Are you behind on your mortgage?

The Oklahoma Homeowner Assistance Fund offers up to $20,000 in grants for past due housing expenses as a result of COVID-19.

Get Help Paying Past Due Housing Expenses from the Oklahoma Homeowner Assistance Fund

  • For Oklahoma homeowners financially impacted by COVID-19
  • Up to $20,000 in grants available per household
  • Eligible expenses include mortgage reinstatement, delinquent real estate taxes, restoration of homeowner’s insurance, and delinquent HOA dues


If COVID-19 has made it difficult for you to pay your mortgage, utilities, or other housing payments, financial assistance is on the way. The Homeowner Assistance Fund (HAF) was established by the American Rescue Plan Act to help homeowners financially impacted by COVID-19 with housing-related costs.

Check out the Homeowner Assistance Fund program in Oklahoma:

Funds are limited. Some programs may not have enough funds for every applicant, so it is important to apply as soon as you’re able.


Eligible applicants must meet all of the following criteria:

  • Homeowners in Oklahoma who occupy the property as their primary residence
  • Homeowners who have experienced a COVID-19 qualified financial hardship after January 21, 2020
  • Homeowners must be at least 30 days delinquent or canceled due to non-payment after January 21, 2020
  • Homeowners who are United States citizens or those who can show proof of a green card
  • Homeowners who are delinquent on eligible expenses, including:
    • Reinstatement of delinquent mortgage
    • Mortgage payment assistance for reinstated homeowners
    • Delinquent property tax
    • Restoring canceled homeowner’s insurance
    • Delinquent Homeowners Association (HOA) Dues
  • Homeowners who are at or below 100% of the Area Median Income or homeowners who are socially disadvantaged and are at or below 150% of the Area Median Income
  • Eligible mortgages must be secured by an instrument of government or government-sponsored entity or financed by a nonprofit, bank, credit union, or mortgage company that adheres to the widely accepted mortgage lending and mortgage servicing practices monitored by the Consumer Federal Protection Bureau.
    • Excluded mortgages include seller-financed transactions, rent-to-own transactions, and family-financed transactions.

The application is somewhat lengthy so create an account with a password to save your progress.

Also, it’s best to gather these documents prior to beginning the application:


  • Photo identification of homeowner(s)
  • Social Security cards for all household members over the age of 18

Financial Documents
(for household members over the age of 18)

  • First two pages of the most recent Federal tax return
  • 60 days of pay stubs
  • Most recent W-2s
  • Most recent mortgage statement
  • Most recent County Assessor property tax statement (if requesting assistance to pay non-escrowed tax delinquency)
  • Most recent insurance statement (if requesting assistance to pay non-escrowed delinquency)
  • Most recent Homeowner’s Association statement (if requesting assistance to pay HOA or condominium dues)


Start your Application Now – or Read more about the program.