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Housing Finance Agencies

In 2010, the federal government created the Hardest Hit FundSM (HHF) to help state Housing Finance Agencies (HFAs) provide financial assistance to homeowners in states hit hardest by the housing crisis. While the housing market has strengthened in recent years, there is still an ongoing need to continue to assist homeowners and neighborhoods. Program participants have until the end of 2020 to utilize funds allocated under HHF.

In 2016, an additional $2 billion was allocated to participating HHF states to continue foreclosure prevention and neighborhood stabilization efforts.

Programs that are supported by the Hardest Hit Fund vary by state – as do requirements for eligibility – and may include:

  • Mortgage payment assistance if you are unemployed or underemployed
  • Mortgage reinstatement programs to help you get current on your mortgage
  • Modification assistance to help you secure a more affordable mortgage
  • Assistance to help you transition into more affordable housing

See if your state received Hardest Hit Funds, and, if so, whether you may qualify for financial assistance through your state. Reach out to your state’s HFA for more information.

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