Eligible applicants must meet all of the following criteria:

• Homeowners in Oklahoma who occupy the property as their primary residence
• Home cannot be listed for sale by homeowner
• Homeowner must be able to maintain the current mortgage payment on the home after receiving HAF assistance
• Homeowners who have experienced a COVID-19 qualified financial hardship after January 21, 2020
• Homeowners who are United States citizens or those who can show proof of a green card
• Homeowners who are delinquent at the time of application according to specified guidelines
• Homeowners who are at or below 100% of the Area Median Income or homeowners who are socially disadvantaged and are at or below 150% of the Area Median Income

Specific assistance criteria:

• Homeowners applying for mortgage assistance must be 30 days delinquent at the time of application, in a forbearance plan, or entering or completed a loan modification, including a partial claim or deferral mortgage amount, to mitigate the COVID-related delinquency
• Homeowners applying for homeowners insurance assistance must be 30 days delinquent at the time of application or have been canceled since January 21, 2020
• Homeowners applying for tax assistance must be delinquent
• Homeowners applying for HOA assistance must be 30 days delinquent at the time of application

Eligible Property Types:

Primary residence including:

• Single-family home

• Condominium unit

• Duplex

• One-to-four-unit dwelling

• Manufactured home

Ineligible Property Types:

Non-primary residence including:

• Vacant or abandoned home

• Second home

• Investment property

Homeowners will be eligible for up to $35,000 in total assistance for their primary residence.  Funds may be used to:

• Eliminate or reduce past due mortgage payments, including escrow items and payments under a forbearance plan
• Provide up to six months of forward mortgage payments
• Pay for non-escrowed property taxes, insurance, HOA and condominiums fees that are delinquent

• HAF application
• Borrower Authorization
• W-9
• Qualifying COVID-19 hardship attestation from homeowner identifying and certifying the eligible hardship and that it occurred after January 21, 2020
• Mortgage statement for each mortgage (first and subordinate)
• Proof of primary residence (e.g., recent utility bill, driver’s license, etc.)
• Current Government issued Photo ID
• Valid social security card issued by the Social Security Administration, or an original document issued by a federal or state government agency which contains the SSN
• Attestation certifying socially disadvantaged status, if applicable
• Proof of court ordered discharge or dismissal if bankruptcy has been filed within the last three years
• Income documentation for all household members 18 and older may be required, including:
  • current paystubs covering 60 days
  • pages 1 and 2 of the most recently filed federal tax returns with W2’s
  • alternative income documents, as applicable

Once your application is approved, payment will be sent to your requested provider(s).

Payments made to homeowners under HAF are not considered gross income for federal tax purposes.  Instead, they qualify as disaster relief payments.  Beneficiaries will not have to pay taxes on qualified assistance received through HAF.

You may only apply for assistance with your primary residence and you must occupy the property.

The Homeowner Assistance Fund is made available through the American Rescue Plan Act, which was enacted May 11, 2021.  Oklahoma Housing Finance Agency (OHFA) and the US Department of Treasury developed eligibility requirements for the program and OHFA is responsible for disbursing funds to approved mortgage servicers and entities for eligible applicants in Oklahoma.