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, & Hawaii, as well as the island of Oahu.

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

Priority will be for homeowners with incomes at or below 100% AMI as well as those considered socially disadvantaged and are behind on their mortgage. 


(Program update as of March 4, 2022)

The state’s O’ahu Homeowner Assistance Fund (O’ahu HAF) program is temporarily closed to new applicants in order to process the initial round of applications received.

 This temporary halt allows program administrators time to review eligibility of the first 1,000 applications submitted since the Oahu HAF program opened on January 21, 2022. The Council for Native Hawaiian Advancement (CNHA) was hired by the state to administer the program.

Once the first 1,000 applicants are verified, the application portal will be reopened at a later date to handle the next round of applications. People who have partially completed their online applications should continue to work with CNHA in submitting required information and other application materials through the personalized link they were provided.

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 ohaf@hawaiiancouncil.org 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 contact:


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