The Maryland Homeowner Assistance Fund (HAF) and HAF WholeHome programs ended September 18, 2023. Applications are no longer being accepted as the funding has been completely allocated to homeowners and the federal funding for this program has ended. If you have questions about an existing application please call 1-877-462-7555 or login to the application portal.
If you are currently experiencing issues paying your mortgage, contact your servicer to inquire about forbearance options. To be connected to housing counseling and legal services, call 1-877-462-7555 or see
Participating Housing Counseling and Legal Services Agencies to find an agency that can work with you to access relief.
The Maryland Homeowner Assistance Fund and HAF WholeHome Grants have helped over 25,000 Maryland residents (84% are low- and moderate-income borrowers) who were behind on mortgage payments and other housing costs since the HAF program launched in 2021 in response to the COVID-19 pandemic. The average mortgage and other housing costs assistance provided was approximately $29,000 per household, and a maximum of $10,000 per file, in assistance for critical repairs.
Maryland Department of Housing and Community Development staff are still diligently working with the homeowners who applied on the HAF portal, qualified for and received funding while the program was open and will continue to service the HAF loans and provide ongoing support and education to them. For questions about terms of the HAF mortgage, mortgage lien releases, payoff quotes, etc., please call 1-833-519-7405 or email
HAFServicing.dhcd@Maryland.gov.
All remaining program applications, including those on the waitlist, are being processed and applicants are being notified of their status. The department is also ensuring those who are denied or are waitlisted are referred to other resources. The department continues to encourage Marylanders facing foreclosure to work closely with their mortgage servicers and reach out to housing counselors to receive support in accessing loss mitigation assistance from their mortgage servicers and to provide referrals for other assistance programs, such as the Homeowner Protection Program (HPP) administered by the State Department of Assessments and Taxation, to assist with delinquent property tax bills.
The Maryland Department of Housing and Community Development was able to quickly administer this federal funding during the pandemic to assist the thousands of homeowners affected by hardships caused by COVID-19. See more about the program’s impact below.
“This is to thank everyone at HAF for all they have done throughout the course of this case. I didn't know what to do or where would I go if I had no home. C.T., my lawyer, told me about HAF. That was the best thing that could have ever happened to me. God Bless everyone who works at HAF. You saved my home.” - Estella G.
Maryland Homeowner Assistance Fund Testimonial
“If it were not for DHCD and its Homeowner Assistance Fund team, I would have lost my home to foreclosure. I was in a Chapter 13 bankruptcy and fell behind on mortgage payments due to COVID-related income reduction. I had consultations with two lawyers and they both informed me that time was not on my side and to try to sell my house as quickly as possible so I could get some equity out of it, but they were even pessimistic about that. I'm a single parent and was very scared of how losing my home would impact my 12-year-Old daughter. My home was about 7 days away from a foreclosure sale when HAF stepped in and processed my application. The foreclosure sale was canceled two days later and my loan was reinstated. HAF also paid for my water bill arrears! Shout out to HAF for having such amazing staff!” – A.K., Bowie, MD
