​Hardest Hit Fund (HHF)

HHFSM programs in 18 states and the District of Columbia are designed to provide assistance to struggling homeowners through modification, mortgage payment assistance, and transition assistance programs.

Application Deadline:
Don’t delay. Application deadlines vary. Some states have already concluded the application process. No applications will be accepted beyond December 31, 2017.


FEATURES AND BENEFITS

HHF programs vary state to state, but often include: 

Mortgage payment assistance for unemployed or underemployed homeowners
Principal reduction to help homeowners get into more affordable mortgages
Funding to eliminate homeowners' second lien loans
Help for homeowners who are transitioning out of their homes and into more affordable places of residence


AVAILABILITY

The HHF provided more than $7.6 billion to support homeowners in states hit hardest by the economic crisis. State housing finance agencies have used the Fund to develop programs that stabilize local housing markets and help families avoid foreclosure in the following states:

Alabama
Arizona
California
Florida
Georgia
Illinois
Indiana
Kentucky
Michigan
Mississippi
Nevada
New Jersey
North Carolina
Ohio
Oregon
Rhode Island
South Carolina
Tennessee
Washington D.C.


COMPLEMENTARY MHA PROGRAMS

HHF programs are designed to complement MHA programs, but are not limited to homeowners eligible for MHA.
If you are in an HHF state, be sure to learn about which MHA programs might also be suitable to your situation.

Loan Modification Programs

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