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Hardest Hit Fund® (HHF)

Hardest Hit Fund® programs in 18 states and the District of Columbia are designed to provide assistance to struggling homeowners through modification, mortgage payment assistance, and transition assistance programs.

Application Deadline:
Don’t delay. Application deadlines vary. Some states have already concluded the application process. No applications will be accepted beyond December 31, 2020.


Features and Benefits

HHF programs vary state to state, but often include: 

  • Mortgage payment assistance for unemployed or underemployed homeowners
  • Principal reduction to help homeowners get into more affordable mortgages
  • Funding to eliminate homeowners' second lien loans
  • Help for homeowners who are transitioning out of their homes and into more affordable places of residence


HHF programs and eligibility vary by state. For details, contact your state's housing finance agency.


The HHF provided more than $7.6 billion to support homeowners in states hit hardest by the economic crisis. State housing finance agencies have used the Fund to develop programs that stabilize local housing markets and help families avoid foreclosure in the following states:

For More Information

Visit the Learning Center for Frequently Asked Questions (FAQs) and the Glossary of Key Terms.

If you have additional questions or need direct assistance, don't hesitate to reach out for help by calling 888-995-HOPE (4673). You will be connected with an expert from a HUD-approved housing counseling agency. These counseling experts can help you understand your options, design a plan to suit your individual situation, prepare your application; and in many cases, they're able to submit the application for you.

Studies suggest that homeowners who work with housing experts like these are more successful and have better long-term outcomes. There is no cost to you for this valuable, around-the-clock service. Help is available in more than 170 languages.

Prepare what you'll need ›

Last Updated: 8/1/2017 12:24