Homeowner Assistance Fund (HAF)

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).

Table of Contents

The program is now closed.

For questions on applications submitted before July 1, 2023, you can email MassHAF@mhp.net or call the call center at (833) 270 – 2953, Monday-Friday, 10:00 a.m-8:00 p.m. (interpreter services are available).

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

Contact for Homeowner Assistance Fund (HAF)

Online

You can reach the program by email at Email Mass HAF Call Center at MassHAF@mhp.net

Phone

For questions on applications submitted before July 1, 2023, you can call the call center at (833) 270 – 2953, Monday-Friday, 10:00 a.m-8:00 p.m. (interpreter services are available). https://massmortgagehelp.org/ Call Mass HAF Call Center, For questions on applications submitted before July 1, 2023, you can call the call center at (833) 270 – 2953, Monday-Friday, 10:00 a.m-8:00 p.m. (interpreter services are available). https://massmortgagehelp.org/ at (833) 270 – 2953

Online

Beginning on July 1, 2023, the state-funded Residential Assistance for Families in Transition (RAFT) program will become available to low-income homeowners who are at risk of foreclosure. Eligible homeowners may apply for RAFT through the Emergency Housing Payment Assistance Portal. 

Phone

Call or text anytime - available 24 hours per day, 365 days per year

Phone

Free and confidential. Call or text anytime, available 24/7. | Veterans: Press 1, Spanish Line: Press 2, LGBTQ+ Youth: Press 3 | TTY Users: use your preferred relay service or dial 711 then 988

Help Us Improve Mass.gov with your feedback

Feedback