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Homeowner Assistance Fund

About the Homeowner Assistance Fund

$90 million will be allocated to assist homeowners through the Homeowner Assistance Fund (HAF) 

HAF will open in phases, initially focusing on homeowners the most at-risk of foreclosure or displacement. OHCS is currently accepting applications from homeowners in Phase 1. HAF will open more broadly over time and plans to open to all eligible homeowners in the first half of 2022. However, throughout the phases, HAF will target homeowners who are the most at risk of foreclosure or who have the fewest workout options.

Before requesting assistance through HAF, we ask that homeowners contact their servicer and/or a nonprofit housing counselor about your immediate options. There are many viable options available through your servicer for most Oregon homeowners. HAF may not be the best option for many borrowers and obtaining HAF assistance may prevent you from taking advantage of other options. You can locate a local housing counselor at a state-approved Oregon Homeownership Center.

HAF Application Guide

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After completing stakeholder and public engagement and making revisions based upon additional U.S. Treasury guidance, Oregon Housing and Community Services (OHCS) has submitted the HAF Plan and draft program terms below. 

Mortgage Reinstatement Program Submission
Forward Payment Assistance Program Submission
HAF Plan Submission 

Based upon Oregon's needs analysis and feedback, Oregon will offer 1) a mortgage reinstatement program (to bring mortgages current) and 2) a forward payment assistance program (to help homeowners with ongoing financial hardship). Please note that these proposed program terms must be approved by the U.S. Treasury and are subject (and likely) to change based upon the U.S. Treasury's response. OHCS will provide an update once the program terms are finalized.

In late November 2021, the U.S. Treasury provided the below feedback and questions on Oregon's submitted HAF Plan and program terms. OHCS is working on responses and revisions to the plan and program terms to obtain approval from U.S. Treasury.​

US Treasury Feedback​

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