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

Beware of scams

The NC Homeowner Assistance Fund is close to running out of funds and will be closing very soon. Because we look at how much funding is available daily, we will not be able to provide notice prior to the program closing. If you have not completed and submitted your application or have not submitted all required documents, we urge you to do so today.

If you do not submit an application before the program closes, you will not be considered for funding. All applications are subject to the availability of funds and eligibility review. Remaining funds will be awarded in the order of approved applications.

If you have any questions, please contact the NCHAF Call Center at 855-696-2423, Monday – Friday.


NC Homeowner Assistance Fund

The NC Homeowner Assistance Fund was established through the 2021 American Rescue Plan to prevent mortgage delinquencies, defaults, displacements and foreclosures for homeowners experiencing financial difficulties due to the coronavirus pandemic.

The law allocates funding for all 50 states, the District of Columbia, Puerto Rico, and eligible territories and tribal authorities to provide relief for our country’s most vulnerable homeowners. Based on guidance from the US Department of the Treasury, each state developed its own plan. North Carolina was allocated $273 million and developed the NC Homeowner Assistance Fund that is tailored to meet the needs of most North Carolina homeowners impacted by the pandemic, particularly those with low and moderate incomes. Please note that this program is for homeowners who are at least 30 days delinquent on their mortgage or housing-related payments. If you are current on your payments, but still need assistance, please review our Resources for other programs that may be able to help you.

NC Homeowner Assistance Fund Plan as approved by US Treasury

NCHAF Treasury Annual Performance Report (As of September 30, 2022)

Click here to see how we are doing

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 or 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, homeowners association dues/fees or delinquent property taxes to prevent foreclosure.

Assistance is available up to $40,000 per household. Funds are limited.

If you are experiencing financial hardship due to job loss/business closure, reduction in hours or pay, difficulty obtaining new employment, death of a spouse or co-borrower or increased expenses due to the pandemic, you could be eligible for assistance. Increased expenses can be due to health care, the need to care for a family member, increased child care costs due to school closures or increased costs associated with quarantine.

See If I’m Eligible

NC Housing Finance Agency

The NC Housing Finance Agency provides safe, affordable housing opportunities to enhance the quality of life of North Carolinians. Since its creation by the General Assembly, the Agency has financed more than 298,860 affordable homes and apartments, totaling $29.16 billion.

The Agency provides financing through the sale of tax-exempt bonds and the management of federal tax credit programs, the federal HOME Program, the State and National Housing Trust Funds, the Homeowner Assistance Fund and other programs.