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Home Affordable Unemployment Program (UP)

UPSM reduces or suspends your monthly mortgage payment, giving you some much needed breathing room while you search for your next job.

Application Deadline: December 30, 2016

NEXT STEP: Prepare What You'll Need ›

Features and Benefits

  • UP forbearance temporarily suspends your monthly mortgage payments or reduces them to no more than 31 percent of your gross income.
  • UP offers a break from your regular mortgage payments for up to 12 months.


You may be eligible for UP if you meet the following basic criteria:

  • You are struggling to make your mortgage payments due to unemployment.
  • You are delinquent or in danger of falling behind on your mortgage.
  • You obtained your mortgage on or before January 1, 2009.
  • Your property has not been condemned.
  • You owe up to $729,750 on your primary residence or one-to-four unit rental property (loan limits are higher for two- to four-unit properties).


Mortgage companies nationwide—including Bank of America, CitiMortgage, JPMorgan Chase, and Wells Fargo—participate in Making Home Affordable (MHA) programs.  See if your mortgage company is participating. If not, or you are not eligible for MHA, ask your mortgage company about other options available to you.

Similar Programs

Fannie Mae, Freddie Mac, Federal Housing Administration (FHA), Veterans Affairs (VA), and U.S. Department of Agriculture (USDA) also offer mortgage solutions for homeowners with mortgages they own, insure, or guarantee.

Find out whether your mortgage is owned, insured, or guaranteed by Fannie Mae, Freddie Mac, FHA, VA, or USDA, and learn more about the MHA programs and other resources they’ve designed to address your needs.

Complementary MHA Programs

Once you are re-employed, if you still need help, you may qualify for MHA’s Home Affordable Modification ProgramSM (HAMP®). With its focus on affordability, it could provide just the help you need to make your mortgage payments successfully.

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.

Last Updated: 6/24/2016 15:45