Homeowner Assistance Fund


There are now COVID emergency housing resources specifically for homeowners. Any homeowner who seeks to apply to the emergency rental assistance programs (RAFT, ERAP) will now be directed to massmortgagehelp.org.


The Massachusetts Homeowner Assistance Fund – Mass HAF – is now available to homeowners that are at least 3 months behind on their mortgage payments because of the COVID-19 pandemic. Mass HAF is a state program that provides mortgage relief - it is a grant not a loan; homeowners do not have to pay it back. If your application is approved, funds are provided to your mortgage servicer (the company that collects your mortgage payments). For more information, review the attached HAF flyer in English, Spanish, and Portuguese. The flyer is also available in additional languages (Vietnamese, Chinese, Russian, Khmer, and Haitian Creole) at masshousing.com/HAF.


Check if you’re eligible for Mass HAF by completing a short online pre-screener.


You may be eligible for Mass HAF if you:

· Own AND live in live in a single-family home, condominium or 2- 3- or 4-family home located in Massachusetts.

· Lost income or your living expenses went up on or after January 21, 2020, because of the COVID-19 pandemic.

· You have missed at least 3 mortgage payments since January 21, 2020.

· You meet income requirements (150% of the Area Median Income).


To apply, go to massmortgagehelp.org. You will need to register for an account using your email address. The application is available in multiple languages.


For general information about the Mass HAF program and updates on your application status, you can call the HAF Call Center at (833) 270–2953, Monday-Saturday, 8 a.m. – 7 p.m. (interpreter services are available).

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