Idaho Homeowner Assistance Fund
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Homeowners:
Get Help with Past-Due Mortgage Payments
If you’ve fallen behind on your home payments, you’re not alone.
The Homeowner Assistance Fund was created to help eligible Idaho homeowners impacted by COVID-19 who:
- Have fallen behind on their mortgage payments, and/or
- Are behind with housing-related expenses
Find Out If You Qualify
Additional program requirements apply, but in general help is available to households that:
- Own and occupy a home in Idaho as a primary residence
- 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
Apply
If you think you qualify for homeowner assistance, you’ll need to gather some information before starting an application, including:
- Documentation of your household income. See the Frequently Asked Questions below for a list of documents we can accept.
- Information about your mortgage servicer. Find out the name of the company you send your mortgage payment to each month. You can look at your mortgage statement for contact information or use the tools on this page. If you’re having difficulty, email haf@ihfa.org or call 888-991-2166.
- An electronic copy of a government-issued ID
Review the FAQs below for detailed information about required application materials and accepted forms of documentation. Then click the button below to get started.
Other Resources
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?
The program can help reinstate a mortgage in delinquency or default. The financial assistance may also be used for homeowner expenses including property taxes, hazard insurance premiums, HOA/condominium dues, cooperative maintenance fees, and in some instances utilities.
Do I have to have been affected by COVID-19 to be eligible?
Yes. You must attest that you have had a financial hardship that was directly or indirectly caused by the COVID-19 pandemic.
What is a financial hardship?
Financial hardship could include but is not limited to: reduced income because of a job loss or reduced work hours or an increase in childcare, medical care or other household expenses because of the pandemic.
How much help can I get?
The amount of assistance will vary depending on your household’s situation. The maximum assistance a household can receive is $50,000.
I am behind on my mortgage, what should I do?
If you’ve missed mortgage payments, the first step is to contact the company that you send your payment to each month and discuss options that may be available. If you don’t know or can’t remember who you send your payment to, you can look at your mortgage statement for contact information or use the tools on this page.
What if I am a homeowner but my primary residence is not in Idaho?
To qualify for the Idaho Homeowner Assistance Fund, your primary residence must be in Idaho.
Is household income based on the entire household even if only one borrower is on the loan?
Yes. Income is based on the household, which includes the total income from adults 18 years and older who live in the home, but are not renters. Or all persons with a financial responsibility to the property.
I am currently employed but my income has been reduced. Am I still eligible to apply?
Yes. The maximum allowable household income depends on the county where you live and the number of household members. During the application process, you will use an online eligibility checker that will calculate what your income limit is. You will need to provide proof of income for all the adults who live in the in your household or have a financial responsibility to it.
What documents are acceptable as proof of income?
Acceptable documents can include paystubs, W-2 forms, your most current tax return, a Social Security statement, a pension or retirement statement, proof of unemployment or disability compensation, or proof of alimony or child support. Depending on your circumstances, our team will work with you to identify what type of income documents are required.
I am a homeowner, but my home is in foreclosure. Can I apply for help?
Yes. Please contact the company that you send your mortgage payment to each month and let them know you are applying. Be prepared to provide any requested documents as quickly as possible.
I am a landlord. Can I apply for assistance for properties that I rent?
No. Only owner-occupied properties are eligible.
What types of properties are eligible for assistance?
Eligible owner-occupied properties include:
- Single-family attached and detached properties
- Manufactured homes permanently attached to real property and taxed as real estate
- One- to four-unit properties, if 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?
We will work closely with mortgage servicers to process payments as quickly as possible.You can help by correctly submitting all the documents required in the application and promptly responding to emails.
How are payments made?
If your application is approved, the payment will be sent directly to the mortgage servicer, property tax authority, insurance company, HOA/condo association, or utility provider. Payments are made either by ACH/direct deposit or by check.
Do I have to pay back the assistance?
Homeowner Assistance funds are considered an interest-free loan that will be paid back when you sell or transfer ownership of the home. The loan will be forgiven if the net proceeds from a sale do not cover the amount of assistance you’ve received. The loan may be forgivable after 10 years.
Can I get help with upcoming mortgage payments?
Yes, up to 3 months forward.
I have a reverse mortgage, can I still qualify?
Yes. Reverse mortgages may be eligible for assistance to pay past-due taxes, insurance or utilities.
HAF Plans and Reports
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 by the U.S. Department of the Treasury and administered by Idaho Housing and Finance Association.
Other Resources:
Free Housing Counseling
HUD-approved counselors can help you navigate any housing-related financial issue.
Learn More
HAF Servicer and Vendor Resources
Access service provider forms and learn more about becoming a service provider.
Learn More
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