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.

Hardest Hit Fund programs vary state to state, but may 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 directlty. We have included links to their sites for your convenience.

Alabama

($162,521,345)

Eligibility Info and Fact Sheet

Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.hardesthitalabama.com

Arizona

($267,766,006)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.savemyhomeaz.gov/

California

($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

Florida

($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/

Georgia

($339,255,819)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.homesafegeorgia.com

Illinois

($445,603,557)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.illinoishardesthit.org/

Indiana

($221,694,139)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.877gethope.org/

Kentucky

($148,901,875)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.ProtectMyKYHome.org

Michigan

($498,605,738)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.stepforwardmichigan.org

Mississippi

($101,888,323)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.mshomesaver.com

Nevada

($194,026,240)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report
For eligibility requirements and application information, please visit:

http://www.nahac.org/

New Jersey

($300,548,144)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.njhomekeeper.gov

North 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/

Ohio

($570,395,099)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

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

Oregon

($220,042,786)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.oregonhomeownerhelp.org/

Rhode 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/

South Carolina

($295,431,547)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.scmortgagehelp.com/

Tennessee

($217,315,593)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

http://www.keepmytnhome.org

Washington DC

($20,697,198)

Eligibility Info and Fact Sheet
Most Recent Quarterly Report

For eligibility requirements and application information, please visit:

https://www.homesaverdc.org/