The HAF is for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacements of homeowners experiencing financing hardship due to the pandemic, and assistance that promotes housing security. Funds are available until September 30, 2025.
Funds will be distributed based on a formula that considers: the average number of individuals who are unemployed over a time period between 3 to 12 months; the total number of mortgagors with mortgage payments that are more than 30 days past due or mortgages in foreclosure.
Each state, DC, and Puerto Rico received a minimum of $50 M of the $9.39 B; $30 M for territories; $498 M tribes.
ARPA provides that HAF funds are to be used “to mitigate financial hardships associated with the coronavirus pandemic by providing such funds…to eligible entities for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacements of homeowners experiencing financial hardship after January 21, 2020. In addition to the list of “qualified expenses” ARPA provides funds can also be used for “(G) any other assistance to promote housing stability for homeowners, including preventing mortgage delinquency, default, foreclosure, post-foreclosure eviction of a homeowner, or the loss of utility or home energy services, as determined by the Secretary.”
The latest Treasury guidance can be found here. The February 24, 2022 HAF guidance expressly includes legal services under “Qualified Expenses” (see pg. 4, #8):
- “8. counseling or educational efforts by housing counseling agencies approved by HUD, or legal services, targeted to households eligible to be served with funding from the HAF related to foreclosure prevention or displacement, in an aggregate amount up to 5% of the funding from the HAF received by the HAF participant;”
Treasury’s reporting program design elements also expressly includes “Legal Services.”
Administering Federal Agency
U.S. Department of the Treasury
Find Your State/Local Administrator
The National Council of State Housing Agencies maintains a map linking to HAF programs in every state.
Amount of Available Funding
The Homeowner Assistance Fund provides: a minimum of $50 million for each state, the District of Columbia and Puerto Rico; $498 million for Tribes or Tribally designated housing entities and the Department of Hawaiian Home Lands; $30 million for the territories of Guam, American Samoa, the U.S. Virgin Islands, and the Commonwealth of the Northern Mariana Islands.
Funding allocations for states, territories and tribes can be found here.
To find examples of courts and/or their justice partners receiving these funds, click on the PDF.
AmeriCorps State and National Grants
AmeriCorps provides grants to a broad range of local and national organizations and agencies committed to using service to address compelling community issues.
AmeriCorps VISTA program is guided by four core principles: anti-poverty, community engagement, capacity building, and sustainable solutions.
Community Development Block Grant (CDBG)
The CDBG program works to ensure decent affordable housing, to provide services to the most vulnerable in our communities, and to create jobs through the expansion and retention of businesses.
Edward Byrne Memorial Justice Assistance Grant (JAG)
JAG funds awarded to a state or local may be used to support a range of program areas, including law enforcement, prosecution, indigent defense, courts, crime prevention and education…
Emergency Rental Assistance Program (ERAP)
The American Rescue Plan Act built upon the ERAP, is set to reduce evictions by providing an additional $21.6 B in emergency rental assistance for low-income renters who have lost income…
Emergency Solutions Grants (ESG) Program
The Emergency Solutions Grants Program focuses on assisting people to quickly regain stability in permanent housing after experiencing a housing crisis and/or homelessness.
Family Violence Prevention and Services Formula Grants (FVPSA)
The Family Violence Prevention and Services formula grants to states and territories fund more than 1,600 local public, private, nonprofit and faith-based organizations and programs demonstrating…
Homeowner Assistance Fund (HAF)
The HAF is for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacements of homeowners experiencing financing hardship due to…
State and Local Fiscal Recovery Funds (FRF)
FRF is the largest and most flexible source of American Rescue Plan Act funds to help states, counties, cities and Tribal governments cover increased expenditures, replenish lost revenue…
STOP (Services, Training, Officers, and Prosecutors) Violence Against Women Formula Grant
STOP (Services, Training, Officers, and Prosecutors) Violence Against Women Formula Grants are awarded to states to develop and strengthen the criminal justice system’s response…
Title IV-B – State Court Improvement Program (CIP)
The State Court Improvement Program is for children and families who need assistance in order to keep their families together.
Title IV-D – Child Support and Establishment of Paternity
The child support program serves over 17 million children, and provides information to pro se parents helping ensure that parents understand the child support process, know what to expect…
Title IV-E – Federal Payments for Foster Care and Adoption Assistance
The Federal Foster Care Program helps to provide safe and stable out-of-home care for children until the children are safely returned home, placed permanently with adoptive families…
Victims of Crime Act (VOCA) Victim Assistance Formula Grants
VOCA provides funding to groups and direct services for victims, such as domestic violence shelters, legal support, faith-based organizations, and child abuse organizations.