Homeowner Assistance Fund

The Maine Homeowner Assistance Fund (HAF) is a free, federal relief program for homeowners who are financially impacted by COVID-19 and are behind on their mortgage, property tax, or utility payments and are at risk of foreclosure.  The program is funded by the U.S. Department of Treasury and administered by the Maine Bureau of Consumer Credit Protection.

KVCAP serves Kennebec, Somerset, and Waldo Counties for foreclosure counseling through the Homeowner Assistance Fund. 

To qualify for you must have exhausted other available assistance options and:

  1. Own and occupy a 1-4 unit home in Maine as your primary residence
  2. Meet income qualifications: Maine HAF Program Income Limits
  3. Have experienced a financial hardship associated with COVID-19

Types of possible assistance:

  • Mortgage reinstatement: assistance to eliminate or reduce past due payments in the event that a homeowner does not qualify for assistance options offered by the servicer
  • Mortgage default: funds for mortgage assistance measures intended to result in a permanently sustainable payment when leveraged with other available assistance options offered by the servicer
  • Property taxes: municipal tax assistance to prevent tax foreclosure
  • Past due homeowner’s insurance, mortgage insurance or flood insurance
  • Utility or internet: funds to resolve delinquent payments if other resources are not available from utility assistance programs (such as HEAP) to cover these amounts

You can talk with a KVCAP HUD Certified Housing counselor to work through your financial situation.

Click here to apply: HAF Program Application