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Hardest Hit Fund

Additional help for homeowners in hardest hit states. This program was created to help homeowners in states affected by housing price declines and the recession. If you're having difficulty making your mortgage payments and you live in a participating state, the Hardest Hit Fund may be an option.

Is the Hardest Hit Fund right for me?

Program goal

The federal government created the Hardest Hit Fund (HHF) to help homeowners in states that have been affected the most by recent housing and economic downturns. The Hardest Hit Fund includes multiple programs developed for homeowners faced with different types of financial hardship. These programs are available in select states, with eligibility and assistance amounts determined by each state.

Choose your state to learn about available programs

Select your state to see which programs are available. Visit your state's website for program details, requirements and information on how to apply. Eligibility, level of financial assistance and length of assistance are determined by each participating state. Because these programs change frequently, we recommend checking back often for updates.

All Hardest Hit Funds Programs



Visit your state's Hardest Hit Fund website to learn more and apply for the following programs:


Your state does not participate in any Hardest Hit Fund programs.
However, other programs may be available to help youother programs may be available to help you.

Hardest Hit Fund Frequently Asked Questions

It's made up of funds that the federal government distributes to the states that were hardest hit by the economic crisis. It includes a set of programs designed to help homeowners faced with a variety of financial hardships.

If you haven't completed a short sale or deed in lieu and your property is in a participating state, you may be eligible for the Transition Assistance Program, which is part of the Hardest Hit Fund.

See if your state participates in one or more Hardest Hit Fund programs. If so, visit your state's website as soon as possible for more information on how to apply.

If you live in Arizona, California or Ohio, your loan is not owned by Fannie Mae or Freddie Mac and you're interested in the Hardest Hit Fund Principal Reduction Program, you'll need to start by applying for a Home Affordable Modification apply for a Home Affordable Modification. Please call us at 1.800.846.2222 to discuss your options.

Due to limitations in federal funding, new states aren't likely to participate in the Hardest Hit Fund. If your state isn't currently part of the Hardest Hit Fund program, it is unlikely to be approved for this program in the future. Choose your state to find out if it's currently part of the Hardest Hit Fund program.

If you're eligible, the financial information packet you receive as part of your modification application will contain a Third-Party Authorization. You’ll need to fill it out and return it to us. We'll then be able to review your eligibility for the Hardest Hit Fund Principal Reduction Program.

If you didn't receive a Third-Party Authorization, live in a participating state and your loan is not owned by Fannie Mae or Freddie Mac, please call us and speak with a specialist.

Please note: If you're unemployed and call us to apply for a home loan modification, we may speak with you about a home loan assistance program designed for unemployed homeowners. In that situation, you may need to decide which type of assistance you wish to pursue, because you may only take advantage of one program at one time.