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Michigan Homeowner Assistance Fund (MIHAF)

The Michigan Homeowner Assistance Fund (MIHAF) is nearing the end of its federal funding and will stop accepting new applications at 11:59 p.m. Friday, December 8th, 2023.

MIHAF staff will continue to review submitted applications based on program guidelines until all program funds have been committed for payments. 

After Dec. 8th 2023, any homeowner needing assistance can be added to a wait list by applying here or by calling MIHAF customer service at 1-844-756-4423 or by emailing MSHDA-HO-HAF-Program@michigan.gov

Being added to the Wait List does not guarantee assistance. Please watch for official communication from the MIHAF program and respond as soon as possible to requests for additional information.

For help with other home-related delinquencies, please visit 211 of Michigan at mi211.org. They have a list of organizations that may be able to help Michigan homeowners with emergency living and utility expenses.

You may be eligible for up to $25,000 in relief, but time and funds are running out. Apply today!

Michigan Homeowner Assistance Fund (MIHAF)

Whitmer - Governor Whitmer Launches Program for Michigan Homeowners Experiencing Hardships

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.

MIHAF Informational Webinar 12/08/2022 

MSHDA opened the MIHAF program to the public on February 14, 2022

*****Please understand there is a high volume of MIHAF applications, and your application may take 6-8 weeks to process.  Applications are reviewed in the order they are received.    You may check the status of your MIHAF application in the link below. *****  

Who Is Eligible?

  • Homeowners with household incomes less than 150% of Area Median Income (AMI)
  • Homeowners who own and occupy the property as their primary residence
  • Homeowners must have and explain a financial hardship directly related to COVID-19 on or after January 21, 2020

Up to $25,000 Grant Per Household to Pay:

Are you a Michigan homeowner or do you know someone who has fallen behind on their mortgage, property taxes or other housing-related expenses due to income loss or increased expenses caused by the COVID-19 pandemic? 

You may be eligible for up to $25,000 in relief, but time and funds are running out. Apply to the wait list today!

Michigan Homeowner Assistance Fund (MIHAF)

Whitmer - Governor Whitmer Launches Program for Michigan Homeowners Experiencing Hardships

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.

MIHAF Informational Webinar 12/08/2022

MSHDA opened the MIHAF program to the public on February 14, 2022

*****Please understand there is a high volume of MIHAF applications, and your application may take 6-8 weeks to process.  Applications are reviewed in the order they are received.    You may check the status of your MIHAF application in the link below. *****  

Who Is Eligible?

  • Homeowners with household incomes less than 150% of Area Median Income (AMI)
  • Homeowners who own and occupy the property as their primary residence
  • Homeowners must have and explain a financial hardship directly related to COVID-19 on or after January 21, 2020

Up to $25,000 Grant Per Household to Pay:

  • Delinquent mortgage/housing expenses, including property tax and insurance escrow shortages
  • Delinquent land contract payments, mobile home consumer loan payments or mobile home park lot payments
  • Delinquent property taxes (all years)
  • Delinquent condominium/homeowners' association fees
  • Delinquent homeowner's insurance,
  • Delinquent utilities, gas, electric, water, sewer
  • Delinquent internet broadband services
  • Delinquent mortgage/housing expenses, including property tax and insurance escrow shortages
  • Delinquent land contract payments, mobile home consumer loan payments or mobile home park lot payments
  • Delinquent property taxes (all years)
  • Delinquent condominium/homeowners' association fees
  • Delinquent homeowner's insurance,
  • Delinquent utilities, gas, electric, water, sewer
  • Delinquent internet broadband services

How Do I Apply to the waitlist?

    • Use the secure online Wait List portal CLICK HERE to submit your information to the wait list for possible assistance.
    • This is the best way to apply for those who have a smart phone, tablet, or computer.
    • Please review the Acceptable Documentation List and be prepared to provide supporting documentation, such as photo ID, social security number, monthly income/benefit statement, and delinquent housing expense statements.
    • Program questions please call Customer Service 844-756-4423 or email MSHDA-HO-HAF-Program@michigan.gov

Join the MIHAF Waitlist here

 

Prioritization of Households

The Federal Homeowner Assistance Fund Program requires a prioritization of assistance for both households with incomes equal to or less than 100% of Area Median Income (AMI) and those identified as Socially Disadvantaged Individuals (SDI). SDI households may have been subjected to racial or ethnic prejudice or cultural bias within American society because of their identities as members of groups and without regard to their individual qualities.  Social disadvantage must stem from circumstances beyond their control.

All MIHAF applications will be reviewed and determined eligible on a first come, first serve basis.

MSHDA's program New Term Sheet effective for applications received on or after 1/10/23 provides greater details on the MIHAF program.

Become a MIHAF Partner

LENDING PARTNER:

Lenders, mortgage companies, reverse mortgage companies and mortgage servicers can become a MIHAF PARTICIPATING PARTNER by completing the MIHAF Collaboration Agreement and MIHAF Service Provider Contact and ACH Instructions below.

SERVICE PARTNER:

County Treasurers, land contract holders, mobile home lenders. mobile home parks, condominium/homeowners' associations, homeowner’s insurance company, utilities, gas, electric, water, sewer, and internet/broadband services can become a MIHAF PARTICIPATING PARTNER by completing the MIHAF Provider Participation Agreement and the MIHAF Service Provider Contact and ACH Instructions below.

MIHAF Partner Agreements

Become a MIHAF Partner

LENDING PARTNER:

Lenders, mortgage companies, reverse mortgage companies and mortgage servicers can become a MIHAF PARTICIPATING PARTNER by completing the MIHAF Collaboration Agreement and MIHAF Service Provider Contact and ACH Instructions below.

SERVICE PARTNER:

County Treasurers, land contract holders, mobile home lenders. mobile home parks, condominium/homeowners' associations, homeowner’s insurance company, utilities, gas, electric, water, sewer, and internet/broadband services can become a MIHAF PARTICIPATING PARTNER by completing the MIHAF Provider Participation Agreement and the MIHAF Service Provider Contact and ACH Instructions below.

MIHAF Partner Agreements

MIHAF Partner Marketing Toolkit

The Michigan Homeowner Assistance Fund (MIHAF) Marketing Toolkit is now available to help organizations inform and engage eligible homeowners. This toolkit includes flyers, FAQ information, social media content for Facebook, Twitter, and LinkedIn, along with other resources for effective marketing campaigns to reach those in need.

MIHAF Resources