 2022.
August 2022
- Guidance: Treasury updated HAF Guidance on August 8, 2022 to provide additional guidance on the reimbursement of certain qualified expenses.
July 2022
