Am I Eligible?

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

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Homeowner owns and occupies the property as their primary residence.

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Property is in Pennsylvania.

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Homeowner has experienced a financial hardship as a result of the COVID-19 pandemic since January 21, 2020, and is seeking assistance with past due mortgage and housing-related expenses. This can include a qualified financial hardship that began before January 21, 2020 and continued after that date.

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Homeowner is at least 30 days past due on the mortgage payments and/or housing-related expenses for which they are requesting PAHAF assistance, except for forward mortgage assistance, for which, as a standalone option, mortgage payments cannot be delinquent to receive funding.

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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.

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Homeowner’s first mortgage must have been, at the time of origination, not greater than the Fannie Mae/Freddie Mac conforming loan limit in effect at the time of loan origination.

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Homeowner has not already received or applied for assistance for mortgage payment, mortgage reinstatement, property charges, and/or utility payment from another federal, state, local, nonprofit, or tribal source.

ATTENTION: If you are a PA homeowner who has applied and registered for PAHAF assistance and you are facing an adverse action such as foreclosure, sheriff sale, or utility shut off, please make sure your application notes that action and notify the PAHAF Call Center immediately at 888-987-2423 so that the program can prioritize your application, determine eligibility and disburse approved funds that may prevent the action.

If you’re an existing PAHAF applicant who hasn’t re-registered, there are 2 simple ways to do so.

Already submitted your PAHAF application? To process your application, please take a few minutes to re-register on our new software system and review your information. See Re-Registration Instructions.