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Protect My KY Home Team Kentucky


 Help for Homeowners


Homeowner Assistance Fund

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

HOAF accepts applicants experiencing indirect COVID-related financial hardships, such as losses of income that the stresses or impacts of COVID contributed to or caused. Eligible hardships must be associated with the coronavirus pandemic but not necessarily caused by an individual becoming ill with COVID-19. 

For example, a divorce could be eligible if the stresses of the pandemic caused or contributed to the divorce. 

HOAF offers partial claim loan deferral assistance, too. Many homeowners restructured their home loans during COVID, lowering their monthly payments and deferring debt to the end of their mortgage. This new program helps pay up to $60,000 of that delayed debt and could help increase the home's equity. 

Homeowners must sign a hardship affidavit saying their hardship occurred after January 21, 2020, and was associated with the COVID-19 pandemic. Homeowner applicants must attest to the ​loss of income as a result of the pandemic-related hardship.  ​​

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

Apply for Assistance

Effective with new grant agreement executions on or after Monday, October 17, 2022, q​ualifying homeowners* may receive up to $60,000 in assistance (per homeowner/household) 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. 

*Eligibility does not guarantee approval of funds. 




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.

HOAF program overview information can be found on the HOAF Dashboard page​.​



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​. ​​​​​​​​​​