Am I Eligible?

Starting February 1, 2022, the Program will begin taking applications from eligible, Pennsylvania homeowners who meet the following criteria:

Homeowner owns and occupies the property as their primary residence

Property is in Pennsylvania

Homeowner has experienced a financial hardship after January 21, 2020 (including a hardship that began before January 21, 2020 and continued after that date)

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

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 ($79,900) 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 ($79,900) 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.

PAHAF will not accept applications in Priority 4 until the Program 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.

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.

To report Fraud, Waste, or Abuse please click here or call 1-800-211-5418.

To report Fraud, Waste, or Abuse please click here or call 1-800-211-5418.

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