Massachusetts Homeowner Assistance Fund

Home owners assistance Fund

The Massachusetts Homeowner Assistance Fund (Mass HAF) is now available to for homeowners who are behind on their mortgage payments by at least three months because of the COVID-19 pandemic. The goal of HAF is to prevent foreclosures and displacements of eligible homeowners. Mass HAF is funded by the American Rescue Plan Act (ARPA).

You may qualify for Mass HAF if:

  • You own and live in a condominium, single family-home, or a 2-, 3- or 4-family property in Massachusetts
  • You are behind on your mortgage payments by at least 3 months
  • You or someone in your household had their income go down, or living expenses go up, after January 21, 2020 because of the COVID-19 pandemic. This includes job loss, fewer work hours, paying more for childcare, illness, or being unable to work because you had to take care of a family member
  • You meet the program’s income limits

Mass HAF assistance is for overdue mortgage payments and if you qualify, your mortgage servicer would be paid directly. The assistance is a grant not a loan. You do not have to pay it back.

Learn if you qualify for Mass HAF at

How to Apply

The application is online. Learn more and apply at You can also complete a short online screener to see if you qualify. If you have questions about Mass HAF, you can call 833-270-2953, Monday – Saturday, 8 a.m. – 7 p.m.
You can also work with a non-profit housing counseling agency who can help you apply.

For more questions, please contact La Colaborativa’s Consumer Protections Specialist, Cristina Gonzalez,