What’s Covered?

The PAHAF program provides assistance for the following mortgage and housing-related expenses, to address mortgage delinquencies and avoid default, foreclosure, and displacement as a result of COVID-19 pandemic related financial hardships. The maximum amount of assistance for any homeowner under the PAHAF is $50,000 as of October 28, 2022. As of the launch of the full program on February 1, 2022, each type of PAHAF assistance can only be received once per household. Applicants for all types of assistance except for forward mortgage must be at least 30 days past due on the mortgage payments and/or housing-related expenses for which they are requesting PAHAF assistance to qualify.

    Mortgage Reinstatement

    Provides funds to bring a first mortgage current and to pay other housing-related costs, such as taxes and insurance, if included in the mortgage payment, related to a period of forbearance, delinquency, or up to the maximum per household assistance cap of the lesser of $50,000. Note: PAHAF does not cover payments for principal reductions on completed loan modifications or partial claims. PAHAF also does not cover balloon payments.

      Forward Mortgage Payment

      Provides forward payment assistance for up to 6 months or until the maximum per household assistance cap of the lesser of $50,000. This program is now available as a standalone option – mortgage reinstatement is not required to qualify. As a standalone option, mortgage payments cannot be delinquent to be eligible. To qualify for forward mortgage payment assistance, homeowners must have a debt to housing expense ratio of 40% or more. Income documentation will be required for forward paying mortgage assistance.

        Property Charges

        Provides funds for past due property taxes, reverse mortgage insurance premiums, homeowner association (HOA) fees, condominium fees, or common charges that put ownership of the property at-risk including mortgage foreclosures and displacement of homeowners. Maximum assistance falls under the maximum cap of $50,000 and

        • $14,000 for delinquent property taxes
        • $3,000 for delinquent insurance premiums
        • $5,000 for delinquent homeowner/condominium fees

          Delinquent Utilities

          Provides funds to resolve delinquent payments for utility services, including electric, heating/fuel, water, and/or sewer bills, and other related utility costs, particularly for those utility bills where no program currently exists in the Commonwealth, and that there is imminent loss of utility disconnection, liens, possible foreclosure, or homeowner displacement. Utility assistance may be available in combination with mortgage reinstatement and mortgage payment assistance or as a standalone option for homeowners without a mortgage. The maximum utility assistance is capped at $10,000.

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            ©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.