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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 (HOAF) 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 an​​d 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 home


  • 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. The entire application process for this program can be completed online. Homeowners can sign up to receive notification when the application portal opens at www.ProtectMyKYHome.org. This site contains all the information you will need to begin your application for assistance, with step‐by‐step instruction and prompts to help you.

You simply click “Get Free Help" and enter minimal information. Once completed, the system will assign a counselor to you and will then lead you to a list of documents to upload to the secure site. Your counselor will assist with uploading the required documents.​

*If you do not have access to the Internet from your residence, public computers can be found throughout many communities at public libraries, schools or educational centers, or government‐run facilities in your county. This portal, when live, will be mobile friendlyallowing access from any smart phone or tablet.*

A. You will need access to upload your: mortgage statement, copies of 2019, 2020 Federal tax returns, paystubs from recent or past employer, bank statements, unemployment statement (if applicable), photo ID, past due utility bill (if applicable), past due homeowner association bill (if applicable), and copy of your county tax bill (if applicable).

A. A HUD-approved housing counselor is specially trained and certified by the government to help you assess your financial situation, evaluate options if you are having trouble paying your mortgage loan, and make a plan to get you help with your mortgage. For the purposes of the Homeowner Assistance Fund program, your assigned counselor will assist you with your application/ housing needs.

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. The entire process can take 45-days or more depending on the needs of the homeowners and the status of the completed application.

A. KHC has been chosen to administer this program and will launch statewide hopefully by the end of 2021.

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

A. Homeowners may apply once.

A. Kentucky Housing Corporation will work to connect each homeowner with all available options to assist with their needs.

A. The Homeowner Assistance Fund program is designed to assist homeowners one-time. Homeowners are encouraged to work with their housing counselor to address long-term affordability barriers.

A. Applicants may be in active or discharged Chapter 7 or 13 bankruptcies to participate in HOAF. KHC does not require the reaffirmation agreement following a Chapter 7 bankruptcy. However, the Mortgage Servicer(s) may object to mortgagors in active bankruptcy.

A. Mortgage servicers may enroll in the program by contacting Kentucky Housing Corporation. Homeowners may also email ProtectionCenter@kyhousing.org to report a new servicer. Be sure to include the name of the mortgage servicer and name, phone number, and email address of contact person.

A. The homeowner assistance fund is not able to pay any past due lot rents.

A. A land contract or other seller-financed mortgages, is ineligible for the Homeowner Assistance Fund program.

A. Homeowners may only retain six (6) months PITI (Principal, Interest, Taxes, and Insurance) in liquid assets. This excludes retirement accounts, like IRA’s, 401k, or other tax deferred accounts. Certificates of Deposit are considered liquid assets. Anything liquid assets exceeding six months’ PITI may be used toward mortgage payments or other debts before you are eligible for HAF.

A. The Homeowner Assistance Fund Program is intended to provide a one-time relief of a temporary financial crisis related to the COVID-19 pandemic. Homeowners experiencing long-term or permanent financial impacts should work with their housing counselor and mortgage servicers to determine if any measures are available to help make the situation affordable. If there are no other options, homeowners may want to explore other options, including but not limited to, selling the house, and finding something more affordable.

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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 HOAF program.​ To see additional help available to Kentuckians in need, visit Kentucky Housing Corporation's resources page​. ​​​​​​