Homeowner Assistance Fund (HAF)

The program is now closed. For questions on RAFT, scroll to the contact section below.

Additional Housing-Related Resources for Homeowners who are having difficulty paying their mortgage:

• If your foreclosure is scheduled in the next 7 days, you should reach out to the Massachusetts Division of Banks (DOB) to request assistance in preventing your foreclosure. Click here to find out how to contact the DOB.      
• Beginning on July 1, 2023, the state-funded Residential Assistance for Families in Transition (RAFT) program became available to low-income homeowners who are at risk of foreclosure. Eligible homeowners may apply for RAFT through the Emergency Housing Payment Assistance Portal.
• To find a HUD-Approved Housing Counseling Agency in Massachusetts click here.
• To apply for Rental Assistance click here.
• For information about Utility Assistance click here.
• For Legal Assistance Available in Massachusetts click here.
• For Language Assistance click here.

Mental Health Resources

• If you or someone you know is experiencing a mental health crisis and/or suicidal thoughts, please call or text 988, which is the national suicide and crisis number. The 988 Suicide & Crisis Lifeline is available 24 hours a day, 7 days a week. You can also access the chat feature on the website: https://988lifeline.org/contact-the-lifeline/.
• If you are looking for qualified professionals for mental health assessments and/or mental health referrals, please contact the Massachusetts Behavioral Health Helpline by calling or texting 833-773-2445 (BHHL). The helpline is available 24 hours a day, 7 days a week. You can also access the chat feature on the website: https://www.masshelpline.com/contact/#. 

Massachusetts Homeowner Assistance Fund Summary

The Massachusetts Homeowner Assistance Fund (Mass HAF) was funded by the American Rescue Plan Act (ARPA) to help Massachusetts homeowners impacted by COVID-19. Mass HAF was administered by the Massachusetts Housing Partnership (MHP) and the Massachusetts Housing Finance Agency (MassHousing), in collaboration with the Massachusetts Executive Office for Administration and Finance (A&F), the Massachusetts Executive Office of Housing and Livable Communities (EOHLC), and the Massachusetts Division of Banks (the Division).

The dashboard below provides a visual overview of the HAF to date.

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