Idaho Homeowner Assistance Fund

If you’ve fallen behind on your house payments, you’re not alone. Help is here for Idaho homeowners who’ve experienced financial hardship during the COVID-19 pandemic. Get started below.

Homeowner Assistance Fund

What is the Homeowner Assistance Fund?

The Homeowner Assistance Fund was created to help eligible Idaho homeowners who have fallen behind on their mortgage payments or other housing-related expenses because of the COVID-19 pandemic.

Find out if you qualify

Click the “Apply Now” button below to register and to start your application. Additional program requirements will apply, but in general help is available to Idaho households that:

Get ready

If you think you qualify for homeowner assistance, there are a few things you can do before starting your application.

Learn about other resources

HAF Servicer and Vendor Resources

Frequently Asked Questions

What is covered by the Idaho Homeowner Assistance Fund?

The program can help reinstate a mortgage in delinquency or default. The financial assistance may also be used for homeowner expenses, including property taxes, hazard insurance premiums, HOA/condominium dues, cooperative maintenance fees, and utilities.

Do I have to have been affected by COVID-19 to be eligible?

Yes. You must attest that you have had a financial hardship that was directly or indirectly caused by COVID-19.

What is a financial hardship?

Financial hardship could include, but is not limited to: reduced income because of a job loss or reduced work hours or an increase in childcare, medical care or other household expenses due to COVID-19.

How much help can I get?

The amount of assistance will vary depending on the household’s situation. The maximum assistance a household can receive is $50,000.

Do I have to pay back the assistance?

Homeowner Assistance funds are considered an interest-free loan that will be paid back when you sell or transfer ownership of the home. The loan will be forgiven if the net proceeds from a sale do not cover the amount of assistance you’ve received. The loan may be forgivable after 10 years.

I am behind on my mortgage, what should I do?

If you’ve missed a mortgage payment, the first step is to contact the company that you send your mortgage payment to each month and discuss the options that may be available. If you don’t know or can’t remember who you send your payment to, you can look at your mortgage statement for contact information or use the tools on this page.

What if I am a homeowner but my primary residence is not in Idaho?

To qualify for the Idaho Homeowner Assistance Fund, your primary residence must be in Idaho.

Is household income based on the entire household even if only one borrower is on the loan?

Yes. Income is based on the household, which includes the total income from adults 18 years and older who live in the home, but are not renters. Or all persons with a financial responsibility to the property.

I am currently employed, but my income has been reduced. Am I still eligible to apply?

Yes. The maximum allowable household income depends on the county where you live and the number of household members. During the application process, you will use an online eligibility checker that will calculate what your income limit is. You will need to provide proof of income for all the adults who live in the in your household or have a financial responsibility to it.

What documents are acceptable as proof of income?

Acceptable documents can include paystubs, W-2’s, your most current tax return, a Social Security statement, a pension or retirement statement, proof of unemployment or disability compensation, or proof of alimony or child support. Depending on your circumstances, our team will work with you to identify what type of income documents are required.

I am a homeowner, but my home is in foreclosure. Can I apply for help?

Yes. Please contact the company that you send your mortgage payment to each month and let them know that you are applying.

I am a landlord. Can I apply for assistance for properties that I rent?

No. Only owner-occupied properties are eligible.

What types of properties are eligible for assistance?

Eligible owner-occupied properties include:

If my application is approved, how long will it take to receive financial assistance?

We will work closely with the company to which you make your payment and process payments as quickly as possible. You can help by correctly submitting all the documents required in the application and promptly responding to emails.

How are payments made?

If your application is approved, the payment will be sent directly to the mortgage servicer, property tax authority, insurance company, HOA/condo association, or utility provider. Payments are made either by ACH/direct deposit or by check.

Can I get help with upcoming house payments?

Yes, up to 3 months forward.

I have a reverse mortgage, do I qualify?

Yes. Reverse mortgages may be eligible for assistance to pay past-due taxes, insurance or utilities.

HAF notifications

Footer