Pennsylvania Housing Finance Agency - Homeowner Assistance Fund (PAHAF)
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Eligibility
A) Homeowner owns and occupies the property as their primary residence;
B) Property in Pennsylvania
C) Homeowner has experienced a financial hardship as a result of the COVID-19 pandemic since January 21, 2020, and is seeking assistance with past due mortgage and housing-related expenses. This can include a qualified financial hardship that began before January 21, 2020 and continued after that date
D) Homeowner is at least 30 days past due on the mortgage payments and/or housing-related expenses for which they are requesting PAHAF assistance, except for forward mortgage assistance, for which, as a standalone option, mortgage payments cannot be delinquent to receive funding
E) Household income is equal to or less than 150% area median income (AMI)
F) Homeowner’s first mortgage must have been, at the time of origination, not greater than the Fannie Mae/Freddie Mac conforming loan limit in effect at the time of loan origination
G) Homeowner has not already received or applied for assistance for mortgage payment, mortgage reinstatement, property charges, and/or utility payment from another federal, state, local, nonprofit, or tribal source.
Hours
Monday through Friday, 8:00am to 8:00pm
Saturday, 8:00am to 5:00pm
Application process
Call or fill out online application.
Fees
Services free of charge
Service area
PA
Description
Provides 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.
Providing organization
Pennsylvania Housing Finance Agency
Works to provide affordable homeownership and rental apartment options for older adults, low- and moderate-income families, and people with special housing needs. Promotes economic development across the state.