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United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by Ohio Housing Finance Agency

HAF Grantee Plan Name

HAFP-0086
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United States Department of the Treasury

Homeowner Assistance Fund Plan For Participants 

with Allocations $5 million or Greater

Allocation Amount $5 Million or Greater

Submission Date 11/18/2021 1:50 PM

Total Plan Requested Amount $280,771,073.00

Record Type State

Application Record SLT-0002

HAF Grantee Plan Status (external) Funded
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Homeowner Needs and Community Engagement

What Quantitative Data Has Informed the Participant’s Planning?

Treasury will assess the extent to which a Participant has, in the course of its HAF planning process, relied on

quantitative data, including from community-based organizations or organizations that serve potentially

eligible homeowners. 

In its HAF planning process, has the Participant obtained quantitative data from mortgage servicers, private

data providers, government entities, community-based organizations, or other sources to inform its planning

about how to target and best serve eligible homeowners with mortgage delinquencies, defaults, foreclosures?

Yes

If yes, please list and, briefly describe each source of quantitative data.

• Census microdata from the University of Minnesota – Using American Community Survey

(ACS) Public Use Microdata Sample (PUMS) from University of Minnesota’s IPUMS USA data

tool, OHFA identified areas where eligible homeowners, as well as those specifically cost

burdened by utility bills—were concentrated.

• Mortgage data from the Atlanta Federal Reserve Bank – The Mortgage Analytics and

Performance Dashboard (MAPD) data covers mortgage holders experiencing some form of

struggle, identified at the county level. Calculations use Black Knight’s McDash Flash daily

mortgage performance data (available with a two-day lag) and U.S. Census Bureau 2017 FIPS

codes. We used the count of those loans experiencing delinquency or forbearance and determined

the state share of total troubled loans. Then we calculated the state share of total loans held by

each county. We created a ratio of the state share of troubled loans to the state share of total

loans.

• Mortgage data from CoreLogic – This private data source provides OHFA with two data

products covering mortgage performance and default data: MarketTrends includes aggregate

data on 90-day delinquencies, foreclosures, and negative equity at the ZIP Code, county, state,

and national levels; the TrueStandings Servicing platform allows for bulk monthly export of

loan-level origination characteristics and performance data on month-to-month payment status

for 70% of the residential mortgages in the housing market.

• Residential property data from CoreLogic – The same private data source also provides OHFA

with two data products covering residential property data for the entire state: the Property

Detail Residential dataset allows for annual bulk export covering all residential parcels in Ohio

and including property type, owner information, recent sales activity, property tax information,

and structure characteristics; the Owner–Transfer dataset provides a monthly bulk data export

of every recorded deed on residential properties in the state.

In its HAF planning process, has the Participant obtained and reviewed quantitative data or studies regarding

which demographic segments in its jurisdiction have historically experienced discrimination in the housing or

housing finance market?

Yes

If yes, please list and, briefly describe each source of quantitative data.
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Yes. OHFA is also collecting data on demographics and geography to ensure we target specific

racial categories and reach homeowners across urban, suburban, and rural settings. These

resources include:

• Urban–Suburban–Rural (USR) typology from The Ohio State University – This census

tract-level typology—in which each tract has been labelled “urban,” “suburban,” or

“rural”—was developed by the Kirwan Institute for the Study of Race and Ethnicity at The Ohio

State University. Kirwan calculated this typology based on differences in housing types and

development patterns.

• Home Mortgage Disclosure Act (HMDA) data from the Consumer Financial Protection Bureau

– This dataset on the mortgage market includes information on loan denials by race, ethnicity,

and income. As such we have been able to learn more about where there are gaps in the denial

rate by race or ethnicity, which sheds light on the persistent problem of systemic racial

discrimination in housing.

In its HAF planning process, has the Participant obtained quantitative data from utility providers or entities

charged with assessing and collecting property taxes or relied on quantitative data or studies to inform its

planning about how to target and best serve eligible homeowners at risk of displacement due to utility

arrearage or tax foreclosure?

Yes

If yes, please list and, briefly describe each source of quantitative data.

Yes. OHFA is gathering data to ensure we are targeting HAF funds towards homeowners who

are socially disadvantaged. These resources include:

• Monthly customer arrearage data from utility providers – OHFA has begun to receive monthly

customer data from utility providers in Ohio including service address, arrearage amount,

enrollment status in Ohio’s Percentage of Income Payment Plan (PIPP) or Ohio’s Home Energy

Assistance Program (HEAP), and tenure (if known). We are in ongoing talks with multiple utility

providers to establish data sharing agreements. 

• Comprehensive Housing Affordability Strategy (CHAS) data from HUD – Using

publicly-available CHAS data from 2012–2016, OHFA identified counties where low-income

homeowners were concentrated. CHAS data also provided information on housing cost burden

(homeowners spending more than 30 percent of their income on housing costs including

mortgage payments, utilities, property taxes, and HOA or condo fees). We also looked at those

experiencing severe housing cost burden (homeowners paying more than 50 percent of their

income on housing). 

• American Community Survey (ACS) 5-year estimates from the Census Bureau – Similarly we

used a mix of ACS and CHAS data to identify areas where socially disadvantaged individuals live

and own homes in Ohio. 

• Local Area Unemployment Statistics (LAUS) from the Bureau of Labor Statistics – These data

include unemployment rate for each county for March 2021.

• Monthly unemployment data from the Ohio Department of Jobs and Family Services (ODJFS)

– These data include information on recipients of unemployment benefits.

In the following text box, please list any source not listed above of quantitative information, including

sources of data on the performance of any of the Participant’s previously implemented programs, that the

Participant used to inform its HAF planning process, briefly describe how the data informed the Participant’s

planning.

OHFA is has gathered and analyzed performance data on our various affordable housing

programs. These programs include:
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• Hardest Hit Fund performance data – OHFA operated two different homeownership

preservation programs with funding from HHF, assisting homeowners in avoiding foreclosure

through the former iteration of the Save the Dream Ohio program, and reimbursing land banks

for the demolition and greening of blighted and vacant residential properties through the

Neighborhood Initiative Program. OHFA has tracked HHF program metrics and reported on

their performance on a regular basis.

Did the Participant communicate with mortgage servicers regarding the development of its program design?

Yes

Did the Participant communicate with other HAF participants regarding the development of its program

design?

Yes

How Has Community Engagement and Public Participation Informed the

Participant’s Planning?

Treasury will assess the extent to which a Participant’s assessment of homeowner needs has been informed

by and reflects input from organizations and individuals representing eligible homeowners, including any

opportunities for public participation in the development of the Participant’s plan. Treasury will pay

particular attention to the extent of the Participant’s engagement with populations that are the subject of

statutory targeting requirements.

Has the Participant requested and received input on its HAF planning process from providers of housing

counseling services or providers of legal assistance to homeowners facing foreclosure or displacement?

Yes

Provider information

If yes, please list such providers, including the providers’ address and website. Please indicate by checking

the appropriate box below if the provider’s primary purpose is to serve low- and moderate-income

households or to address the impacts of housing discrimination on one or more demographic groups in the

Participant’s jurisdiction.

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

CHN Housing Partners

2999 Payne Ave ,Cleveland,Ohio 44114

http://chnhousingpartners.org

Community Legal Aid Services

25 E Boardman St Suite 520,Youngstown,Ohio 44503

http://www.communitylegalaid.org
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Homeport

3443 Agler Rd ,Columbus,Ohio 43219

http://www.homeportohio.org

Community Housing Solutions

12114 Larchmere Blvd ,Cleveland,Ohio 44120

http://communityhousingsolutions.wordpress.com

Fair Housing Resource Center

1100 Mentor Ave ,Painesville,Ohio 44077

http://fhrc.org

Legal Aid of Western Ohio

525 Jefferson Ave Ste. 400,Toledo,Ohio 43604

http://www.lawolaw.org

Legal Aid Society of Greater Cincinnati

215 E 9th St Suite 200,Cincinnati,Ohio 45202

http://lascinti.org

Legal Aid Society of Cleveland

1223 W Sixth St ,Cleveland,Ohio 44113

http://lasclev.org

NeighborWorks Toledo

704 Second St ,Toledo,Ohio 43605

http://www.nwtoledo.org

NID Housing Counseling Agency

3030 Euclid Ave Ste 412,Cleveland,Ohio 44115

http://www.nidagency.com

Ohio Poverty Law Center

1108 City Park Ave Suite 200,Columbus,Ohio 43206

http://www.ohiopovertylawcenter.org

Southeastern Ohio Legal Services

964 E State St ,Athens,Ohio 45701

http://www.seols.org

Working in Neighborhoods

1814 Dreman Ave ,Cincinnati,Ohio 45223

http://wincincy.org

Has the Participant requested and received input regarding its HAF planning process from community-based

organizations or organizations that serve potentially eligible homeowners?

Yes

Community Information
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If yes, please list such organizations, including the providers’ address and website if available. Please

indicate by checking the appropriate box below if the provider’s primary purpose is to serve low- and

moderate-income households or to address the impacts of housing discrimination on one or more

demographic groups in the Participant’s jurisdiction.

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Affordable Housing Alliance of Central Ohio

360 S Third St, Columbus, Ohio 43215

http://www.ahaco.org

Cleveland Neighborhood Progress

11327 Shaker BlvdSuite 500W, Cleveland, Ohio 44104

http://www.clevelandnp.org

Catholic Charities Regional

1933 Spielbusch Ave, Toledo, Ohio 43604

http://www.catholiccharitiesnwo.org

Cleveland Habitat for Humanity

2110 W 110th St, Cleveland, Ohio 44102

http://www.clevelandhabitat.org

Coalition on Homelessness and Housing in Ohio

175 S Third StSuite 580, Columbus, Ohio 43215

http://cohhio.org

Columbus Realtist Association

3000 E Main StSuite 140, Columbus, Ohio 43209

http://cra30.wildapricot.org

Columbus Urban League

788 Mount Vernon Ave, Columbus, Ohio 43203

http://www.cul.org

Greater Ohio Policy Center

399 E Main StSuite 220, Columbus, Ohio 43215

http://www.greaterohio.org

Highland County Community Action Organization

1487 N High StSte. 500, Hillsboro, Ohio 45133

http://hccao.org

Homes on the Hill Community Development Corporation

3659 Soldano Blvd, Columbus, Ohio 43228

http://www.hoth-cdc.org
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Lake County Community Development

105 Main St, Painesville, Ohio 44077

http://ww.lakecountyohio.gov/planning-community...

LISC

500 Madison AveSte. 312, Toledo, Ohio 43604

http://www.lisc.org/toledo

Muskingum Economic Opportunity Action Group

828 Lee St, Zanesville, Ohio 43701

http://www.meoag.org

Lorain County Urban League

200 Middle Ave#200, Elyria, Ohio 44035

http://www.lcul.org

Miami Valley Community Action Partnership

719 S Main St, Dayton, Ohio 45402

http://miamivalleycap.org

Ohio Association of Community Action Agencies

140 E Town StSuite 1150, Columbus, Ohio 43215

http://oacaa.org

Ohio Capital Corporation for Housing

88 E Broad StSuite 1800, Columbus, Ohio 43215

http://www.occh.org

Ohio CDC Association

100 E Broad StSuite 500, Columbus, Ohio 43215

http://www.ohiocdc.org

Has the Participant consulted with localities or tribal governments (cities, counties, or rural communities) in

its jurisdiction regarding the needs of eligible homeowners in its jurisdiction?

Yes

Has the Participant provided an opportunity for public input regarding its HAF Plan through public hearings

or published materials?

Yes

If yes, please indicate whether a proposed or draft plan was published, please describe where details about the

comment solicitation were posted, for how long, in what languages, and whether any efforts were made to

make the posting accessible to persons with disabilities or individuals without reliable internet access.

OHFA convened a virtual meeting of about 30 advocates and stakeholders from around the state,

including Legal Aid organizations, community development corporations, homeless advocacy

organizations, mortgage lenders and servicers, & federal government agencies. OHFA benefited

from the advice of those representing a wide range of perspectives & experiences. Several themes

had strong support from most of the participants; streamlining distribution and eligibility

requirements; focusing on internal operations and efficiencies; ensuring data integrity; creating

durable, productive support networks; and leveraging relationships with trusted community
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leaders. Attendees encouraged OHFA to focus efforts first on programs designed to help

homeowners retain their homes; programs like home repair and maintenance were deemed less

critical, and there was general agreement that these types of programs should only be developed

after the crisis of impending foreclosures was addressed.

OHFA was able to draw on lessons learned from administering HHF over the last decade. Of

particular note, OHFA staff met with Stephanie Casey Pierce, who was instrumental in the

development and administration of the HHF and who is with the Ohio State University working

on an evaluation of the HHF foreclosure prevention program. Having spent a decade designing,

administering, and studying Ohio’s HHF program, she is an invaluable source of insight into

aspects of the program that have proven to be effective as well as those that she would do

differently.

On June 16, OHFA published a draft plan, invited written public input, and held a public

hearing on June 22 (attended by 69 people). Feedback included reducing the cap on the amount

of assistance any individual could receive; adding a minimum amount of time that someone
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receiving assistance must stay in the house without having to pay back at least a portion of the

assistance; and eliminating the restriction on receiving assistance for those who are in an active

bankruptcy.

How Will the Participant Continue to Assess the Needs of Eligible

Homeowners?

Treasury anticipates that an ongoing process of assessing the needs of eligible homeowners will help address

the needs of potentially eligible homeowners as economic conditions change over time.

Does the Participant plan to update its assessment of community needs within the next year to determine

whether its HAF program design should be updated to address changing needs of potentially eligible

homeowners?

Yes

What additional data would be helpful to the Participant as it seeks to assess homeowner needs over time?

OHFA is in ongoing communication with utility providers to obtain monthly customer arrearage

data from as many providers as possible. We are also in negotiations with other state agencies

such the Ohio Department of Jobs and Family Services, the Ohio Department of Medicaid, etc. to

use income eligibility data for various state and federal programs to inform eligibility for HAF.

Generally speaking, more comprehensive data specifically on utility arrearage and delinquency

would be helpful in assessing program needs.
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Program Design

What are the Program Design Elements Through Which the Participant Will

Deliver HAF Assistance to Eligible Homeowners?

A program design element is a specific activity or program, which is consistent with a qualified expense

category, under which a Participant will disburse HAF funds in accordance with the HAF Plan. Please note

that multiple program design elements may fit under a single qualified expense category; for example, a

mortgage assistance program that has different terms for federally backed mortgages and manufactured-home

mortgages may constitute two separate program design elements, for which case the Participant provides a

separate term sheet or other description for each program design element. 

HAF participants must have at least one program design element intended to reduce mortgage delinquency

among targeted populations. Treasury encourages HAF participants to consider program design elements that

address homeownership preservation for targeted populations in areas where there is a sustained trend of

increasing property taxes or utility costs, including for households that do not have mortgages.

Please identify each qualified expense category in which the Participant will offer a program design element

by checking the boxes below.

mortgage payment assistance 

 mortgage principal reduction, including with respect to a second mortgage provided by a nonprofit

or government entity 

 payment assistance for homeowner’s utilities, including electric, gas, home energy, and water 

 payment assistance for homeowner’s insurance, flood insurance, and mortgage insurance 

 payment assistance for delinquent property taxes to prevent homeowner tax foreclosures 

 payment assistance for down payment assistance loans provided by nonprofit or government

entities 

 financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing-related

costs related to a period of forbearance, delinquency, or default 

facilitating mortgage interest rate reductions 

 payment assistance for homeowner’s internet service, including broadband internet access service,

as defined in 47 CFR 8.1(b) 

 payment assistance for homeowner’s association fees or liens, condominium association fees, or

common charges 

 measures to prevent homeowner displacement, such as home repairs to maintain the habitability of

a home or assistance to enable households to receive clear title to their properties 
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For each program design element that the Participant will offer, the Participant is required to upload a term

sheet or other description, that, at a minimum, provides the following information regarding that program

design element. Term sheets for all of Participant’s HAF programs may be uploaded together as one

document.

Title Upload Date

Term Sheet - MPA - Treasury Template 8/16/2021 5:06 PM

Term Sheet - RPA - Treasury Template 8/16/2021 5:06 PM

Term Sheet - UAP - Treasury Template 8/16/2021 5:06 PM

Ohio_HAFP-0086_Feedback_10-21-2021-OHFA responses 11/5/2021 3:03 PM

A HAF participant may elect to revise its HAF Plan over time to add or subtract program design elements.

Does the Participant anticipate adding additional program design elements to this HAF Plan within one year

of this submission?

Yes

Treasury has provided sample term sheets to assist HAF participants in developing their HAF plans.

Participants may use these sample term sheets, in whole or in part, as part of their submission. To the extent

the Participant intends to structure the program differently with respect to significant program terms

described in the Sample Term Sheets, Treasury will, in the course of its review of the HAF Plan, request a

justification for how the alternate approach will further the objectives of the HAF, including targeting and

prioritization requirements. In the chart below, the HAF Participant may provide a justification for significant

deviations from the terms described in the sample term sheets upon initial submittal. (optional for initial

submission)

Program Design Element Deviation from sample terms Justification

N/A

Documentation of Homeowner Income

Homeowners are eligible to receive amounts allocated to a HAF participant under the HAF only if they have

incomes equal to or less than 150% of the area median income or 100% of the median income for the United

States, whichever is greater. In addition, not less than 60% of amounts made available to each HAF

participant must be used for qualified expenses that assist homeowners having incomes equal to or less than

100% of the area median income or equal to or less than 100% of the median income for the United States,

whichever is greater. The HAF guidance describes permissible ways for HAF participants to determine

homeowner income.

Under the HAF guidance, one permissible approach for determining income is for (1) the household to

provide a written attestation as to household income and (2) the HAF participant to use a reasonable

fact-specific proxy for household income, such as reliance on data regarding average incomes in the

household’s geographic area. Will the Participant allow income to be determined in this way?

Yes

If yes, please describe the fact-specific proxy or proxies to be used for the income determination.
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Applicants will be determined to be eligible if they reside in a census tract whose average income

level is equal to or less than $60,685, which is at the 40th percentile.

Under the HAF guidance, HAF participants may provide waivers or exceptions to this documentation

requirement as reasonably necessary to accommodate extenuating circumstances, such as disabilities,

practical challenges related to the pandemic, or a lack of technological access by homeowners; in these cases,

the HAF participant is still responsible for making the required determination regarding household income

and documenting that determination. Will the Participant allow applicants to request such waivers or

exceptions?

Yes

Eligible Mortgage Types

Please indicate which of the following mortgage types are eligible to be assisted under one or more of the

Participant’s program design elements.

 First Mortgages 

 Reverse Mortgages (Home Equity Conversion Mortgages, Single-Purposes Reverse Mortgages, or

Proprietary Reverse Mortgages) 

 Contracts for Deed or Land Contract (if it is a credit transaction secured by a consensual security

interest in a dwelling) 

 Second Mortgages 

 Loans Secured by Manufactured Housing (secured by real estate or dwelling) 

If the Participant excludes any of the forgoing mortgage types from one or more program design elements,

explain the exclusion.

In order to get the program up-and-running as quickly and as well as possible, OHFA

re-activated programs from the Hardest Hit Funds that we found to be most efficient and most

effective. Due to the cumbersome administrative nature of second mortgages, undertaking such

activities at this time would have prevented OHFA from moving quickly to implement the HAF

program. We are evaluating the applications received during the pilot phase to determine the

extent of the need to add second mortgages as a design element.

How Will the Participant Target HAF Resources Consistent with Statutory

Requirements? 

The Participant must describe how it will target HAF resources in accordance with the HAF guidance.

Targeting strategies are affirmative efforts to inform, encourage the participation of, and facilitate access to

resources for targeted households, including by offering multiple intake formats, engaging with nonprofit

organizations (e.g., housing counselors or legal services organizations) to provide additional pathways into

the program, and providing community outreach, partnerships with housing counseling agencies or legal aid

organizations, or other educational services that are aligned with the HAF participant’s program design, in a

manner that is culturally and linguistically relevant to the targeted communities.

Defining Socially Disadvantaged Individual
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Please describe the process the Participant will use to determine whether a homeowner is a “socially

disadvantaged individual” as defined in the HAF guidance.

OHFA will seek self-determined designations from individuals completing applications.

Additionally, Athens County has been determined to be a persistently impoverished county.

OHFA will employ all options provided in the Guidance.

Public Communications

Will the Participant engage in a public communications campaign to raise awareness among targeted

populations about the availability of HAF resources, in media such as television, newspapers, online media,

or social media?

Yes

If yes, please indicate whether the public communications campaign will include communications that

primarily target the following populations:

 Homeowners earning less than 100% of area median income 

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 

 resident of a majority-minority Census tract; (3) 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land 

 homeowners in persistent poverty counties; 

 individual with limited English proficiency 

Please indicate in which languages, in addition to English, public communications to targeted populations

will be undertaken:

Spanish; Chinese; Vietnamese; Korean; Russian; Arabic; Other

Please list any other languages.

German, French, and Somali

Outreach

Will the Participant engage in outreach through partnerships with organizations that focus primarily on

serving homeowners earning incomes below 100% of area median income or socially disadvantaged

individuals and that have the capacity to engage targeted communities in a culturally and linguistically

relevant manner to encourage the submission of applications for HAF resources from targeted populations?

Yes

If yes, please indicate whether the community outreach efforts will include partnerships with organizations

that primarily target the following populations:
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 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 

 resident of a majority-minority Census tract; (3) individual with limited English proficiency; 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land;

 homeowners that reside in persistent poverty counties; 

 individual with limited English proficiency. 

Please list any other languages.

German, French, and Somali

Housing Counseling and Legal Services

Will the Participant facilitate access for eligible households to housing counseling or legal services?

Yes

If yes, please identify below the providers of housing counseling or legal services that have indicated to the

Participant that they are willing and able to support homeowners receiving assistance under the Participant’s

HAF programs. 

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

CHN Housing Partners

2999 Payne Ave , Cleveland, Ohio 44114

http://chnhousingpartners.org

Community Housing Solutions

12114 Larchmere Blvd , Cleveland, Ohio 44120

http://communityhousingsolutions.wordpress.com

Community Legal Aid Services

25 E Boardman St Suite 520, Youngstown, Ohio 44503

http://www.communitylegalaid.org

Homeport

3443 Agler Rd , Columbus, Ohio 43219

http://www.homeportohio.org

Fair Housing Resource Center

1100 Mentor Ave , Painesville, Ohio 44077

http://fhrc.org
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Legal Aid of Western Ohio

525 Jefferson Ave Ste. 400, Toledo, Ohio 43064

http://www.lawolaw.org

Legal Aid Society of Cleveland

1223 W Sixth St , Cleveland, Ohio 44113

http://lasclev.org

Legal Aid Society of Greater Cincinnati

215 E 9th St Suite 200, Cincinnati, Ohio 45202

http://lascinti.org

NeighborWorks Toledo

704 Second St , Toledo, Ohio 43605

http://www.nwtoledo.org

NID Housing Counseling Agency

3030 Euclid Ave Ste 412, Cleveland, Ohio 44115

http://www.nidagency.com

Ohio Poverty Law Center

1108 City Park Ave Suite 200, Columbus, Ohio 43206

http://www.ohiopovertylawcenter.org

Southeastern Ohio Legal Services

964 E State St , Athens, Ohio 45701

http://www.seols.org

Working in Neighborhoods

1814 Dreman Ave , Cincinnati, Ohio 45223

http://wincincy.org

Targeting specific groups of homeowners

Will the Participant conduct outreach specifically tailored to target potentially eligible households that:

 have mortgages or mortgage assistance contracts held or backed by the Participant? 

 have mortgages backed by any of the following agencies: Federal Housing Administration;

Department of Veterans Affairs; U.S. Department of Agriculture? 

 have privately held mortgages? 

What Efforts will be Made to Address Barriers to HAF Program Participation for

Potentially Eligible Homeowners, Including Those with Limited English

Proficiency or Who are Disabled?

Targeted outreach may be needed to reach homeowners who are likely to experience barriers to access,

including persons with limited English proficiency and those with disabilities.

Indicate all of the languages, in addition to English, in which the Participant’s HAF application and other

program documents will be made available.
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Other

Please list any other languages.

N/A

Will the Participant’s HAF applications and other program documents be provided in forms that are

accessible to persons with disabilities?

Yes
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Performance Goals

Treasury will consider the goals and benchmarks the Participant proposes to use to measure the effectiveness

of its programs, including whether those goals address the homeowner needs identified by the Participant, the

extent to which the goals are disaggregated by key homeowner characteristics as appropriate for the

jurisdiction, and whether they include a goal focused on reducing mortgage delinquency.

Please describe Participant’s goals and benchmarks for each of its programs with the following program

design elements.

Program Design Element Metric of Success Goal

Payment Assistance for

Homeowner’s Internet Service

Number of Homeowners Assisted with Internet

Costs 1,500

Payment Assistance for

Homeowner’s Insurance

Number of Homeowners Assisted with Insurance

Costs 1,500

Payment Assistance for HOA fees

or liens

Total Homeowner HOA/Condo Fees or Common

Charges Assistance Paid ~$5,000,000

Payment Assistance for

Homeowners Utilities

Number of Homeowners Assisted with Utility

Costs 4,500

Payment Assistance for

Homeowners Utilities Total Homeowner Utility Assistance Paid ~$14,000,000

Payment Assistance for

Homeowner’s Internet Service

Total Homeowner Internet Service Assistance Paid ~$5,000,000

Payment Assistance for

Homeowner’s Insurance Total Homeowner Insurance Assistance Paid ~$5,000,000

Payment Assistance for HOA fees

or liens

Number of Homeowners Assisted with

HOA/Condo Fees or Common Charges 1,500

Payment Assistance for Delinquent

Property Taxes

Number of Homeowners Assisted with Delinquent

Property Taxes 6,000

Payment Assistance for Delinquent

Property Taxes

Total Homeowner Delinquent Property Taxes Paid ~$19,000,000

Mortgage Reinstatement Total Mortgage Delinquency Assistance Paid ~$80,000,000

Mortgage Payment Assistance Total Monthly Mortgage Assistance Paid ~$120,000,000

Mortgage Payment Assistance Number of Homeowners Assisted with Monthly

Mortgage Payments 15,000

Mortgage Reinstatement Number of Home Losses Avoided 12,500
Page 19 of 26

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Readiness

Staffing, Systems and Contractors 

Treasury seeks information regarding the Participant’s organizational capacity to implement its HAF Plan.

Does the Participant anticipate needing to hire additional staff to implement this HAF Plan?

Yes

Does the Participant anticipate significant information technology system upgrades to implement this HAF

Plan?

Yes

Does the Participant have policies or procedures that govern the implementation of each HAF program

design element described in this HAF Plan?

Yes

Will the Participant use HAF funds to assist eligible households through a program that was operational

before the Participant first received HAF funds?

No

Will the Participant use any third-party contractor or partner to conduct program administration (such as

reviewing applications, determining eligibility, processing payments, conducting reporting, and reviewing

compliance) for some or all of the Participant’s HAF programs?

Yes

If yes, has the Participant entered into all necessary arrangements with all of the third-party contractors or

partners that will conduct program administration?

No

Use of Initial Payment

If the Participant has already received any HAF funds from Treasury, provide the following information

about the use of such funds as of June 30, 2021.

What amount of the HAF funds that the Participant has received been disbursed to eligible homeowners?

$50,814.77

Has the Participant begun accepting applications from homeowners for any HAF-funded programs?
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Yes

How much of the HAF funds that the Participant has received been obligated?

$2,021,470.91

How many households have applied for HAF assistance?

363

How many households has the Participant provided with housing counseling or legal services using HAF

funds?

0

How many households has the Participant provided with assistance using HAF funds?

7

Provide a brief description of how the Participant has used the HAF funds it has received.

Mortgage Assistance, Mortgage Rescue Payment Assistance, Administrative Costs, Utility Plus

Other Housing-Related Assistance
Page 21 of 26

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Budget

Budgeting of HAF Funds by Program Design Element 

Specify the amounts of HAF funds that the Participant proposes to allocate to each of the following program

design elements, if offered:

Measure Amount

Mortgage Payment Assistance $122,035,937.00

Mortgage Principal Reduction $0.00

Payment Assistance for Homeowner’s Internet Service $4,773,108.00

Payment Assistance for HOA fees or liens $4,773,108.00

Payment Assistance for Delinquent Property Taxes $19,092,433.00

Mortgage Reinstatement $80,843,244.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $4,773,108.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $14,319,325.00

Other measures to prevent homeowner displacement

Measure Amount

N/A $0.00

Displacement Prevention Sub-Total $250,610,263.00

Counseling or Legal Services

The Participant may allocate up to 5% of its HAF funds for counseling or educational efforts by housing

counseling agencies approved by the Department of Housing and Urban Development or a tribal government,

or legal services, target to households eligible to be served with funding from the HAF related to foreclosure

prevention or displacement.
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Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $9,546,216.00

Legal Services $2,386,554.00

Services Sub-Total $11,932,770.00

Reimbursement of Funds Expended After January 21, 2020

As described in the HAF guidance, HAF funds may be used for reimbursement of certain expenses between

January 21, 2020 and the date when the first HAF funds are disbursed by the HAF participant under the HAF

for a qualified expense (with certain limitations, as set forth in the HAF guidance).

Type of Expense Amount

N/A $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

Payroll $4,770,947.00

Contracts $4,971,079.00

Supplies $15,180.00

Program Support $6,887,636.00

Parking $70,686.00

Communications $30,500.00

Maintenance $86,000.00

Printing/Advertising $1,075,000.00

Purchased Services $119,700.00

Non-Capitalized Equipment and Software $201,312.00

Administrative Expenses Sub-Total $18,228,040.00
Page 23 of 26

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Total Plan Requested Amount $280,771,073.00

Amount Requested Confirmation:

Yes
Page 24 of 26

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Contacts

Please identify up to three contacts for the Participant- a primary contact, a designated point of contact for

reporting, and an additional contact.

Primary Contact

Name: Thomas Walker

Agency/Office: Housing Preservation Center

Email: twwalker@ohiohome.org

Phone Number: 6144669920

Reporting Contact

Name: Andrea Clark

Agency/Office: Housing Preservation Center

Email: aclark@ohiohome.org

Phone Number: 6147286123

Additional Contact

Name: Shawn Smith

Agency/Office: Executive Director

Email: ssmith@ohiohome.org

Phone Number: 6147529429

Proprietary or Otherwise Non-Public Information

Does your plan submission include any information or materials that are proprietary or otherwise non-public?

No

If "Yes," please indicate which information or materials are proprietary or otherwise non-public.
Page 25 of 26

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Title VI Assurances

You must provide on behalf of the HAF Participant assurances that the HAF Participant will comply with

Title VI of Civil Rights Act of 1964. Please download the assurances, then review, sign, and upload the

signed copy to this page before submitting the HAF Plan.

Title Upload Date

6. HAF-Title VI Assurance (5-18-2021) (1) 8/16/2021 2:57 PM
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Official Certification

I (the undersigned) certify that the information provided in the HAF submission is accurate and complete

after reasonable inquiry of people, systems, and other information available to the HAF Participant. The HAF

participant and I acknowledge that any materially false, fictitious, or fraudulent statement or representation

(or concealment or omission of material fact) in this submission may be the subject of criminal prosecution

under the False Statements Accountability Act of 1996, as amended, 18 U.S.C. § 1001 and also may subject

me and HAF Participant to civil penalties and/or administrative remedies for false claims or otherwise,

(including 31 U.S.C. §3729 et seq.). I am an authorized representative of HAF Participant with authority to

make the above certifications and representations on behalf of the HAF Participant.

Name of HAF Participant:

Ohio Housing Finance Agency

Name and Title of Certifying Official

Name: Shawn Smith

Title: Executive Director

Telephone: 6147529429

Email: ssmith@ohiohome.org