Michigan Homeowner Assistance Fund (MIHAF)

The Homeowner Assistance Fund was established under section 3206 of the American Rescue Plan Act of 2021 (the ARP) to mitigate hardships associated with the coronavirus pandemic by providing funds to prevent homeowner mortgage delinquencies, defaults, foreclosure, loss of utilities or home energy services and displacements of homeowners experiencing financial hardship on or after January 21, 2020 or for those homeowners who experience a coronavirus pandemic financial hardship that began before January 21, 2020 but continued after that date.

The U.S. Department of the Treasury notified MSHDA on April 14, 2021 that it will allocate $242,812,277 to the State of Michigan. This number was based on unemployed individuals and the number of mortgagors with delinquent mortgage payments.

Governor Gretchen Whitmer has designated the Michigan State Housing Development Authority (the Authority or MSHDA) as the operating agency to set up the Michigan Homeowner Assistance Fund (MIHAF) program in accordance with the guidance provided by the Treasury.

MSHDA intends to launch the MIHAF program to the public in the fourth quarter of 2021. An online and mobile application portal is currently under development. Applicants will be able to apply and submit required documentation through the web-based application or may be assisted by a third-party counseling agency or legal aid office. We will partner with Michigan 2-1-1, a Michigan nonprofit organization, to serve as statewide call center support to answer questions, provide program details and assist homeowners with application submissions.

Eligible uses:

  • Delinquent mortgage/housing expenses, escrow shortages, and corporate advances
  • Delinquent land contract payments, mobile home consumer loan payments or contracted park lot payments
  • Property taxes
  • Condominium/homeowners' association fees
  • Homeowner's insurances, hazard, flood, or mortgage insurance
  • Utilities, gas, electric, water, sewer
  • Internet broadband services

MSHDA's program Term Sheet provides greater details on the MIHAF program.

Homeowners, add your best email to our list to be contacted when MIHAF launches.

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