Am I Eligible?

The NC Homeowner Assistance Fund may be able to help with housing payments if you have had a financial hardship during the pandemic and are behind on your housing costs related to your home in North Carolina. Financial hardship can be due to job loss/business closure, reduction in hours or pay, difficulty obtaining new employment, death of a spouse or co-borrower or increased costs due to the pandemic. Increased costs 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.

Answer the questions below to see if you might be eligible:

• Do you own a primary residence in North Carolina?
• Have you experienced a pandemic-related financial hardship after January 21, 2020? Including a hardship that began before January 21, 2020 but continued after that date?
• Are you at least 30 days past due on your mortgage payment or on other housing-related payments, such as homeowner’s insurance, flood insurance, mortgage insurance, homeowner’s association dues or overdue property taxes, or do you need assistance for mortgage reinstatement?
• Does your income fall below $90,000? If it is higher, you still may qualify under certain circumstances—check here. Please note that the program targets low- and moderate-income homeowners per guidelines from the US Department of the Treasury.

If you answered “yes” to these questions, you may be eligible to receive up to $40,000 in assistance. If you’re not eligible for this program, you can find additional resources available here. Please note that funds are limited.