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The number of applicants we can accept based on funds made available by the U.S. Treasury has been met and all funds have been disbursed. The NH Homeowner Assistance Fund program and application portal are closed. For questions regarding this program please contact AHEAD, Inc. at 603-444-1377, option 2, or hoc@homesahead.org.

Help for Homeowners

The NH Homeowner Assistance Fund (NH HAF) program provides assistance to New Hampshire homeowners who have been affected in any way by an increase in expenses or a reduction in income as a result of the COVID-19 public health crisis.

The NH Homeowner Assistance Fund is a temporary relief program. It is a federally funded program through the NH Governor’s Office for Emergency Relief and Recovery and is administered by New Hampshire Housing. The program is being supported, in whole or in part, by a federal award number HAF0014 awarded to the State of New Hampshire by the U.S. Department of the Treasury under the Homeowner Assistance Fund established by Section 3206 of the American Rescue Plan Act of 2021, Pub. L. No. 117-2.


PHASE 1 - 3/8/22 to 12/14/23
Applications were accepted and reviewed as received. This phase was active through December 14, 2023.

PHASE 2 - 12/15/23 to 3/8/24
Applications received on or after December 15, 2023 will be held and not processed until it is determined if sufficient program funds remain.  If funds are available, these applications will be reviewed on a first-come, first-served basis until funds are exhausted. All applications subject to eligibility review.

PHASE 3 (ACTIVE) - 3/8/24
The NH HAF program is no longer accepting applications as of Friday, March 8, 2024. Applications submitted prior to this date were held on a waitlist and reviewed on a first-come, first-served basis. All applications have been completed and all funds have been disbursed.

Eligible homeowners must:

  • Have experienced a COVID related reduction in income or increase in household expense after January 21, 2020.
  • Own and occupy the property as their primary residence.
  • Have incomes of less than 125% of Area Median Income.

NH Homeowner Assistance Fund provides financial assistance for past-due bills only. No forward assistance is currently available. Reimbursements are not available through the NH Homeowner Assistance Fund.

If applying for mortgage assistance, your mortgage amount at origination must be below conforming loan limits. This will be verified during processing. For reference, loans that originated in 2020 in Hillsborough County, the conforming loan limit is $510,400.

The NH Homeowner Assistance Fund covers:

  • Mortgage Loan Reinstatement - maximum benefit $40,000*
  • Property Charges Default Resolution - maximum benefit $40,000*
  • Utility Payment Assistance - maximum benefit $5,000*

*Total maximum assistance per household is $40,000

New Hampshire Housing has contracted with a full-service vendor, Speridian Technologies, LLC, along with their sub-contracted case management vendor, Tidal Basin Group. RCL Consulting is coordinating the on-boarding process for mortgage servicers. Correspondence from these entities can be trusted and will be sent to you on behalf of the NH Homeowner Assistance Fund program.

We're here to help

Need help applying, or want to talk with a community navigator?

Call: AHEAD, Inc. at (800) 974-1377, Option 2 Visit AHEAD, Inc.