The federally funded 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. The program launched in March 2022 with a $40 million federal allocation.

APPLICATIONS ACCEPTED AND REVIEWED AS RECEIVED THROUGH DECEMBER 14, 2023. 

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PHASE 1 (ACTIVE) – 3/8/22 to 12/14/23
Applications are being accepted and reviewed as received. This phase will be active through December 14, 2023.

PHASE 2 – 12/15/23
Applications received on or after December 15, 2023 will be held and not processed until it is determined if sufficient program funds remain.  If funds are available, these applications will be reviewed on a first-come, first-serve basis until funds are exhausted. All applications subject to eligibility review.  

PHASE 3 – Date to be announced
Applications will no longer be accepted. Applications submitted prior to this phase will receive communication regarding their status.  

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Eligible homeowners must:

• Have experienced a COVID-related reduction in income or increase in household expense after 1/21/2020
• Own and occupy the property as their primary residence
• Have incomes of less than 125% of Area Median Income

The NH Homeowner Assistance Fund provides financial assistance for past-due bills only. Reimbursements are not available through the NH Homeowner Assistance Fund.

If applying for mortgage assistance, your mortgage amount at origination must be below conforming loan limits. This will be verified during processing. For reference, loans that originated in 2020 in Hillsborough County, the conforming loan limit is $510,400.

Program assistance includes:

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

*Total assistance per household is $40,000 for all programs combined

General Information

New Hampshire Housing has contracted with a 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 Homeowner Assistance Fund program.  

NH Homeowner Assistance Fund Plan (8/2023)

U.S. Treasury Homeowner Assistance Fund website 

CFPB Homeowner Assistance Fund information

_{The NH Homeowner Assistance Fund is a federally funded program through the NH Governor’s Office for Emergency Relief and Recovery and is administered by New Hampshire Housing. The NH Homeowner Assistance Fund Program is being supported, in whole or in part, by a federal award number HAF0014 awarded to the State of New Hampshire by the U.S. Department of the Treasury under the Homeowner Assistance Fund established by Section 3206 of the American Rescue Plan Act of 2021, Pub. L. No. 117-2.}  

Who NH HAF Has Helped

IF YOU ARE A RENTER OR LANDLORD: 

If you need assistance with paying rent and utilities, contact 2-1-1.