Hardest Hit Fund

President Obama established the Hardest Hit Fund (SM) in February 2010 to provide targeted aid to families in states hit hard by the economic and housing market downturn. Each state housing agency gathered public input to implement programs designed to meet the distinct challenges struggling homeowners in their state are facing. States were chosen either because they are struggling with unemployment rates at or above the national average or steep home price declines greater than 20 percent since the housing market downturn.

ALL Hardest Hit Programs are FREE to consumers. You should not pay anyone for assistance with these programs. If anyone attempts to charge you for assistance with these programs, you should contact your state’s Attorney General’s Office.

Hardest Hit Fund programs vary state to state, but most include the following:

• Mortgage payment assistance for unemployed or underemployed homeowners
• Principal reduction to help homeowners get into more affordable mortgages
• Funding to eliminate homeowners’ second lien loans
• Help for homeowners who are transitioning out of their homes and into more affordable places of residence

Each state’s plan is included below. For more information regarding eligibility requirements, or to apply for a specific program in your state, please contact the state housing agency directly. We have included links to their sites for your convenience.

Hardest Hit Fund AlabamaAlabama

($162,521,345)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.hardesthitalabama.com

Hardest Hit Fund ArizonaArizona

($267,766,006)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.savemyhomeaz.gov/

Hardest Hit Fund CaliforniaCalifornia

($1,975,334,096)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.keepyourhomecalifornia.org

Hardest Hit Fund FloridaFlorida

($1,057,839,136)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.flhardesthithelp.org/

Hardest Hit Fund GeorgiaGeorgia

($339,255,819)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.homesafegeorgia.com

Hardest Hit Fund IllinoisIllinois

($445,603,557)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.illinoishardesthit.org/

Hardest Hit Fund IndianaIndiana

($221,694,139)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.877gethope.org/

Hardest Hit Fund KentuckyKentucky

($148,901,875)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

http://www.ProtectMyKYHome.org

Hardest Hit Fund MichiganMichigan

($498,605,738)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

http://www.stepforwardmichigan.org

Mississippi

($101,888,323)

Eligibility Info and Fact SheetMost Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.mshomesaver.com

Hardest Hit Fund NevadaNevada

($194,026,240)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.nahac.org/

Hardest Hit Fund New JerseyNew Jersey

($300,548,144)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

http://www.njhomekeeper.gov

Hardest Hit Fund North CarolinaNorth Carolina

($482,781,786)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.ncforeclosureprevention.gov/

Hardest Hit Fund OhioOhio

($570,395,099)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

http://www.savethedream.ohio.gov/

Hardest Hit Fund OregonOregon

($220,042,786)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.oregonhomeownerhelp.org/

Hardest Hit Fund Rhode IslandRhode Island

($79,351,573)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.hhfri.org/

Hardest Hit Fund South CarolinaSouth Carolina

($295,431,547)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

http://www.scmortgagehelp.com/

Hardest Hit Fund TennesseeTennessee

($217,315,593)

Eligibility Info and Fact Sheet

Hardest Hit Fund Washington DCWashington D.C.

($20,697,198)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.homesaverdc.org/

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