Assistance program
Homeowner Assistance Fund
$9.9 Billion committed in FY2021–FY2026
- Agency
- Departmental Offices, Treasury, Department of the
- Assistance
- Not Applicable
- CFDA number
- 21.026
- What it does
- Section 3206 of the American Rescue Plan Act of 2021, (the “Actâ€), Pub. L. No. 117-2 (March 11, 2021) established the $9.961 billion Homeowner Assistance Fund (“HAFâ€). Under HAF, Treasury is authorized to make payments directly to States (defined to include the District of Columbia, the Commonwealth of Puerto Rico, the United States Virgin Islands, Guam, the Commonwealth of the Northern Mariana Islands, and American Samoa), the Department of Hawaiian Home Lands (DHHL), and Indian Tribes or their Tribally designated housing entities, as applicable (collectively the “eligible entitiesâ€) to mitigate financial hardships associated with the coronavirus pandemic, including 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, through qualified expenses related to mortgages and housing. States, the District of Columbia, and U.S. Territories were required to request HAF funding from Treasury no later than April 25, 2021, which was 45 days after enactment of the Act, in order to receive an award under the HAF program. Tribes or their Tribally designated housing entities, as applicable, and the DHHL were required to request HAF funding from Treasury by December 15, 2021, to receive an award under the HAF program. No new awards are being made but existing projects are still active.
- Who benefits
- Eligible entities may use HAF funds to provide assistance to eligible homeowners. Homeowners are eligible to receive amounts allocated to a HAF Participants under the HAF if they experienced a financial hardship after January 21, 2020 and have incomes equal to or less than 150% of the area median income. A HAF Participants may provide HAF funds only to a homeowner with respect to qualified expenses related to the dwelling that is such homeowner’s primary residence. HAF Participants must require homeowners to attest that they experienced financial hardship after January 21, 2020. The attestation must describe the nature of the financial hardship (for example, job loss, reduction in income, or increased costs due to healthcare or the need to care for a family member)More information on income determinations is included in the HAF Guidance document at https://home.treasury.gov/system/files/136/HAF-Guidance.pdf
- Who applies
- Includes some State-recognized Indian Tribes
- Authorized by
- Public Law 117-2; 15 U.S.C. 9058d U.S.C. § 9058d
Committed by fiscal year
* FY2026 is year-to-date — the fiscal year is still in progress, so its total is still filling in. The striped band and dashed line mark that provisional stretch.
Top recipients
By dollars committed.
How to read these numbers
- Committed through this program
Money committed under this assistance listing (its CFDA program), counted in the year each action happened.
- How it's paid
Most programs pay out one way — a grant, or a direct payment to individuals; the flow bar only appears when a program genuinely mixes types.
- Some recipients aren't itemized
For entitlement programs like Social Security and Medicare, the government reports one aggregate instead of naming tens of millions of people, so the recipient roster isn't part of the public record.
- Awards, counted once
An award count is the number of distinct awards with at least one action that year — each counted once, however many times it was amended.
- The colored bars
Every bar on this page splits by how the money moves:
Direct payments