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Struggling to pay mortgage payments, property charges, and/or utility payments? The Homeowner Assistance Fund provides assistance to eligible homeowners who have experienced a financial hardship during the COVID pandemic.

Help for Homeowners

The Homeowner Assistance Fund (HAF) provides financial assistance for New Hampshire homeowners who cannot pay their home mortgage, utilities, home insurance, association fees, and/or property taxes during the pandemic. The program is expected to be available through at least 2022.

HAF 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 (GOFERR). It is administered by New Hampshire Housing, who will be accepting and processing applications.

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.

HAF covers:

  • Mortgage Loan Reinstatement - maximum benefit $20,000*
  • Property Charges Default Resolution - maximum benefit $20,000*
  • Utility/Internet Payment Assistance - maximum benefit $3,000*

*Total assistance per households is $20,000 for all programs combined

This program is for homeowners, not renters or landlords. The federal New Hampshire Emergency Rental Assistance program (NHERAP), provides assistance to renters and landlords impacted by the COVID-19 pandemic. If you are a renter or landlord, you can learn more about NHERAP HERE.

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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