Homeowner Assistance Fund

About the Homeowner Assistance Fund

The Homeowner Assistance Fund (HAF) is a federal relief program established under the American Rescue Plan Act of 2021.

HAF is no longer accepting new applications as of July 17th, 2026. HAF will continue to process applications that are pending until funding is no longer available. Please note that application processing typically takes 2 to 6 weeks. You will be contacted if additional information is needed or when a final determination has been made on your application.

If you have a pending application and have not uploaded your supporting documentation, please upload your documents as soon as possible. If you submitted a complete HAF application less than six weeks ago, please do not email requesting an update on your application status. We will not be responding to status inquiries, unless the application was submitted more than six weeks prior. We appreciate your patience as we handle a large volume of applications.

Please note: OHCS reviews and funds applications once all required information is received from both the homeowner and their mortgage servicer. Funds are distributed on a first completed, first served basis, so applicants are encouraged to submit required documents as soon as possible. When program funds run out, some submitted applications may not receive assistance.

HAF area medium income (AMI)

You may be eligible for HAF if your household size is less than 150% of AMI based on the county that you live in. The table below outlines AMI limits by county for participation in HAF. Use the search box to look for your county limits.

Useful Resources

Third Party Authorization | Spanish
HAF applicant Attestation Form
Homeowners who are at risk of foreclosure should contact their servicer and/or a free housing counselor about immediate options or visit oregonhomeownerhelp.org for more foreclosure prevention resources.
Visit the HAF dashboard to find more information on how the funds were disbursed.

For those who participated in HAF before 2026:

Payoff statements

When a payoff event is happening, an escrow agent or a loan officer can request an official payoff statement by emailing haf.payoffs@hcs.oregon.gov. The Payoffs Department is not available by phone. All email inquiries are processed in the order received. Please allow 72 hours for response time.

Recording fees

The homeowner is responsible for all associated recording fees for removal of the lien once a payoff for the loan has been received prior to the five-year loan forgiveness date.

OHCS will pay the recording fee to release our lien only when we place said lien on the participant’s property in error. OHCS will also be responsible for recording and the recording fee to release the lien when our loans reach the five-year forgiveness period and is forgiven in full.

HAF annual reports

Need assistance?

For questions, homeowners can email: HAF.Homeowners@hcs.oregon.gov.
Servicers can email HAF.Records@hcs.oregon.gov.
For payoffs, email: haf.payoffs@hcs.oregon.gov.

OHCS wants to ensure that everyone has access to its information and programs. If you would like this information in a different language, please email Language.Access@hcs.oregon.gov.