BEWARE: Only use protectmykyhome.org and teamkyhaf.ky.gov when applying for mortgage assistance. Other websites, including teamkyhaf.com, are not affiliated with the Homeowner Assistance Fund or the Kentucky Homeownership Protection Center.
Protect My KY Home Team Kentucky

 Help for Homeowners

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Homeowner Assistance Fund Now Open​

Kentucky homeowners can now apply for assistance through the Team Kentucky Homeowner Assistance Fund, ​a ​federal program that provides homeowners help with their mortgage and housing-re​lated expenses so they can avoid foreclosure. 

Click the Apply for Assistance​ button below to start an application. If you need help uploading documents, watch this instructional video​.

Apply for Assistance

Qualifying homeowners may receive up to $35,000 in assistance to repay delinquent mortgage bills, utility payments, insurance premiums, property taxes and homeowner's association fees. Payments will be made directly to the agencies owed.​ A complete list of participating servicers is here.

  • Funds will be available until fully expended or September 30, 2025, whichever comes first.
  • Homeowners must meet certain income guidelines. Check the income calculator​ to see if you qualify.
  • Applicants must be living in the home, and were living in it during the pandemic hardship, for which they are applying for assistance.
  • ​​Utilities include electric, water, sewer and gas. 
  • To qualify, homeowners must work with a participating HAF housing counselor​, who will walk them through the process. Click here​ to contact a counselor.
  • Homeowners must provide verification of income and an assessment of their home and property.
  • All documents will be electronically signed.

For an overview of the program as well as other options to help you recover from the financial impacts of COVID, watch the video below​. For details about eligibility and documentation required for your application, click the buttons below. You can also view answers to frequently asked questions. 


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For more Homeowner Assistance Fund videos, click here​



Program Progress 

Before the application portal could open and Team Kentucky could offer relief to homeowners, it had to accomplish five goals. We are now in Step 5: Program Open.

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Looking for the Media Toolkit? Visit the HOAF Media Toolkit page for media resources including videos and press releases for the Team Kentucky HO​AF program.​ To see additional help available to Kentuckians in need, visit Kentucky Housing Corporation's resources page​. ​​​​​​​​​​