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Hardest Hit Fund Program

Hardest Hit Fund (HHF) 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. These programs change frequently; therefore, we recommend checking back often for updates.

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

Eligibility - HHF program and eligibility vary by state. To see if your state is eligible and for availability details, go to the HHF page on the Making Home Affordable website and scroll down to "Availability."

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