February 11, 2022

PA Homeowner Assistance Fund Now Accepting Applications

The Pennsylvania Housing Finance Agency (PHFA) is now accepting applications for the Pennsylvania Homeowner Assistance Fund (PAHAF), which supports statewide homeowners who are facing financial hardships as a result of the COVID-19 pandemic.

PHFA was allocated $350 million under the American Rescue Plan Act of 2021 to develop the PAHAF program. The program will provide financial assistance to homeowners for qualified mortgage and housing-related expenses to avoid delinquency, default, foreclosure, or displacement.


The program will accept applications from eligible, Pennsylvania homeowners who meet the following criteria:

  • Homeowner owns and occupies the property as their primary residence

  • Property is located in Pennsylvania

  • Homeowner has experienced a financial hardship as a result of the COVID-19 pandemic after January 21, 2020 (this includes a hardship that began before January 21, 2020 and continued after that date)

  • Household income is equal to or less than 150% area median income (AMI)

  • 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


Eligible homeowners will be able to apply online for PAHAF and see a list of organizations that can assist them on the program website.

For help with the registration or application, contact the Pennsylvania Homeowner Assistance Fund Customer Support Center at (888) 987-2423, Monday through Friday from 8 a.m. to 8 p.m. and Saturday from 8 a.m. to 5 p.m. Customer Support Specialists will be able to help you complete your registration and/or application over the phone.

Anyone who does not have an email address can contact partners at the Housing Counseling Agencies. Here is a full list.

More Information

More program information, eligibility details, and answers to frequently-asked-questions, are available on the PAHAF website.