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Covid Assistance for Homeowners

COVID has been hard on a lot of us and has affected every area of our lives. We’ve covered Covid housing assistance programs on the blog before, and today will introduce a new program: the Michigan Homeowner Assistance Fund (MIHAF).  

What is it? 

  • The Michigan Homeowner Assistance Fund (MIHAF) is a statewide program that uses federal resources to provide financial assistance to homeowners who have fallen behind on homeownership-related expenses because of the COVID-19 pandemic.  
     

Who’s eligible? 

  • Must be able to demonstrate having a “pandemic-related financial hardship” on or after January 21, 2020.  
  • This includes: 
    • Reduction in income or increase in living expenses related to COVID that led to  risks in the delinquency or default of a mortgage, foreclosure, loss of utilities, or displacement of homeowner.  
  • Must own and occupy a home as a primary residence. 
  • Must have a household income equal or less than 150% of the median income for their residence area. 

More information: 

  • Homeowners can use MIHAF funds for:  
    • Delinquent mortgage/housing expenses, such as delinquent payments, property tax or 
      insurance escrow shortages 
    • Delinquent land contract payments, mobile home consumer loan payments or 
      contracted mobile home park lot payments 
    • Delinquent property taxes 
    • Delinquent condominium/homeowners’ association fees 
    • Delinquent homeowner’s insurances, hazard, flood, or mortgage insurance (if not 
      escrowed) 
    • Delinquent utilities, such as gas, electric, water, and sewer 
    • Delinquent internet broadband services  

How to apply: 

  • Call (844) 756-4423 
  • Visit michigan.gov/MIHAF 
  • It only takes 20 minutes to complete an application.  
  • Please note that there is currently a 3-4 week waiting period to process applications.  
  • Must have an email address to apply!  
    • You can sign up for a free email account using Gmail or Yahoo 

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