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:
- Meet the program’s income limits;
- Are behind on home or related payments;
- Faced financial hardship related to the COVID-19 pandemic after January 21, 2020;
- Own and occupy a home in Idaho as a primary residence.
If you think you qualify for homeowner assistance, there are a few things you can do before starting your application.
- Gather information on your household income. This can include paystubs, W-2 forms, your most current tax return. For a complete list of documents we can accept, please see the frequently asked questions below.
- Find out the name of the company that you send your mortgage payment to each month. If you don’t know or can’t remember, you can look at your mortgage statement for contact information or use the tools on this page. If you’re still having difficulty, you can email email@example.com call 888-991-2166.
- Make sure you have an electronic copy of a government-issued ID.
Learn about other resources
- Get your questions answered: Whether you own a home or rent a home, Idaho Housing’s HUD-approved counselors can help you successfully navigate any housing-related financial issues. The service is free and available to all Idahoans. Get started here.
HAF Servicer and Vendor Resources
- To access service provider forms and learn more about becoming a service provider, click here.
Frequently Asked Questions
What is covered by the Idaho Homeowner Assistance Fund?
Do I have to have been affected by COVID-19 to be eligible?
What is a financial hardship?
How much help can I get?
I am behind on my mortgage, what should I do?
What if I am a homeowner but my primary residence is not in Idaho?
Is household income based on the entire household even if only one borrower is on the loan?
I am currently employed, but my income has been reduced. Am I still eligible to apply?
What documents are acceptable as proof of income?
I am a homeowner, but my home is in foreclosure. Can I apply for help?
I am a landlord. Can I apply for assistance for properties that I rent?
What types of properties are eligible for assistance?
- Single-family attached and detached properties.
- Manufactured homes permanently attached to real property and taxed as real estate.
- One- to four-unit properties in which the homeowner is living in one of the units as a primary residence.
- Manufactured homes permanently attached to real property that are on a leasehold land, are subject to the mortgage lien and are insured by a title policy.
- Single-family (attached or detached) properties that are on leasehold land, are subject to a mortgage lien and are insured by a title policy.
If my application is approved, how long will it take to receive financial assistance?
How are payments made?
Do I have to pay back the assistance?
Can I get help with upcoming house payments?
I have a reverse mortgage, do I qualify?
- Disclaimer: Program details may be supplemented or changed by additional guidance from the Department of the Treasury or as Idaho Housing and Finance Association determines necessary. This project is being supported, in whole or in part, by federal award number HAF0017 awarded to the state of Idaho and administered by Idaho Housing and Finance Association by the U.S. Department of the Treasury.
- Idaho Homeowner Assistance Fund Plan
- Idaho HAF Term Sheet
- Idaho HAF Annual Report