A.Applicants should document how the COVID-19 pandemic has affected them. Applicants claiming an increase in expenses will be asked to provide correlating documentation in the application portal. General increases in expenses related to utility bills, gas and groceries are not applicable hardships and will not be considered for the Homeowner Assistance Fund (HOAF).
Starting in 2023, HOAF now accepts applicants experiencing indirect COVID-related financial hardships, which are 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.
Homeowners must sign a hardship affidavit saying their hardship ocurred after January 21, 2020, and was associated with the COVID-19 pandemic. Homeowner applicants must be able to document a minimum 10 percent loss of income as a result of the pandemic-related hardship.
For more information, speak with a housing counselor.