Do I Qualify
for Help?
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 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 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.
Who can apply?
Arkansas homeowners
What can I use the funds for?
Mortgage delinquency
Utility and/or internet access services
If escrowed (included in mortgage payment), property taxes, hazard insurance premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, planned unit development fees, homeowners’ association fees, or utilities that the servicer advanced to protect lien position.
Am I eligible for assistance?
Your household income must be at or below 150 percent of the Area Median Income or 100 percent of the United States Median Income, whichever is greater.
You own and occupy the home as your primary residence.
You can certify your financial hardship began after January 21, 2020.
(Includes a hardship that began before January 21, 2020, but continued after that date)
Your property is located within the state of Arkansas.
Your property is not vacant, abandoned or condemned.
If applying for HAF Mortgage Assistance:
- Mortgage is held by a lender/servicer with an NMLS number. This would include federally backed and privately funded mortgages. Private party mortgages are ineligible for assistance.
- Mortgage is two or more months past due when you submit your application.
- If approved for HAF reinstatement benefits and your loan is paid current, you can begin making monthly payments.
- If approved for HAF reinstatement benefits, after your loan is paid current, you may be eligible to receive monthly payment assistance.
- If approved for HAF mortgage assistance that must be combined with a loss mitigation to achieve an affordable payment, you agree to work with your servicer and a housing counselor to finalize the loss mitigation program.
If applying for Utility/Internet/Broadband Payment Assistance:
- Homeowner is at least two installment payments in arrears on one or more of the following: utilities, such as electric, gas, home energy, and water, or internet service, including broadband internet access service. If an eligible homeowner is on a payment plan for utility/internet expenses incurred prior to the application date, those expenses will be considered arrears and can be included as eligible expenses.
- Homeowner can certify that assistance sufficient to resolve the delinquency is not available from Arkansas Low Income Home Energy Assistance Program (“LIHEAP”) and, without HAF assistance, the homeowner is likely to lose services.
Does my income qualify me for assistance?
Income Limits at a Glance
Arkansas HAF Income Limits vary by county and household size. These figures are some helpful example limits to provide context and awareness.
Average HAF Income Limits for Arkansas Counties*
| Household Members | Income Limits |
|---|---|
| 1 | $79,900.00 |
| 2 | $80,704.05 |
| 3 | $82,058.11 |
| 4 | $85,516.22 |
| 5 | $92,373.65 |
| 6 | $99,219.59 |
| 7 | $106,061.49 |
| 8 | $112,911.49 |
* These figures are average amounts based on all Arkansas counties.
HAF 4-Person Income Limits for 5 Largest Arkansas Counties*
| Rank | County | 4-Person Income Limit |
|---|---|---|
| 1 | Pulaski County | $107,250 |
| 2 | Benton County | $112,350 |
| 3 | Washington County | $112,350 |
| 4 | Sebastian County | $81,450 |
| 5 | Faulkner County | $107,250 |
Am I eligible for assistance?
Your household income must be at or below 150 percent of the Area Median Income or 100 percent of the United States Median Income, whichever is greater.
You own and occupy the home as your primary residence.
You can certify your financial hardship began after January 21, 2020.
(Includes a hardship that began before January 21, 2020, but continued after that date)
Your property is located within the state of Arkansas.
Your property is not vacant, abandoned or condemned.
If applying for Mortgage Reinstatement:
- Mortgage is held by a lender/servicer with an NMLS number. This would include federally backed and privately funded mortgages. Private party mortgages are ineligible for assistance.
- Mortgage is two or more months past due when you submit your application. If approved for reinstatement benefits and your loan is paid current, you can begin making monthly payments.
If applying for Utility/Internet/Broadband Payment Assistance:
- Homeowner is at least two installment payments in arrears on one or more of the following: utilities, such as electric, gas, home energy, and water, or internet service, including broadband internet access service. If an eligible homeowner is on a payment plan for utility/internet expenses incurred prior to the application date, those expenses will be considered arrears and can be included as eligible expenses.
- Homeowner can certify that assistance sufficient to resolve the delinquency is not available from Arkansas Low Income Home Energy Assistance Program (“LIHEAP”) and, without HAF assistance, the homeowner is likely to lose services.
Does my income qualify me for assistance?
Income Limits at a Glance
Arkansas HAF Income Limits vary by county and household size. These figures are some helpful example limits to provide context and awareness.
Average HAF Income Limits for Arkansas Counties*
| Household Members | Income Limits |
|---|---|
| 1 | $79,900.00 |
| 2 | $80,704.05 |
| 3 | $82,058.11 |
| 4 | $85,516.22 |
| 5 | $92,373.65 |
| 6 | $99,219.59 |
| 7 | $106,061.49 |
| 8 | $112,911.49 |
* These figures are average amounts based on all Arkansas counties.
HAF 4-Person Income Limits for 5 Largest Arkansas Counties*
| Rank | County | 4-Person Income Limit |
|---|---|---|
| 1 | Pulaski County | $107,250 |
| 2 | Benton County | $112,350 |
| 3 | Washington County | $112,350 |
| 4 | Sebastian County | $81,450 |
| 5 | Faulkner County | $107,250 |
The Arkansas Homeowner Assistance Fund is administered by the Arkansas Development Finance Authority.