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Read our report on six communities’ experiences with pandemic funding and programs, which provides valuable lessons learned to improve federal emergency response programs.

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Explore demographic data on Homeowner Assistance Fund approved applicants.


The $10 billion Homeowner Assistance Fund (HAF) is providing financial help to homeowners who missed mortgage, home insurance, and utility bill payments after January 21, 2020.  Recently, the U.S. Department of the Treasury, the agency that manages the HAF program, released data on the race, gender, ethnicity, and income of the 94,310 approved applicants out of the 399,276 applicants.  The quarterly reporting by the states, District of Columbia, Tribes, and U.S. Territories shows that they have obligated about 10% of the funding. They have until September 30, 2026, to use all the funding to benefit homeowners. Find Homeowner Assistance in your state.

A note about Area Median Income

To qualify for HAF, a homeowner’s income must fall below certain income limits which vary by the size of the household and location. Incomes must be equal to or less than 150% of the local area median income (AMI) or equal to or less than 100% of the median income for the United States, whichever is greater. For example, a four-person household in Dover, Delaware with an income of $115,800 qualifies as 150% of the local AMI.  Find the AMI for your state and county. The “Percent by Area Median Income” chart shows where applicants fell compared to the AMI in their locations. 

Data as of: June 2022

Source: U.S. Department of the Treasury

Download the HAF data which includes Quarters 1 and 2, 2022

Page last modified: 11/06/2023
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