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Protect My KY Home Team Kentucky

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 Homeowner Assistance Fund (HOAF)

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Homeowner Eligibility​*

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To be eligible* for the Team Kentucky Homeowners Assistance Fund (HOAF) program, the applicant must have experienced and attest to a financial hardship after January 21, 2020 due to COVID-19 and have an income less than 150% of the area median income (see chart below for details​).

Applicants who have been affected by COVID-19 resulting in disability will provide the date of approval for disability.

*Eligibility does not guarantee approval of funds. 

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Occupancy​

​Homeowners must occupy the residence as their Principal Residence at the time of hardship and after the closing.

Important Note: Financial hardships caused by inflation, rising costs of gasoline or groceries, are not qualifying hardships for this program.  Homeowners with inflation-related financial hardships, should work with their mortgage servicer or housing counselor to seek other alternatives.


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Homeowner
Eligibility
Required
Documentation​
HOAF
Questions
Apply for
Assistance
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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​. ​​​​​​​​​​

Income Limits

For detailed information, see our HOAF Income Limits Chart​.