The Homeowner Assistance Fund was established by Section 3206 of the American Rescue Plan Act of 2021 to help families who are behind on their mortgages or are facing foreclosure as a result of the COVID-19 pandemic.

Through the act, the Hawaii State Department of Budget and Finance (B&F) received a total award of $50 million. The total award was split up and allocated to the counties of Maui, Kauai and Hawaii, as well as the island of Oahu.

For those who qualify, the program may provide mortgage counseling or legal services and may cover up to $30,000 in delinquent mortgage and other delinquent eligible household expenses going back to January 21, 2020.

Priority is given to homeowners with incomes at or below 100% AMI as well as those considered socially disadvantaged and are delinquent on their mortgage or other eligible household expenses.

Applicants needing special accommodations to complete their applications are encouraged to call or email CNHA. Contact information is below.


Program update as of August 26, 2022

On Monday, August 29 at 10 a.m., the Oʻahu Homeowner Assistance Fund (OHAF) will reopen to accept applications from Oʻahu residents who may be eligible to receive financial assistance, mortgage counseling, legal services and other resources to help them avoid foreclosure as a result of the pandemic. To apply for OHAF, please visit the CNHA website at www.hawaiiancouncil.org/oahuhome.

For more information and updates on the Oʻahu HAF program — including a list of the participating service lenders — please visit the CNHA website at www.hawaiiancouncil.org/oahuhome. Oʻahu homeowners should direct questions about the program to CNHA by emailing [email protected] or calling (808) 596-8155, option 1, during regular business hours.


Homeowner assistance programs are also underway in Hawaiʻi, Kauaʻi and Maui counties. Homeowners on those islands should visit the program websites below to apply:


HAF State Plans can be accessed through the U.S. Department of Treasury’s web site here.

The Hawaii Housing Assistance Fund (HAF) 2022 Annual Report is here.

This website is supported, in whole or in part, by federal award number HAF0002 awarded to the State of Hawaii by the U.S. Department of the Treasury.