Massachusetts Homeowner Assistance Fund (Mass HAF)

Are you behind by at least three months on your mortgage payments due to financial challenges created by the COVID-19 pandemic? The Massachusetts Homeowner Assistance Fund may be able to help.

Here's what to do:

  1. Visit, the Commonwealth's official HAF website
  2. Complete the questionnaire to see if you are eligible
  3. Register on the site as a new user
  4. Complete an application. Some documentation will be required.
PLEASE NOTE: Mass HAF cannot help everyone. You must meet income, residency, and other eligibility criteria. Your next stop should be to check your eligibility.

Do you have a MassHousing loan? Please read this

If you are a MassHousing borrower with a MassHousing home mortgage loan and you’ve had difficulty making payments due to COVID-19, you must contact MassHousing to request a Mass HAF application. To request an application, call 888-843-6432, email to or log on to your account at

This project is being supported, in whole or in part, by federal award number HAF0174 awarded to the Commonwealth of Massachusetts by the U.S. Department of the Treasury.

Learn more about Mass HAF

Homeowners can check eligibility and apply for Mass HAF at