The Pennsylvania Homeowner Assistance Fund


The Pennsylvania Homeowner Assistance Fund ( PAHAF) is a housing-related program funded by the U.S. Department of the Treasury to assist Pennsylvania homeowners facing financial hardship due to the COVID-19 pandemic that began after January 21, 2020, (including a hardship that began before January 21, 2020, and continued after that date). The program will provide financial assistance to homeowners for qualified mortgage and housing-related expenses to address delinquency and avoid default, foreclosure, or displacement. 

The assistance fund has several eligibility criteria:

  • Homeowner owns and lives in the property as their primary residence
  • Property is located in Pennsylvania
  • One- to four-unit residential properties, specifically: Single-family/row home (attached or detached properties); condominium units; cooperatives; and manufactured/mobile homes.
  • The homeowner must have experienced financial hardship as a result of the COVID-19 pandemic since January 21, 2020, and is seeking assistance with past due mortgage and housing-related expenses. This can include a qualified financial hardship that began before January 21, 2020 and continued after that date.
  • The homeowner is at least 30 days past due on the mortgage payments and/or housing-related expenses for which they are requesting PAHAF assistance, except for forward mortgage assistance, for which, as a standalone option, mortgage payments cannot be delinquent to receive funding.
  • Homeowner’s first mortgage is a conforming loan and meets the federal limits for the year in which the loan was taken.
  • Homeowner cannot receive the same assistance for mortgage payment, mortgage reinstatement, property charges, and/or utility payment from another federal, state, local, nonprofit, or tribal source
  • The homeowner must meet income requirements that are based on household size.

Documentation needed to apply:

  • Photo ID
  • Social Security Card
  • Act 91 or Act 6 or delinquency letter with updated amount owed
  • Proof of income for the last 30 days
  • Proof of ownership
  • Proof that homeowner was impacted by COVID

If you are interested in applying, staff at Southwest CDC can help. Please email Wydia Copes at or call our office at (215) 729-0800.

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