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Helping Arkansas Homeowners

Effective January 9, 2023, The Arkansas Low-Income Housing Energy Assistance Program (LIHEAP) Winter Session Assistance Program is Open. Applicants for the HAF utility assistance program will be required to apply for LIHEAP before applying for HAF benefits during this time.

The Arkansas Homeowner Assistance Fund (HAF) is a federally funded program helping Arkansas residents who are behind on their mortgages, electricity, gas and/or internet payments.

HAF offers both Mortgage Assistance, which provides funds to eliminate or reduce past due payments, and pay up to six (6) monthly mortgage payments, or Principal Assistance to help a homeowner achieve an affordable payment, and Utility/Internet/Broadband Payment Assistance, which provides funds to resolve delinquent payments for utility and/or internet access services, to low- to moderate-income homeowners impacted by COVID-19.

As of February 1, 2022, the Application Portal is officially open and accepting applications for assistance!


Not sure if you qualify?


Have questions?

Hear from those we've helped

“Since I first came down with Covid, it has been a battle that many times, I just knew I would lose. Your help has changed my world, and my wife’s and my little grandson’s life. I will never be able to show my gratitude for this blessing.”

– Jimmy M.

Arkansas Development Finance Authority

The Arkansas Homeowner Assistance Fund is administered by the Arkansas Development Finance Authority.

Before you proceed...

The following items will be helpful to have on hand to complete your application:

  • Valid Identification for Application (and spouse/co-borrower, if applicable)
  • Federal Tax Return for Applicant for Year of Hardship (and spouse/co-borrower, if applicable)
  • Proof of Homeownership
  • Mortgage/Utility/Internet Statements Displaying Delinquency 


Understood. Take me to the application.


If you would like more information regarding documents needed to apply, please review the HAF Document Checklist.

If you are looking to apply for Utility Payment Assistance but have not yet applied for the Low-Income Home Energy Assistance Program (LIHEAP), please visit the Arkansas Energy and Environmental Quality website for program information and instructions on how to apply. This is a requirement to pre-qualify for Utility Payment Assistance under HAF.