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Protect My KY Home Team Kentucky

 Frequently Asked Questions

The program has not been approved, and funding is not yet available. The information below is based on the program's proposed design.​


Homeowners Assistance Fund

A. Established by the American Rescue Plan Act of 2021, the Homeowner Assistance Fund is a program created to mitigate financial hardships associated with the coronavirus pandemic by providing funds to eligible entities for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities, and displacements of homeowners experiencing financial hardship after January 21, 2020 (per United States Department of Treasury (U.S. Treasury) guidance).

A.  No. This program is being funded through the department of Treasury and administered by the Kentucky Housing Corporation. KHC mission: We envision all Kentucky families and individuals living in quality housing they can afford. KHC is a quasi-government agency, which is administratively attached to the  Kentucky Finance and Administration Cabinet . We are the chosen Federal partner to administer these grants to homeowners.

A.  The Homeowners Assistance Fund (HOAF) will be administered as a grant and will assist with delinquent: mortgages, property taxes, utilities, homeowner’s association dues, and homeowner’s/flood insurance premiums.


A.  Homeowner’s primary residence must be in Kentucky and can be any of the following structures:

  • A single family home;
  • A condominium
  • A townhome
  • A manufactured or mobile home on a foundation permanent affixed to real estate owned by homeowners


  • The property cannot be abandoned, vacant or condemned; and
  • The homeowner cannot have more than one property as their primary residence 

A. Homeowners will be eligible for up to $35,000 to pay eligible expenses caused by the COVID-19 pandemic.​

A. Those who are eligible and receive assistance will have the assistance paid directly to their mortgage servicer, county property tax administrator, utility company or homeowners association. Monies will not be paid directly to the homeowner.​

A. To apply for financial assistance from HAF, you will need to use our web‐based portal from a computer with Internet access. The portal is not live yet, but visit our sign up page​ for more information. 

A. Once you upload a completed application with all the necessary documentation, your counselor will review and begin the submission process. Signatures will be completed by electronic signature, Docusign. Processing time will vary depending on each case.

A. KHC has been chosen to administer this program and will launch statewide hopefully by the end of 2021. We are still waiting on program approval from Treasury.​

A. Not all homeowners will qualify through the Homeowner Assistance Fund. The U.S. Treasury has provided initial eligibility criteria. Additional qualifiers will be used to identify eligible Kentucky homeowners. These will be shared when the program opens to the state.

A. Please continue to visit our sign up page​ for more information on the Homeowner Assistance Fund as details become available. There you can also sign-up to receive email updates about the program and follow our progress tracker.

A. Yes, KHC administers the Healthy at Home Emergency Relief Fund​ to assist renters.​ Information about the program can be found at teamkyhherf.ky.gov​.

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