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There is no cost to apply for this program. Funds are limited.

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Please note that our application portal will be down from 7pm to midnight on Sunday, August 21 for routine maintenance. If you have an application in process, it will be saved and accessible when the site is back up.

Help is Here

with the NC Homeowner Assistance Fund

COVID has not only put our health at risk, but our homes too.

If the economic impacts of the pandemic have caused you to fall behind on your mortgage or housing-related payments by at least 30 days, you may be eligible for assistance. Read on to learn more.

What is it?

Established through the American Rescue Plan of 2021, the NC Homeowner Assistance Fund was created for homeowners in North Carolina to help prevent mortgage delinquencies, defaults, displacements and foreclosures due to COVID-19.

Learn More.

What Does it Cover?

For qualified homeowners who are past due on mortgage and housing-related payments by at least 30 days, the fund offers:

  • Housing payment assistance for primary residence in North Carolina (for example, single-family home, townhome, condo or mobile home).
  • Assistance for mortgage reinstatement to catch up on late payments (first and second mortgages) or other housing-related costs due to a period of forbearance, delinquency or default.
  • Assistance covering other housing-related costs such as homeowner’s insurance, flood insurance, mortgage insurance, homeowner’s association dues/fees or delinquent property taxes to prevent foreclosure.

There is no cost required to participate in the NC Homeowner Assistance Fund.

Beware of scams

See If I'm Eligible and Apply

PARTICIPATING MORTGAGE SERVICERS