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

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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.

Ready to Apply?

Our team looks forward to helping you throughout the application process. There is no cost required to participate in the NC Homeowner Assistance Fund. The Application Checklist can help you prepare to apply with a list of documents and information you will need to have handy.


If you have already registered and need to complete your application or check on its status, use the button below:


If you are unable to register online or need assistance (including language help if your preferred language is not English or Spanish), please contact the NC Homeowner Assistance Fund Call Center from 8 a.m. – 8 p.m., Monday through Friday: 855-MY-NCHAF (1-855-696-2423).