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HOMEOWNER ASSISTANCE FUND 

U.S. DEPARTMENT OF THE TREASURY 

Data and Methodology for State and Territory Allocations 

April 14, 2021 

Data and Allocation Formula for the States 

The American Rescue Plan Act of 2021 directs Treasury to allocate and make payments to States 

(including the District of Columbia and Puerto Rico) based on homeowner need as of the date of 

enactment (March 11, 2021), which is determined by reference to (1) the average number of 

unemployed individuals over a period of no fewer than three months and no more than 12 

months and (2) the total number of mortgagors with (a) mortgage payments that are more than 30 

days past due or (b) mortgages in foreclosure. The funds must be allocated by reference to these 

factors for each state relative to all states. 

Number of Unemployed Individuals by State Data 

Treasury will use seasonally adjusted data from the U.S. Bureau of Labor Statistics Local Area 

Unemployment Statistics (LAUS) for the purposes of determining the number of unemployed 

individuals in each state. The LAUS data are available at https://www.bls.gov/lau/data.htm. 

Treasury will use a four-month average of each state’s seasonally adjusted number of 

unemployed individuals. The four-month average is used to smooth the month-to-month 

variation in the number of unemployed individuals. 

As of the date of enactment, the most recent four-month average available was from September 

2020 to December 2020. 

Number of Mortgagors Who Are Delinquent 

Treasury will use the number of mortgagors with delinquent mortgage payments (more than 30 

days past due). The number of mortgagors with delinquent mortgage payments better captures 

the homeowner need in each state because the rate of delinquent mortgage payments has 

increased substantially since the beginning of the pandemic, while the rate of foreclosures has 

remained relatively constant over the same period. 

Treasury will use the number of delinquencies (in thousands) by state from the Mortgage 

Bankers Association and Haver Analytics.1

 As of the date of enactment, the most data recent 

available were from the fourth quarter of 2020. 

1

 Haver Analytics calculates the number of delinquent loans “by multiplying the delinquency rates by the total 

number of mortgages serviced both of which are published by the Mortgage Bankers Association.” At the state 

level, these data are not seasonally adjusted. 
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Weights on the Shares of the Number of Unemployed Individuals and of the Number of 

Mortgagors Who Are Delinquent 

In calculating each state’s allocations, Treasury will distribute the funds using a weighted 

average of each state’s share of the total average number of unemployed individuals over the 

four-month period from September 2020 to December 2020 and each state’s share of the total 

number of mortgagors who are delinquent on their payments. Specifically, Treasury will weight 

each state’s share of the total average number of unemployed individuals by 0.25 and each 

state’s share of the total number of mortgagors who are delinquent on their payments by 0.75. 

The table below includes each State’s allocation (which takes into account the statutory 

requirement that no State receive less than $50,000,000). 

State State Allocation 

Alabama $125,695,705.00 

Alaska $50,000,000.00 

Arizona $196,984,339.00 

Arkansas $63,330,313.00 

California $1,055,489,843.00 

Colorado $175,080,858.00 

Connecticut $123,136,792.00 

Delaware $50,000,000.00 

District of Columbia $50,000,000.00 

Florida $676,102,379.00 

Georgia $354,185,231.00 

Hawaii $50,000,000.00 

Idaho $71,935,431.00 

Illinois $386,903,117.00 

Indiana $167,921,663.00 

Iowa $50,000,000.00 

Kansas $56,648,216.00 

Kentucky $85,453,322.00 

Louisiana $146,668,557.00 

Maine $50,000,000.00 

Maryland $248,588,848.00 

Massachusetts $178,543,357.00 

Michigan $242,812,277.00 

Minnesota $128,663,948.00 

Mississippi $72,281,675.00 

Missouri $138,269,336.00 

Montana $50,000,000.00 

Nebraska $50,000,000.00 

Nevada $120,917,256.00 

New Hampshire $50,000,000.00 

New Jersey $325,965,861.00 
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New Mexico $55,772,684.00 

New York $539,458,518.00 

North Carolina $273,337,247.00 

North Dakota $50,000,000.00 

Ohio $280,771,073.00 

Oklahoma $87,056,967.00 

Oregon $90,937,920.00 

Pennsylvania $350,361,655.00 

Puerto Rico $75,637,542.00 

Rhode Island $50,000,000.00 

South Carolina $144,650,807.00 

South Dakota $50,000,000.00 

Tennessee $168,239,035.00 

Texas $842,214,006.00 

Utah $66,030,555.00 

Vermont $50,000,000.00 

Virginia $258,444,431.00 

Washington $173,153,935.00 

West Virginia $50,000,000.00 

Wisconsin $92,705,301.00 

Wyoming $50,000,000.00 

Total $9,390,350,000.00 

U.S. Territories 

The statute provides that Treasury must reserve $30,000,000 to be disbursed to Guam, American 

Samoa, the United States Virgin Islands, and the Commonwealth of the Northern Mariana 

Islands based on each such territory’s share of the combined total population of all such 

territories, as determined by Treasury. The statute specifies that these populations must be 

determined based on the most recent year for which data are available from the United States 

Census Bureau. 

Treasury will use data from the U.S. Census Bureau’s International Programs’ International Data 

Base for determining the populations of the U.S. Virgin Islands, Guam, the Commonwealth of 

the Northern Mariana Islands, and American Samoa. 

Treasury will use the 2021 population projections from the Census Bureau’s International 

Programs’ December 2020 population estimates and projections for U.S. Virgin Islands, Guam, 

the Commonwealth of the Northern Mariana Islands, and American Samoa. These data are 

available at https://www.census.gov/data-tools/demo/idb/#/table. 

The table below includes the population of each Territory, each Territory’s share of the total 

population of the Territories, and the allocation for each Territory. 
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Population, 2021 Share of Total Population Allocation 

American Samoa 46,366 0.1244 $3,732,211.00

Guam 168,801 0.4529 $13,587,562.00

Northern Mariana Islands 51,659 0.1386 $4,158,268.00

Virgin Islands 105,870 0.2840 $8,521,959.00

Total 372,696 1.0000 $30,000,000.00