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Homeowner Assistance Fund

HAF Program paused as of 4 p.m. PST May 31, 2023

Oregon Housing and Community Services (OHCS) has paused accepting new Homeowner Assistance Fund (HAF) applications to allow OHCS to process current applications 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 at a later date.

As an exception to this pause, to serve the most at-risk homeowners, OHCS will continue to accept new applications only submitted by housing counselors on behalf of homeowners who are in a judicial foreclosure or forfeiture action or have a verified foreclosure sale date.

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 shouldn’t delay in finding a housing counselor at

If a person has previously applied or begun an application, the pause will not impact them. Those who started their applications will still be able to access and complete them, and those applications that were previously submitted will still be processed. Applicants can continue to log on to the HAF portal to check the status of their application or scheduled payments. They can opt in to email alerts as their application advances. 

About the Homeowner Assistance Fund

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

Before requesting assistance through HAF, we ask that homeowners contact their servicer and/or a free 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 homeowners and obtaining HAF assistance may prevent you from taking advantage of other options. You can locate a housing counselor using the list of HAF intake partners at the bottom of this page.

Am I eligible to apply? Please review our HAF program website at If you meet the eligibility requirements, you may submit an application online or with the assistance of a HAF intake partner. Please only submit an application when you are eligible to apply because homeowners who apply before the right time are withdrawn and cannot re-apply for 90 days. 

If you received HAF funds and need a payoff statement, email

Video: HAF Facebook Live session in English and Spanish

Resources for Homeowners

HAF Application Materials

Below are some resources about HAF:

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


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


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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