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 firstname.lastname@example.org or call our office at (215) 729-0800.