BEWARE: Only use protectmykyhome.org and teamkyhaf.ky.gov when applying for mortgage assistance.
Other websites, including teamkyhaf.com, are not affiliated with the Homeowner Assistance Fund or the Kentucky Homeownership Protection Center.

Program Purpose

To assist Kentucky homeowners who have been impacted by COVID-19 avoid foreclosure or loss of utility services by providing direct relief.

Maximum Assistance

The maximum assistance available is up to $35,000 per homeowner/household.

Eligible Uses

  • Mortgage assistance for up to six (6) months and/or mortgage reinstatement of past due balance.
  • One-time reinstatement of past due, non-escrowed, property tax bills.
  • One-time reinstatement of past due, non-escrowed, homeowners and/or flood insurance bills.
  • One-time reinstatement of past due homeowner’s association/condominium dues/liens.
  • One-time reinstatement of past due utility (electric, gas/heat, water/sewer) bills. This is not emergency utility assistance. Application processing and review times may vary.

Funding Availability

This program anticipates operating through September 30, 2025 or until funds are exhausted.
Check Your Income Eligibility

County
Total number of individuals living in the household?
Total annual household income for 2021 (before taxes and deductions)
$

(OR)
Monthly Income (Amount earned over the last 30 days before taxes and deductions)
$