Am I Eligible?

The Program will accept applications from eligible, Pennsylvania homeowners who meet the following criteria:

Homeowner owns and occupies the property as their primary residence

Property is located in Pennsylvania

Properties that are eligible for PAHAF are dwellings located in Pennsylvania and that are one- to four-unit residential properties, specifically: Single-family/row home (attached or detached properties); condominium units; cooperatives; and manufactured/mobile homes.

Homeowner has experienced a financial hardship as a result of the COVID-19 pandemic and is seeking assistance with past due mortgage and housing-related expenses incurred since January 1, 2020 (including a hardship that began before January 1, 2020 and continued after that date) and is at least 30 days past due on the mortgage payments and/or housing-related expenses for which they are requesting PAHAF assistance. Note: forward mortgage payment is the only assistance type that does not require a delinquency to be eligible.

Household income is equal to or less than 150% area median income (AMI). Click here to determine your income eligibility for PAHAF and review income prioritization details below
Homeowner’s first mortgage is a conforming loan and meets the federal limits for the year in which the loan was taken. (Please refer to FAQs for further clarification.)
Homeowner cannot receive the same assistance for mortgage payment, mortgage reinstatement, property charges, and/or utility payment from another federal, state, local, nonprofit, or tribal source

See our What’s Covered page for additional eligibility requirements per assistance type.

Income Prioritization for PAHAF

PAHAF is prioritizing homeowners based on US Treasury guidance.

Priority 1

Homeowners with annualized current income of no more than 100% of area median income (AMI) for the relevant household size or 100% of the area median of the United States ($90,000*) whichever is greater and meet the definition of socially disadvantaged.

Priority 2

Homeowners with annualized current income of no more than 100% of area median income (AMI) for the relevant household size or 100% of the area median of the United States ($90,000*) whichever is greater.

Priority 3

Homeowners with annualized current income of no more than 150% of area median income (AMI) for the relevant household size and that meet the definition of socially disadvantaged.

Priority 4

Homeowners with annualized current income of no more than 150% of area median income (AMI) for the relevant household size income.

*The Department of Housing and Urban Development (HUD) updates income limits each year. The most recent update from HUD was published on April 18, 2022. PAHAF will implement the updated income limits with a national AMI of $90,000 for any application received as of May 1, 2022. Applications that were received prior to May 1 will be reviewed in accordance with the prior national AMI income limit of $79,900.

The Program now accepts applications in Priorities 1-3. The Program will begin to accept applications in Priority 4 once it can comply with the U.S. Treasury requirement that not less than 60% of PA funds be made available to households at or below 100% AMI. The Program reserves the right to serve applicants out of priority sequence to maintain efficiency in application processing.

The Application Portal is Now Live

Make sure you have the documents required to apply.

Find out if you meet income requirements for PAHAF, here. To learn more about the Program’s income prioritization, please contact the PAHAF Call Center at (888) 987-2423. Our team is available to assist you Monday through Friday from 8 a.m. to 8 p.m. and Saturday 8 a.m. to 5 p.m.

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To report Fraud, Waste, or Abuse please click here.

To report Fraud, Waste, or Abuse please click here.

©2022 PAHAF

The Pennsylvania Homeowner Assistance Fund is being supported, in whole or in part, by federal award number HAF-0131 awarded to
the Commonwealth of Pennsylvania by the U.S. Department of the Treasury.