NC Homeowner Assistance Fund

Blue house with NC Homeowner Assistance Fund next to it

The NC Homeowner Assistance Fund was established through the 2021 American Rescue Plan to prevent mortgage delinquencies, defaults, displacements and foreclosures for homeowners experiencing financial difficulties due to the coronavirus pandemic.

The law allocates funding for all 50 states, the District of Columbia, Puerto Rico, and eligible territories and tribal authorities to provide relief for our country’s most vulnerable homeowners. Based on guidance from the US Department of the Treasury, each state developed its own plan. North Carolina was allocated $273 million and developed the NC Homeowner Assistance Fund that is tailored to meet the needs of most North Carolina homeowners impacted by the pandemic, particularly those with low and moderate incomes. Please note that this program is for homeowners who are at least 30 days delinquent on their mortgage or housing-related payments. If you are current on your payments, but still need assistance, please review our Resources for other programs that may be able to help you.

NC Homeowner Assistance Fund Plan as approved by US Treasury

NCHAF Treasury Annual Performance Report (As of September 30, 2022)

NCHAF Treasury Annual Performance Report (As of September 30, 2023)