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.

For program details and application, go to

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.

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

For assistance with application, financial counseling, and other resources, contact:      

AHEAD – (603) 444-1377 x1014

For assistance due to immediate threat of foreclosure, tax deed, or sheriff’s sale, contact:

603 Legal Aid – (603) 224-3333

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 (2/2023)

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 HAF Has Helped


I can't thank you enough for all the help you've provided to my family and myself. It has helped tremendously. I'm still having difficulty keeping up with things but have taken steps to keep all expenses up to date. Again I am grateful for all your help.


It has not been an easy few months and honestly I’ve been able to sleep these last two weeks knowing that we are getting rid of our existing servicer and knowing that we are coming up out of this hole. We wouldn’t have been able to navigate as far as we have without you so I want to thank you so much.


We appreciate all your efforts to advise us and meet the deadlines and help get our house mortgage resolved and up to date. We will be working toward keeping it that way and remaining in our home.


Just wanted to say Thank You so much for helping us get caught up on our bills. The Program has made a big difference for us as the past due accounts are now up to date and we did not have to face any shut offs. We appreciate all you have done.


The federal NH Emergency Rental Assistance program has been paused. If you need assistance with paying rent and utilities, contact