Michigan Homeowner Assistance Fund (MIHAF)

Overview

The Homeowner Assistance Fund was established under section 3206 of the American Rescue Plan Act of 2021 (the ARP) to mitigate hardships associated with the coronavirus pandemic by providing funds to prevent homeowner mortgage delinquencies, defaults, foreclosure, loss of utilities or home energy services and displacements of homeowners experiencing financial hardship after January 21, 2020.

The U.S. Department of the Treasury notified MSHDA on April 14, 2021 that it will allocate $242,812,277 to the State of Michigan. This number was based on unemployed individuals and the number of mortgagors with delinquent mortgage payments.

Eligible Uses:

  • Delinquent mortgage/housing expenses, such as monthly payments, escrow shortages, and corporate advances
  • Up to three consecutive, monthly mortgage payments if under maximum assistance amount
  • Delinquent land contract payments, mobile home consumer loan payments or contracted park lot payments
  • Property taxes
  • Condominium/homeowners' association fees
  • Homeowner's insurances, hazard, flood, or mortgage insurance
  • Utilities, gas, electric, water, sewer
  • Internet broadband services

Need Help?

Contact the Northwest Michigan Community Action Agency, 231-947-3780, or Toll-Free 800-632-7334, they are located at 3963 Three Mile Rd, Traverse City, MI 49696

MIHAF Frequently Asked Questions(PDF)