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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.

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