Skip to Main Content

Michigan Homeowner Assistance Fund (MIHAF)

Apply Now!!!

Overview

The Homeowner Assistance Fund was established under section 3206 of the American Rescue Plan Act of 2021 (the ARP) to mitigate hardships associated with the coronavirus pandemic by providing funds to prevent homeowner mortgage delinquencies, defaults, foreclosure, loss of utilities or home energy services and displacements of homeowners experiencing financial hardship after January 21, 2020.

The U.S. Department of the Treasury notified MSHDA on April 14, 2021 that it will allocate $242,812,277 to the State of Michigan. This number was based on unemployed individuals and the number of mortgagors with delinquent mortgage payments.

Eligible Uses:

Delinquent mortgage/housing expenses, such as monthly payments, escrow shortages, and corporate advances
Up to three consecutive, monthly mortgage payments if under maximum assistance amount
Delinquent land contract payments, mobile home consumer loan payments or contracted park lot payments
Property taxes
Condominium/homeowners' association fees
Homeowner's insurances, hazard, flood, or mortgage insurance
Utilities, gas, electric, water, sewer
Internet broadband services

Need Help?

Contact the Northwest Michigan Community Action Agency, 231-947-3780, or Toll-Free 800-632-7334, they are located at 3963 Three Mile Rd, Traverse City, MI 49696

[{"WidgetSkinID":95,"ComponentType":0,"FontFamily":"","FontVariant":"","FontColor":"","FontSize":0.00,"FontStyle":0,"TextAlignment":0,"ShadowColor":"","ShadowBlurRadius":0,"ShadowSpreadRadius":0,"ShadowOffsetX":0,"ShadowOffsetY":0,"ShadowInset":false,"Capitalization":0,"HeaderMiscellaneousStyles1":"","HeaderMiscellaneousStyles2":"","HeaderMiscellaneousStyles3":"","BulletStyle":0,"BulletWidth":2.00,"BulletColor":"","LinkNormalColor":"","LinkNormalUnderlined":false,"LinkNormalMiscellaneousStyles":"","LinkVisitedColor":"","LinkVisitedMiscellaneousStyles":"","LinkHoverColor":"","LinkHoverUnderlined":false,"LinkHoverMiscellaneousStyles":"","LinkSelectedUnderlined":false,"ForceReadOnLinkToNewLine":false,"DisplayColumnSeparator":false,"ColumnSeparatorWidth":0.0000,"HoverBackgroundColor":"","HoverBackgroundGradientStartingColor":"","HoverBackgroundGradientEndingColor":"","HoverBackgroundGradientDirection":0,"HoverBackgroundGradientDegrees":0.0000000,"HoverBackgroundImageFileName":"","HoverBackgroundImagePositionXUseKeyword":true,"HoverBackgroundImagePositionXKeyword":0,"HoverBackgroundImagePositionX":{"Value":0.0000,"Unit":0},"HoverBackgroundImagePositionYUseKeyword":true,"HoverBackgroundImagePositionYKeyword":0,"HoverBackgroundImagePositionY":{"Value":0.0000,"Unit":0},"HoverBackgroundImageRepeat":0,"HoverBorderStyle":0,"HoverBorderWidth":0,"HoverBorderColor":"","HoverBorderSides":15,"HoverBorderRadiusTopLeft":{"Value":null,"Unit":1},"HoverBorderRadiusTopRight":{"Value":null,"Unit":1},"HoverBorderRadiusBottomRight":{"Value":null,"Unit":1},"HoverBorderRadiusBottomLeft":{"Value":null,"Unit":1},"SelectedBackgroundColor":"","SelectedBackgroundGradientStartingColor":"","SelectedBackgroundGradientEndingColor":"","SelectedBackgroundGradientDirection":0,"SelectedBackgroundGradientDegrees":0.0000000,"SelectedBackgroundImageFileName":"","SelectedBackgroundImagePositionXUseKeyword":true,"SelectedBackgroundImagePositionXKeyword":0,"SelectedBackgroundImagePositionX":{"Value":0.0000,"Unit":0},"SelectedBackgroundImagePositionYUseKeyword":true,"SelectedBackgroundImagePositionYKeyword":0,"SelectedBackgroundImagePositionY":{"Value":0.0000,"Unit":0},"SelectedBackgroundImageRepeat":0,"SelectedBorderStyle":0,"SelectedBorderWidth":0,"SelectedBorderColor":"","SelectedBorderSides":15,"SelectedBorderRadiusTopLeft":{"Value":null,"Unit":1},"SelectedBorderRadiusTopRight":{"Value":null,"Unit":1},"SelectedBorderRadiusBottomRight":{"Value":null,"Unit":1},"SelectedBorderRadiusBottomLeft":{"Value":null,"Unit":1},"HoverFontFamily":"","HoverFontVariant":"","HoverFontColor":"","HoverFontSize":0.00,"HoverFontStyle":0,"HoverTextAlignment":0,"HoverShadowColor":"","HoverShadowBlurRadius":0,"HoverShadowSpreadRadius":0,"HoverShadowOffsetX":0,"HoverShadowOffsetY":0,"HoverShadowInset":false,"HoverCapitalization":0,"SelectedFontFamily":"","SelectedFontVariant":"","SelectedFontColor":"","SelectedFontSize":0.00,"SelectedFontStyle":0,"SelectedShadowColor":"","SelectedShadowBlurRadius":0,"SelectedShadowSpreadRadius":0,"SelectedShadowOffsetX":0,"SelectedShadowOffsetY":0,"SelectedShadowInset":false,"SpaceBetweenTabs":0,"SpaceBetweenTabsUnits":"","Trigger":4,"AnimationId":"f4606ea3-9d85-4cc6-9952-ef707d44f6c8","AnimationClass":"animationf4606ea39d854cc69952ef707d44f6c8","ScrollOffset":33,"TriggerNameLowerCase":"scroll","ParentComponentWithTrigger":null,"BackgroundColor":"","BackgroundGradientStartingColor":"","BackgroundGradientEndingColor":"","BackgroundGradientDirection":0,"BackgroundGradientDegrees":0.0000000,"BackgroundImageFileName":"","BackgroundImagePositionXUseKeyword":true,"BackgroundImagePositionXKeyword":0,"BackgroundImagePositionX":{"Value":0.0,"Unit":0},"BackgroundImagePositionYUseKeyword":true,"BackgroundImagePositionYKeyword":0,"BackgroundImagePositionY":{"Value":0.0,"Unit":0},"BackgroundImageRepeat":0,"BorderStyle":0,"BorderWidth":0,"BorderColor":"","BorderSides":15,"BorderRadiusTopLeft":{"Value":null,"Unit":1},"BorderRadiusTopRight":{"Value":null,"Unit":1},"BorderRadiusBottomRight":{"Value":null,"Unit":1},"BorderRadiusBottomLeft":{"Value":null,"Unit":1},"MarginTop":{"Value":null,"Unit":0},"MarginRight":{"Value":null,"Unit":0},"MarginBottom":{"Value":null,"Unit":0},"MarginLeft":{"Value":null,"Unit":0},"PaddingTop":{"Value":1.0000,"Unit":0},"PaddingRight":{"Value":null,"Unit":0},"PaddingBottom":{"Value":1.0000,"Unit":0},"PaddingLeft":{"Value":null,"Unit":0},"MiscellaneousStyles":"","RecordStatus":0},{"WidgetSkinID":111,"ComponentType":0,"FontFamily":"","FontVariant":"","FontColor":"","FontSize":0.00,"FontStyle":0,"TextAlignment":0,"ShadowColor":"","ShadowBlurRadius":0,"ShadowSpreadRadius":0,"ShadowOffsetX":0,"ShadowOffsetY":0,"ShadowInset":false,"Capitalization":0,"HeaderMiscellaneousStyles1":"","HeaderMiscellaneousStyles2":"","HeaderMiscellaneousStyles3":"","BulletStyle":0,"BulletWidth":2.00,"BulletColor":"","LinkNormalColor":"","LinkNormalUnderlined":false,"LinkNormalMiscellaneousStyles":"","LinkVisitedColor":"","LinkVisitedMiscellaneousStyles":"","LinkHoverColor":"","LinkHoverUnderlined":false,"LinkHoverMiscellaneousStyles":"","LinkSelectedUnderlined":false,"ForceReadOnLinkToNewLine":false,"DisplayColumnSeparator":false,"ColumnSeparatorWidth":0.0000,"HoverBackgroundColor":"","HoverBackgroundGradientStartingColor":"","HoverBackgroundGradientEndingColor":"","HoverBackgroundGradientDirection":0,"HoverBackgroundGradientDegrees":0.0000000,"HoverBackgroundImageFileName":"","HoverBackgroundImagePositionXUseKeyword":true,"HoverBackgroundImagePositionXKeyword":0,"HoverBackgroundImagePositionX":{"Value":0.0000,"Unit":0},"HoverBackgroundImagePositionYUseKeyword":true,"HoverBackgroundImagePositionYKeyword":0,"HoverBackgroundImagePositionY":{"Value":0.0000,"Unit":0},"HoverBackgroundImageRepeat":0,"HoverBorderStyle":0,"HoverBorderWidth":0,"HoverBorderColor":"","HoverBorderSides":15,"HoverBorderRadiusTopLeft":{"Value":null,"Unit":1},"HoverBorderRadiusTopRight":{"Value":null,"Unit":1},"HoverBorderRadiusBottomRight":{"Value":null,"Unit":1},"HoverBorderRadiusBottomLeft":{"Value":null,"Unit":1},"SelectedBackgroundColor":"","SelectedBackgroundGradientStartingColor":"","SelectedBackgroundGradientEndingColor":"","SelectedBackgroundGradientDirection":0,"SelectedBackgroundGradientDegrees":0.0000000,"SelectedBackgroundImageFileName":"","SelectedBackgroundImagePositionXUseKeyword":true,"SelectedBackgroundImagePositionXKeyword":0,"SelectedBackgroundImagePositionX":{"Value":0.0000,"Unit":0},"SelectedBackgroundImagePositionYUseKeyword":true,"SelectedBackgroundImagePositionYKeyword":0,"SelectedBackgroundImagePositionY":{"Value":0.0000,"Unit":0},"SelectedBackgroundImageRepeat":0,"SelectedBorderStyle":0,"SelectedBorderWidth":0,"SelectedBorderColor":"","SelectedBorderSides":15,"SelectedBorderRadiusTopLeft":{"Value":null,"Unit":1},"SelectedBorderRadiusTopRight":{"Value":null,"Unit":1},"SelectedBorderRadiusBottomRight":{"Value":null,"Unit":1},"SelectedBorderRadiusBottomLeft":{"Value":null,"Unit":1},"HoverFontFamily":"","HoverFontVariant":"","HoverFontColor":"","HoverFontSize":0.00,"HoverFontStyle":0,"HoverTextAlignment":0,"HoverShadowColor":"","HoverShadowBlurRadius":0,"HoverShadowSpreadRadius":0,"HoverShadowOffsetX":0,"HoverShadowOffsetY":0,"HoverShadowInset":false,"HoverCapitalization":0,"SelectedFontFamily":"","SelectedFontVariant":"","SelectedFontColor":"","SelectedFontSize":0.00,"SelectedFontStyle":0,"SelectedShadowColor":"","SelectedShadowBlurRadius":0,"SelectedShadowSpreadRadius":0,"SelectedShadowOffsetX":0,"SelectedShadowOffsetY":0,"SelectedShadowInset":false,"SpaceBetweenTabs":0,"SpaceBetweenTabsUnits":"","Trigger":4,"AnimationId":"f4606ea3-9d85-4cc6-9952-ef707d44f6c8","AnimationClass":"animationf4606ea39d854cc69952ef707d44f6c8","ScrollOffset":33,"TriggerNameLowerCase":"scroll","ParentComponentWithTrigger":null,"BackgroundColor":"","BackgroundGradientStartingColor":"","BackgroundGradientEndingColor":"","BackgroundGradientDirection":0,"BackgroundGradientDegrees":0.0000000,"BackgroundImageFileName":"","BackgroundImagePositionXUseKeyword":true,"BackgroundImagePositionXKeyword":0,"BackgroundImagePositionX":{"Value":0.0000,"Unit":0},"BackgroundImagePositionYUseKeyword":true,"BackgroundImagePositionYKeyword":0,"BackgroundImagePositionY":{"Value":0.0000,"Unit":0},"BackgroundImageRepeat":0,"BorderStyle":0,"BorderWidth":0,"BorderColor":"","BorderSides":15,"BorderRadiusTopLeft":{"Value":null,"Unit":1},"BorderRadiusTopRight":{"Value":null,"Unit":1},"BorderRadiusBottomRight":{"Value":null,"Unit":1},"BorderRadiusBottomLeft":{"Value":null,"Unit":1},"MarginTop":{"Value":null,"Unit":0},"MarginRight":{"Value":null,"Unit":0},"MarginBottom":{"Value":null,"Unit":0},"MarginLeft":{"Value":null,"Unit":0},"PaddingTop":{"Value":1.0000,"Unit":0},"PaddingRight":{"Value":null,"Unit":0},"PaddingBottom":{"Value":1.0000,"Unit":0},"PaddingLeft":{"Value":null,"Unit":0},"MiscellaneousStyles":"","RecordStatus":0},{"WidgetSkinID":112,"ComponentType":0,"FontFamily":"","FontVariant":"","FontColor":"","FontSize":0.00,"FontStyle":0,"TextAlignment":0,"ShadowColor":"","ShadowBlurRadius":0,"ShadowSpreadRadius":0,"ShadowOffsetX":0,"ShadowOffsetY":0,"ShadowInset":false,"Capitalization":0,"HeaderMiscellaneousStyles1":"","HeaderMiscellaneousStyles2":"","HeaderMiscellaneousStyles3":"","BulletStyle":0,"BulletWidth":2.00,"BulletColor":"","LinkNormalColor":"","LinkNormalUnderlined":false,"LinkNormalMiscellaneousStyles":"","LinkVisitedColor":"","LinkVisitedMiscellaneousStyles":"","LinkHoverColor":"","LinkHoverUnderlined":false,"LinkHoverMiscellaneousStyles":"","LinkSelectedUnderlined":false,"ForceReadOnLinkToNewLine":false,"DisplayColumnSeparator":false,"ColumnSeparatorWidth":0.0000,"HoverBackgroundColor":"","HoverBackgroundGradientStartingColor":"","HoverBackgroundGradientEndingColor":"","HoverBackgroundGradientDirection":0,"HoverBackgroundGradientDegrees":0.0000000,"HoverBackgroundImageFileName":"","HoverBackgroundImagePositionXUseKeyword":true,"HoverBackgroundImagePositionXKeyword":0,"HoverBackgroundImagePositionX":{"Value":0.0000,"Unit":0},"HoverBackgroundImagePositionYUseKeyword":true,"HoverBackgroundImagePositionYKeyword":0,"HoverBackgroundImagePositionY":{"Value":0.0000,"Unit":0},"HoverBackgroundImageRepeat":0,"HoverBorderStyle":0,"HoverBorderWidth":0,"HoverBorderColor":"","HoverBorderSides":15,"HoverBorderRadiusTopLeft":{"Value":null,"Unit":1},"HoverBorderRadiusTopRight":{"Value":null,"Unit":1},"HoverBorderRadiusBottomRight":{"Value":null,"Unit":1},"HoverBorderRadiusBottomLeft":{"Value":null,"Unit":1},"SelectedBackgroundColor":"","SelectedBackgroundGradientStartingColor":"","SelectedBackgroundGradientEndingColor":"","SelectedBackgroundGradientDirection":0,"SelectedBackgroundGradientDegrees":0.0000000,"SelectedBackgroundImageFileName":"","SelectedBackgroundImagePositionXUseKeyword":true,"SelectedBackgroundImagePositionXKeyword":0,"SelectedBackgroundImagePositionX":{"Value":0.0000,"Unit":0},"SelectedBackgroundImagePositionYUseKeyword":true,"SelectedBackgroundImagePositionYKeyword":0,"SelectedBackgroundImagePositionY":{"Value":0.0000,"Unit":0},"SelectedBackgroundImageRepeat":0,"SelectedBorderStyle":0,"SelectedBorderWidth":0,"SelectedBorderColor":"","SelectedBorderSides":15,"SelectedBorderRadiusTopLeft":{"Value":null,"Unit":1},"SelectedBorderRadiusTopRight":{"Value":null,"Unit":1},"SelectedBorderRadiusBottomRight":{"Value":null,"Unit":1},"SelectedBorderRadiusBottomLeft":{"Value":null,"Unit":1},"HoverFontFamily":"","HoverFontVariant":"","HoverFontColor":"","HoverFontSize":0.00,"HoverFontStyle":0,"HoverTextAlignment":0,"HoverShadowColor":"","HoverShadowBlurRadius":0,"HoverShadowSpreadRadius":0,"HoverShadowOffsetX":0,"HoverShadowOffsetY":0,"HoverShadowInset":false,"HoverCapitalization":0,"SelectedFontFamily":"","SelectedFontVariant":"","SelectedFontColor":"","SelectedFontSize":0.00,"SelectedFontStyle":0,"SelectedShadowColor":"","SelectedShadowBlurRadius":0,"SelectedShadowSpreadRadius":0,"SelectedShadowOffsetX":0,"SelectedShadowOffsetY":0,"SelectedShadowInset":false,"SpaceBetweenTabs":0,"SpaceBetweenTabsUnits":"","Trigger":4,"AnimationId":"f4606ea3-9d85-4cc6-9952-ef707d44f6c8","AnimationClass":"animationf4606ea39d854cc69952ef707d44f6c8","ScrollOffset":33,"TriggerNameLowerCase":"scroll","ParentComponentWithTrigger":null,"BackgroundColor":"","BackgroundGradientStartingColor":"","BackgroundGradientEndingColor":"","BackgroundGradientDirection":0,"BackgroundGradientDegrees":0.0000000,"BackgroundImageFileName":"","BackgroundImagePositionXUseKeyword":true,"BackgroundImagePositionXKeyword":0,"BackgroundImagePositionX":{"Value":0.0000,"Unit":0},"BackgroundImagePositionYUseKeyword":true,"BackgroundImagePositionYKeyword":0,"BackgroundImagePositionY":{"Value":0.0000,"Unit":0},"BackgroundImageRepeat":0,"BorderStyle":0,"BorderWidth":0,"BorderColor":"","BorderSides":15,"BorderRadiusTopLeft":{"Value":null,"Unit":1},"BorderRadiusTopRight":{"Value":null,"Unit":1},"BorderRadiusBottomRight":{"Value":null,"Unit":1},"BorderRadiusBottomLeft":{"Value":null,"Unit":1},"MarginTop":{"Value":null,"Unit":0},"MarginRight":{"Value":null,"Unit":0},"MarginBottom":{"Value":null,"Unit":0},"MarginLeft":{"Value":null,"Unit":0},"PaddingTop":{"Value":1.0000,"Unit":0},"PaddingRight":{"Value":null,"Unit":0},"PaddingBottom":{"Value":1.0000,"Unit":0},"PaddingLeft":{"Value":null,"Unit":0},"MiscellaneousStyles":"","RecordStatus":0}]