What’s Covered?

The PAHAF program will provide assistance for the following mortgage and housing-related expenses to help prevent mortgage delinquencies, default, foreclosure, and displacement. The maximum amount of assistance for any homeowner under the PAHAF is $30,000 or up to 24 months of assistance.

    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 $30,000 or 24 months

      Forward Mortgage Payment

      Provides forward payment assistance for up to 6 months or until the maximum per household assistance cap of the lesser of $30,000 or 24 months is reached. This program element is only available to homeowners who also qualify for mortgage reinstatement assistance and is not available as a standalone option.

        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 $30,000 or 24 months and

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

          Delinquent Utilities

          Provides funds to resolve delinquent payments for utility services, 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. As a standalone option, the maximum utility assistance is capped at 24 months or $3,000.

            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.

            ©2021 PAHAF