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Are you behind in paying your mortgage, property charges, and/or utility payments? The Homeowner Assistance Fund Program provides assistance to eligible homeowners who have experienced a financial hardship during the COVID-19 public health crisis.

Check Your Eligibility here.

Help for Homeowners


The NH Homeowner Assistance Fund 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.

It is a federally funded homeowner assistance program through the American Rescue Plan Act of 2021 and the Governor’s Office for Emergency Relief and Recovery. It is administered by New Hampshire Housing.

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.

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.

The NH Homeowner Assistance Fund covers:

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

*Total maximum assistance per household is $40,000

Mortgage Assistance Requests:

  • If you require help with past-due mortgage payments, the completion of a request for mortgage assistance through your servicer (known as “loss mitigation”) will be required
  • Loss mitigation is a borrower's request to their loan servicer for mortgage assistance and includes information required for evaluation of that request.
  • CLICK HERE for more details on acceptable loss mitigation documentation and exceptions.
  • Contact AHEAD for assistance with loss mitigation: 800-974-1377 ext. 1014

We're here to help

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

Call: AHEAD, Inc. at (800) 974-1377 ext. 1014 Visit AHEAD, Inc.

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