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Money and wallet

The Kentucky Homeowner Assistance Fund has increased the amount of funds a homeowner can receive to stop foreclosure and help with loss of utilities.

Who is eligible?

To be eligible for the Team Kentucky Homeowners Assistance Fund (HOAF) program, the applicant must:

  • Have experienced and be able to document a financial hardship after January 21, 2020 due to COVID-19; and
  • Occupy the property as their principal residence at the time the hardship occurred; and
  • Have an income less than 150% of the area median income 

To check what the median income in your county is go here:

Important Note:  Financial hardships caused by inflation, rising costs of gasoline or groceries, are NOT qualifying hardships for this program.  Homeowners with inflation-related financial hardships, should work with their mortgage servicer or housing counselor to seek other alternatives.

What can the funds be used for?

  • 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.

This program will operate until September 2025 or until all grant funds are spent.

For more information and to see if you are eligible, go to: