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Homeowner Assistance Fund

About the Homeowner Assistance Fund

OHCS has received $90 million from the U.S. Treasury to assist homeowners through the Homeowner Assistance Fund (HAF)

HAF Program Paused as of November 30, 2022

Oregon Housing and Community Services has paused accepting new Homeowner Assistance Fund (HAF) applications to allow OHCS to process current applications, conduct system maintenance, and better project the amount of federal HAF funds remaining for homeowners. Information on when and how the HAF program will reopen will be announced in early 2023. To assist the most at-risk homeowners during this pause, free housing counselors can submit applications on behalf of homeowners who are in active foreclosure. Active foreclosure includes:

  • Nonjudicial foreclosures or trustee sales with a documented foreclosure sale date;
  • Sheriff sales with a documented sale date;
  • Homeowners in a judicial action (court case) for foreclosure or forfeiture of their home; and
  • Property tax cases where the county has already foreclosed and will be deeded the property in or before April 2023.

Homeowners in foreclosure may not submit HAF applications themselves during the pause but can work with a free housing counselor to learn about their options, verify foreclosure status, and submit a HAF application on their behalf. Homeowners in this situation should not delay in finding a housing counselor at the bottom of this webpage under HAF Intake Partners

During this time, please be aware that it does not cost anything to speak with a housing counselor to submit a HAF application. There are a number of common warning signs homeowners should watch out for that may indicate a scam. If a homeowner suspects they’re being contacted by a scammer, they can report it to the Consumer Financial Protection Bureau, the Oregon Department of Justice, or the U.S. Treasury’s Office of the Inspector General.

HAF is opening in phases, prioritizing homeowners the most at risk of foreclosure or who have the fewest workout options. OHCS is currently accepting applications from homeowners in Phases 1-3. HAF will open more broadly to all eligible homeowners later in 2022.

Before requesting assistance through HAF, we ask that homeowners contact their servicer and/or a nonprofit housing counselor about 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 housing counselor at a state-approved Oregon Homeownership Center.

Am I eligible to apply? Please review our HAF program overview and eligibility fact sheet (English | Spanish) or take our questionnaire (English | Spanish) to determine when you should apply. If you meet the eligibility requirements, click on the HAF application materials below for more resources to guide you through the application process.

To apply and for more information, including an overview of the Homeowner Assistance Fund program, eligibility requirements and phases timeline, application resources, frequently asked questions, contact information, fraud prevention and reporting tools, legal aid, and more, visit oregonhomeownerassistance.org.

Video: HAF Facebook Live session in English and Spanish

Resources for Homeowners

Below are some resources for homeowners who are most at risk of entering into foreclosure:







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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​

Resources for Housing Counselors


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Below are some resources for housing counselors to use to assist homeowners who are most at risk of entering into foreclosure:



HAF Intake Partners

The following homeownership centers offer assistance with the HAF application process*:

*If you don’t see your county listed please contact the nearest organization to you.

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