OMB Approved No.: 1505-0269 

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Payment Assistance Program

OHFA HAF Mortgage Payment Assistance Program 12-03-2021 Page 1 of 5

Criteria Terms

Brief description

Provide up to 6 months of mortgage payment assistance to homeowners who are delinquent by at least one mortgage payment, currently in forbearance, but existing, have 

completed a loan modification, partial claim or loan deferral due to COVID financial hardship and are unable to comfortably make ongoing mortgage payments due to a 

continuing financial hardship associated with the Coronavirus pandemic.

Payments for this program will be prioritized in the following order for eligible expenses incurred after January 21, 2020:

• Up to six months of forward mortgage payments, if applicant’s maximum assistance has not been exhausted

• Property taxes, insurance, HOA, and condominium fees due within 90 days of application submission, if applicant’s maximum assistance has not been exhausted

Maximum amount of 

assistance per homeowner

Homeowner will be eligible for up to $35,000 in total assistance across all HAF programs for the homeowner’s primary residence.

Homeowner eligibility 

criteria

Homeowner must meet the Program’s income eligibility requirements, which are defined as:

• Household income equal to or less than 100% of the Area Median Income (AMI) for their county or household income equal to or less than 100% of the U.S. Area 

Median Income (AMI), whichever is greater

• Household income equal to or less than 100% of the U.S. Area Median Income (AMI) or less than 150% of the county area median income for homeowners classified as 

socially disadvantaged

** OHFA is using a fact-specific proxy to reduce documentation requirements to remove barriers and expedite payments on behalf of Oklahoma homeowners. Applicant 

households with self-reported incomes of less than 100% Area Median Income (AMI) for their county for a four-person household size will be able to use the fact-specific proxy 

in lieu of submitting income documentation. Applicant households with self-reported incomes of greater than or equal to 100% Area Median Income (AMI) for their county for a 

four-person household size will not be able to use the fact-specific proxy and will have to submit additional income documentation (e.g., current paystubs covering 60 days, 

most recent tax returns with W2’s and/or alternative income documents, as applicable) for income eligibility determination. 

Application Period:

Applications will be accepted from the program launch date through September 30, 2025, or until funds are fully expended. 

Applicant must meet the following criteria: 

• Must be a homeowner

• Must be U.S. citizen or show proof of green card 

• Must currently own and occupy the property as their primary residence 

• Must have experienced a COVID-19 qualified financial hardship after January 21, 2020
OMB Approved No.: 1505-0269 

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Payment Assistance Program

OHFA HAF Mortgage Payment Assistance Program 12-03-2021 Page 2 of 5

Criteria Terms

• Must be delinquent by at least one mortgage payment, including any payments during a forbearance period, or have a loan modification, partial claim, or loan deferral 

amount due to a COVID related financial hardship.

• Must meet income eligibility requirements

• Principal balance of the homeowner’s first mortgage cannot be greater than the conforming loan limit at the time of origination 

• Assistance cannot duplicate assistance provided by other programs

• Applicants will not be required to complete a loss mitigation waterfall prior to utilizing HAF 

• Co-owners are not permitted to separately apply for assistance

COVID-19 Qualified Financial Hardship:

A COVID-19 qualified financial hardship is: A material reduction in income or material increase in living expenses associated with the coronavirus pandemic, occurring after 

January 21, 2020, that has created or increased a risk of mortgage delinquency, mortgage default, foreclosure, or displacement for a homeowner. 

Eligible Legal Ownership Structures:

Oklahoma Eligible Legal Ownership Structures include only the following: 

• Ownership structure: must be owned by a “natural person” (i.e., LLP, LP or LLC do not qualify) 

• Homeowners who have transferred their ownership right into non-incorporated living trusts are eligible

Targeting:

Not less than 60% of HAF must be used for qualified expenses that assist homeowners having incomes equal to or less than 100% of the area median income for their county or

equal to or less than 100% of the median income for the United States, whichever is greater. Any amount not made available to homeowners that meet this income-targeting 

requirement must be prioritized for assistance to socially disadvantaged individuals.

Socially Disadvantaged Individuals:

Defined as those whose ability to purchase or own a home has been impaired due to diminished access to credit on reasonable terms as compared to others in comparable 

economic circumstances, based on disparities in homeownership rates in the participant’s jurisdiction as documented by the U.S. Census. The impairment must stem from 

circumstances beyond their control. Indicators of impairment under this definition may include being a (1) member of a group that has been subjected to racial or ethnic 

prejudice or cultural bias within American society; (2) resident of a majority-minority Census tract; (3) individual with limited English proficiency; (4) resident of a U.S. territory, 

Indian reservation, or Hawaiian Home Land; or (5) individual who lives in a persistent-poverty county, meaning any county that has had 20% or more of its population living in 

poverty over the past 30 years as measured by the three most recent decennial censuses. In addition, an individual may be determined to be a socially disadvantaged individual 

in accordance with a process developed by OHFA for determining whether a homeowner is a socially disadvantaged individual in accordance with applicable law, which may 
OMB Approved No.: 1505-0269 

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Payment Assistance Program

OHFA HAF Mortgage Payment Assistance Program 12-03-2021 Page 3 of 5

Criteria Terms

reasonably rely on self-attestations.

Eligible and ineligible 

property types

Eligible Property Types:

Primary residence including:

• Single-family home

• Condominium unit

• Duplex

• One-to-four-unit dwelling

• Manufactured home permanently affixed 

Ineligible Property Types:

Manufactured home not permanently affixed

Non-primary residence including:

• Vacant or abandoned home

• Second home 

• Investment property

Required documentation

Required Application Documents:

• HAF application 

• Borrower Authorization 

• W-9 

• Qualifying COVID-19 hardship attestation from homeowner identifying and certifying the eligible hardship and that it occurred after January 21, 2020

• Homeowner written statement certifying current inability to resume mortgage payments due to unemployment, underemployment, or other continuing hardship

• Mortgage statement for each mortgage (first and subordinate)

• Proof of primary residence (e.g., recent utility bill, driver’s license, etc.)

• Current Government issued Photo ID 

• Valid social security card issued by the Social Security Administration, or an original document issued by a federal or state government agency which contains the SSN

• Attestation certifying socially disadvantaged status, if applicable 

• Proof of court ordered discharge or dismissal if bankruptcy has been filed within the last three years

• Income documentation must be provided for households that do not qualify using the fact-specific proxy (e.g., current paystubs covering 60 days, most recent tax 

returns with W2’s and/or alternative income documents, as applicable) 

• Other documents as required
OMB Approved No.: 1505-0269 

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Payment Assistance Program

OHFA HAF Mortgage Payment Assistance Program 12-03-2021 Page 4 of 5

Criteria Terms

Note: Applicant must assist in obtaining additional information, if requested.

Eligible uses of mortgage 

payment assistance funds

Eligible uses of HAF program funds:

Housing obligations incurred after January 21, 2020, including the following: 

• Existing first mortgage principal and interest (P&I) 

• Subordinate mortgage lien payment (P&I) 

• Homeowner’s escrowed hazard, flood and/or mortgage insurance 

• Escrowed property taxes

• Escrowed homeowner association fees, condominium association fees or common charges, including for lien extinguishment

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements

Homeowner assistance payments will be disbursed directly to mortgage lender/servicer.

Program Partner Requirements:

• Lender/servicer may execute HAF partner agreement and may utilize the Common Data File (CDF) or other appropriate means to communicate

• Lender/servicer to provide contact information and ACH account information 

Quality Control:

HAF will ensure program integrity by performing a 100% quality control review of approved applications prior to disbursement of funds.

PAPERWORK REDUCTION ACT NOTICE

The information collected will be used for the U.S. Government to process requests for support. The estimated burden associated with this collection of information is 1 hour per response. Comments concerning the accuracy of this burden estimate and suggestions for reducing this 

burden should be directed to the Office of Privacy, Transparency and Records, Department of the Treasury, 1500 Pennsylvania Ave., N.W., Washington, D.C. 20220. DO NOT send the form to this address. An agency may not conduct or sponsor, and a person is not required to respond to, a 

collection of information unless it displays a valid control number assigned by OMB.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Payment Assistance Program

OHFA HAF Mortgage Payment Assistance Program 12-03-2021 Page 5 of 5
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA & Condominium Fees Program

OHFA HAF Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA, & Condominium Fees Program 12-03-2021 Page 1 of 4

Criteria Terms

Brief description

Provide funds to resolve any property charge default that threatens a homeowner’s ability to sustain ownership of the property, whether concurrently with other loss mitigation 

options or in conjunction with other assistance programs, as long as assistance is not duplicative. 

HAF may be used to pay non-escrowed past due property taxes, insurance premiums, HOA fees, condominium fees, cooperative maintenance or common charges that threaten 

sustained ownership of the property. 

Funds may also be used to pay non-escrowed property taxes, insurance premiums, HOA & condominium fees due in the 90 days following application submission.

Payments for this program will be prioritized in the following order for eligible expenses incurred after January 21, 2020:

• Non-escrowed delinquent property taxes 

• Non-escrowed hazard, flood and/or mortgage insurance

• Non-escrowed condominium/Homeowner Association fees

Maximum amount of 

assistance per homeowner

Homeowner will be eligible for up to $35,000 in total assistance across all HAF programs for the homeowner’s primary residence.

Homeowner eligibility 

criteria

Homeowner must meet the Program’s income eligibility requirements, which are defined as:

• Household income equal to or less than 100% of the Area Median Income (AMI) for their county or household income equal to or less than 100% of the U.S. Area 

Median Income (AMI), whichever is greater

• Household income equal to or less than 100% of the U.S. Area Median Income (AMI) or less than 150% of the county area median income for homeowners classified as 

socially disadvantaged

** OHFA is using a fact-specific proxy to reduce documentation requirements to remove barriers and expedite payments on behalf of Oklahoma homeowners. Applicant 

households with self-reported incomes of less than 100% Area Median Income (AMI) for their county for a four-person household size will be able to use the fact-specific proxy 

in lieu of submitting income documentation. Applicant households with self-reported incomes of greater than or equal to 100% Area Median Income (AMI) for their county for a 

four-person household size will not be able to use the fact-specific proxy and will have to submit additional income documentation (e.g., current paystubs covering 60 days, 

most recent tax returns with W2’s and/or alternative income documents, as applicable) for income eligibility determination. 

Application Period:

Applications will be accepted from the program launch date through September 30, 2025, or until funds are fully expended. 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA & Condominium Fees Program

OHFA HAF Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA, & Condominium Fees Program 12-03-2021 Page 2 of 4

Criteria Terms

Applicant must meet the following criteria:

• Must be a homeowner

• Must be U.S. citizen or show proof of green card

• Must currently own and occupy the property as their primary residence 

• Must have experienced a COVID-19 qualified financial hardship after January 21, 2020

• Must be delinquent by at least one payment

• Must meet income eligibility requirements

• Assistance cannot duplicate assistance provided by other programs

• Applicants will not be required to complete a loss mitigation waterfall prior to utilizing HAF 

• Co-owners are not permitted to separately apply for assistance

COVID-19 Qualified Financial Hardship:

A COVID-19 qualified financial hardship is: A material reduction in income or material increase in living expenses associated with the coronavirus pandemic, occurring after 

January 21, 2020, that has created or increased a risk of mortgage delinquency, mortgage default, foreclosure, or displacement for a homeowner. 

Eligible Legal Ownership Structures:

Oklahoma Eligible Legal Ownership Structures include only the following: 

• Ownership structure: must be owned by a “natural person” (i.e., LLP, LP or LLC do not qualify)

• Homeowners who have transferred their ownership right into non-incorporated living trusts are eligible

Targeting:

Not less than 60% of HAF must be used for qualified expenses that assist homeowners having incomes equal to or less than 100% of the area median income for their county or 

equal to or less than 100% of the median income for the United States, whichever is greater. Any amount not made available to homeowners that meet this income-targeting 

requirement must be prioritized for assistance to socially disadvantaged individuals.

Socially Disadvantaged Individuals:

Defined as those whose ability to purchase or own a home has been impaired due to diminished access to credit on reasonable terms as compared to others in comparable 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA & Condominium Fees Program

OHFA HAF Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA, & Condominium Fees Program 12-03-2021 Page 3 of 4

Criteria Terms

economic circumstances, based on disparities in homeownership rates in the participant’s jurisdiction as documented by the U.S. Census. The impairment must stem from 

circumstances beyond their control. Indicators of impairment under this definition may include being a (1) member of a group that has been subjected to racial or ethnic 

prejudice or cultural bias within American society; (2) resident of a majority-minority Census tract; (3) individual with limited English proficiency; (4) resident of a U.S. territory, 

Indian reservation, or Hawaiian Home Land; or (5) individual who lives in a persistent-poverty county, meaning any county that has had 20% or more of its population living in 

poverty over the past 30 years as measured by the three most recent decennial censuses. In addition, an individual may be determined to be a socially disadvantaged individual 

in accordance with a process developed by OHFA for determining whether a homeowner is a socially disadvantaged individual in accordance with applicable law, which may 

reasonably rely on self-attestations.

Eligible and ineligible 

property types

Eligible Property Types:

Primary residence including:

• Single-family home

• Condominium unit

• Duplex

• One-to-four-unit dwelling

• Manufactured home permanently affixed 

Ineligible Property Types:

Manufactured home not permanently affixed

Non-primary residence including:

• Vacant or abandoned home

• Second home 

• Investment property

Required documentation

Required Application Documents:

• HAF application 

• Borrower Authorization 

• W-9 

• Qualifying COVID-19 hardship attestation from homeowner identifying and certifying the eligible hardship and that it occurred after January 21, 2020

• Attestation certifying current inability to resume non-escrowed qualifying payments due to unemployment, underemployment, or other continuing hardship

• Proof of delinquent non-escrowed past due property taxes, insurance premiums, HOA fees, condominium fees, cooperative maintenance, or common charges
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA & Condominium Fees Program

OHFA HAF Non-escrowed Delinquent Property Taxes, Insurance Premiums, HOA, & Condominium Fees Program 12-03-2021 Page 4 of 4

Criteria Terms

• Invoice for eligible property charges due within 90 days from application submission

• Proof of primary residence (e.g., recent utility bill, driver’s license, etc.)

• Current Government issued Photo ID 

• Valid social security card issued by the Social Security Administration, or an original document issued by a federal or state government agency which contains the SSN

• Attestation certifying socially disadvantaged status, if applicable 

• Proof of court ordered discharge or dismissal if bankruptcy has been filed within the last three years

• Income documentation must be provided for households that do not qualify using the fact-specific proxy (e.g., current paystubs covering 60 days, most recent tax 

returns with W2’s and/or alternative income documents, as applicable)

• Other documents as required

Note: Applicant must assist in obtaining additional information, if requested.

Eligible uses of HAF for nonescrowed items 

Eligible uses of HAF program funds:

• Delinquent non-escrowed property taxes, insurance premiums, HOA fees, condominium fees, cooperative maintenance or common charges that threaten sustained 

ownership of the property

• Non-escrowed property taxes, insurance premiums, HOA fees, condominium fees, cooperative maintenance, or common charges due within 90 days of application 

submission

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements

Homeowner assistance payments will be disbursed directly to county treasurer, condominium/homeowner association, insurance company, and/or local taxing authority.

Quality Control:

HAF will ensure program integrity by performing a 100% quality control review of approved applications prior to disbursement of funds.

PAPERWORK REDUCTION ACT NOTICE

The information collected will be used for the U.S. Government to process requests for support. The estimated burden associated with this collection of information is 1 hour per response. Comments concerning the accuracy of this burden estimate and suggestions for reducing this 

burden should be directed to the Office of Privacy, Transparency and Records, Department of the Treasury, 1500 Pennsylvania Ave., N.W., Washington, D.C. 20220. DO NOT send the form to this address. An agency may not conduct or sponsor, and a person is not required to respond to, a 

collection of information unless it displays a valid control number assigned by OMB.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Government or Nonprofit Down Payment Loan Reinstatement Program

OHFA HAF Government or Nonprofit Down Payment Loan Reinstatement Program 12-03-2021 Page 1 of 4

Criteria Terms

Brief description

Provide funds to eliminate or reduce past due loan payments to government or nonprofit entities for down payment assistance. 

HAF funds may be used to supplement other loss mitigation options, as long as assistance is not duplicated.

Payments for this program will be prioritized in the following order for eligible expenses incurred after January 21, 2020:

• Past-due loan payments to government or nonprofit entities for down payment assistance 

• Reasonable lender assessed fees

Maximum amount of 

assistance per homeowner

Homeowner will be eligible for up to $35,000 in total assistance across all HAF programs for the homeowner’s primary residence.

Homeowner eligibility 

criteria

Homeowner must meet the Program’s income eligibility requirements, which are defined as:

• Household income equal to or less than 100% of the Area Median Income (AMI) for their county or household income equal to or less than 100% of the U.S. Area 

Median Income (AMI), whichever is greater

• Household income equal to or less than 100% of the U.S. Area Median Income (AMI) or less than 150% of the county area median income for homeowners classified as 

socially disadvantaged

** OHFA is using a fact-specific proxy to reduce documentation requirements to remove barriers and expedite payments on behalf of Oklahoma homeowners. Applicant 

households with self-reported incomes of less than 100% Area Median Income (AMI) for their county for a four-person household size will be able to use the fact-specific proxy 

in lieu of submitting income documentation. Applicant households with self-reported incomes of greater than or equal to 100% Area Median Income (AMI) for their county for a 

four-person household size will not be able to use the fact-specific proxy and will have to submit additional income documentation (e.g., current paystubs covering 60 days, 

most recent tax returns with W2’s and/or alternative income documents, as applicable) for income eligibility determination. 

Application Period:

Applications will be accepted from the program launch date through September 30, 2025, or until funds are fully expended. 

Applicant must meet the following criteria:

• Must be a homeowner

• Must be U.S. citizen or show proof of green card 

• Must currently own and occupy the property as their primary residence 

• Must have experienced a COVID-19 qualified financial hardship after January 21, 2020
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Government or Nonprofit Down Payment Loan Reinstatement Program

OHFA HAF Government or Nonprofit Down Payment Loan Reinstatement Program 12-03-2021 Page 2 of 4

Criteria Terms

• Must be delinquent by at least one mortgage payment, including any payments during a forbearance period, or have a loan modification, partial claim, or loan deferral 

amount due to a COVID financial hardship.

• Must meet income eligibility requirements

• Principal balance of the homeowner’s first mortgage cannot be greater than the conforming loan limit at the time of origination

• Assistance cannot duplicate assistance provided by other programs

• Applicants will not be required to complete a loss mitigation waterfall prior to utilizing HAF

• Co-owners are not permitted to separately apply for assistance

COVID-19 Qualified Financial Hardship:

A COVID-19 qualified financial hardship is: A material reduction in income or material increase in living expenses associated with the coronavirus pandemic, occurring after 

January 21, 2020, that has created or increased a risk of mortgage delinquency, mortgage default, foreclosure, or displacement for a homeowner. 

Eligible Legal Ownership Structures:

Oklahoma Eligible Legal Ownership Structures include only the following: 

• Ownership structure: must be owned by a “natural person” (i.e., LLP, LP or LLC do not qualify)

• Homeowners who have transferred their ownership right into non-incorporated living trusts are eligible

Targeting:

Not less than 60% of HAF must be used for qualified expenses that assist homeowners having incomes equal to or less than 100% of the area median income for their county or 

equal to or less than 100% of the median income for the United States, whichever is greater. Any amount not made available to homeowners that meet this income-targeting 

requirement must be prioritized for assistance to socially disadvantaged individuals.

Socially Disadvantaged Individuals:

Defined as those whose ability to purchase or own a home has been impaired due to diminished access to credit on reasonable terms as compared to others in comparable 

economic circumstances, based on disparities in homeownership rates in the participant’s jurisdiction as documented by the U.S. Census. The impairment must stem from 

circumstances beyond their control. Indicators of impairment under this definition may include being a (1) member of a group that has been subjected to racial or ethnic 

prejudice or cultural bias within American society; (2) resident of a majority-minority Census tract; (3) individual with limited English proficiency; (4) resident of a U.S. territory, 

Indian reservation, or Hawaiian Home Land; or (5) individual who lives in a persistent-poverty county, meaning any county that has had 20% or more of its population living in 

poverty over the past 30 years as measured by the three most recent decennial censuses. In addition, an individual may be determined to be a socially disadvantaged individual 

in accordance with a process developed by OHFA for determining whether a homeowner is a socially disadvantaged individual in accordance with applicable law, which may 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Government or Nonprofit Down Payment Loan Reinstatement Program

OHFA HAF Government or Nonprofit Down Payment Loan Reinstatement Program 12-03-2021 Page 3 of 4

Criteria Terms

reasonably rely on self-attestations.

Eligible and ineligible 

property types

Eligible Property Types:

Primary residence including:

• Single-family home

• Condominium unit

• Duplex

• One-to-four-unit dwelling

• Manufactured home permanently affixed. 

Ineligible Property Types:

Manufactured home not permanently affixed

Non-primary residence including:

• Vacant or abandoned home

• Second home 

• Investment property

Required documentation

Required Application Documents:

• HAF application 

• Borrower Authorization 

• W-9 

• Qualifying COVID-19 hardship attestation from homeowner identifying and certifying the eligible hardship and that it occurred after January 21, 2020

• Mortgage statement for each mortgage (first and subordinate)

• Proof of primary residence (e.g., recent utility bill, driver’s license, etc.)

• Current Government issued Photo ID 

• Valid social security card issued by the Social Security Administration, or an original document issued by a federal or state government agency which contains the SSN

• Proof of court ordered discharge or dismissal if bankruptcy has been filed within the last three years

• Income documentation must be provided for households that do not qualify using the fact-specific proxy (e.g., current paystubs covering 60 days, most recent tax 

returns with W2’s and/or alternative income documents, as applicable) 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Government or Nonprofit Down Payment Loan Reinstatement Program

OHFA HAF Government or Nonprofit Down Payment Loan Reinstatement Program 12-03-2021 Page 4 of 4

Criteria Terms

• Other documents as required

Note: Applicant must assist in obtaining additional information, if requested.

Eligible use of down 

payment loan reinstatement 

funds

Eligible use of HAF program funds:

Payment for delinquent down payment assistance loan provided by a government or nonprofit entity.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements

Homeowner assistance payments will be disbursed directly to mortgage lender/servicer.

Program Partner Requirements:

• Lender/servicer may execute HAF partner agreement and may utilize the Common Data File (CDF) or other appropriate means to communicate

• Lender/servicer to provide written reinstatement balance, contact information and ACH account information 

Quality Control:

HAF will ensure program integrity by performing a 100% quality control review of approved applications prior to disbursement of funds.

PAPERWORK REDUCTION ACT NOTICE

The information collected will be used for the U.S. Government to process requests for support. The estimated burden associated with this collection of information is 1 hour per response. Comments concerning the accuracy of this burden estimate and suggestions for reducing this 

burden should be directed to the Office of Privacy, Transparency and Records, Department of the Treasury, 1500 Pennsylvania Ave., N.W., Washington, D.C. 20220. DO NOT send the form to this address. An agency may not conduct or sponsor, and a person is not required to respond to, a 

collection of information unless it displays a valid control number assigned by OMB.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Reinstatement Program

OHFA HAF Mortgage Reinstatement Program 09-29-2021 Page 1 of 5

Criteria Terms

Brief description

Provide funds to eliminate or reduce past due mortgage payments, including escrow items and payments under a forbearance plan. 

HAF may be used to bring accounts current, with no remaining delinquent amounts, and to repay amounts advanced by the lender or servicer on the borrower’s behalf for 

property charges, including property taxes, hazard insurance premiums, flood or wind insurance premiums, condominium fees, and homeowners’ association fees. Payment 

may also include any reasonably required legal fees.

HAF funds may be used to supplement other loss mitigation options, as long as assistance is not duplicated. 

Payments for this program will be prioritized in the following order for eligible expenses incurred after January 21, 2020:

• First and subordinate mortgage, including escrowed charges

• Reasonable lender assessed fees

Maximum amount of 

assistance per homeowner

Homeowner will be eligible for up to $35,000 in total assistance across all HAF programs for the homeowner’s primary residence.

Homeowner eligibility 

criteria

Homeowner must meet the Program’s income eligibility requirements, which are defined as:

• Household income equal to or less than 100% of the Area Median Income (AMI) for their county or household income equal to or less than 100% of the U.S. Area 

Median Income (AMI), whichever is greater

• Household income equal to or less than 100% of the U.S. Area Median Income (AMI) or less than 150% of the county area median income for homeowners classified 

as socially disadvantaged

** OHFA is using a fact-specific proxy to reduce documentation requirements to remove barriers and expedite payments on behalf of Oklahoma homeowners. Applicant 

households with self-reported incomes of less than 100% Area Median Income (AMI) for their county for a four-person household size will be able to use the fact-specific 

proxy in lieu of submitting income documentation. Applicant households with self-reported incomes of greater than or equal to 100% Area Median Income (AMI) for their 

county for a four-person household size will not be able to use the fact-specific proxy and will have to submit additional income documentation (e.g., current paystubs 

covering 60 days, most recent tax returns with W2’s and/or alternative income documents, as applicable) for income eligibility determination.

Application Period:

Applications will be accepted from the program launch date through September 30, 2025, or until funds are fully expended. 

Applicant must meet the following criteria:
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Reinstatement Program

OHFA HAF Mortgage Reinstatement Program 09-29-2021 Page 2 of 5

Criteria Terms

• Must be a homeowner

• Must be U.S. citizen or show proof of green card

• Must currently own and occupy the property as their primary residence 

• Must have experienced a COVID-19 qualified financial hardship after January 21, 2020

• Must be delinquent by at least one mortgage payment, including any payments during a forbearance period, or have a loan modification, partial claim, or loan 

deferral amount due to a COVID related financial hardship.

• Must meet income eligibility requirements

• Principal balance of the homeowner’s first mortgage cannot be greater than the conforming loan limit at the time of origination

• Assistance cannot duplicate assistance provided by other programs

• Applicants will not be required to complete a loss mitigation waterfall prior to utilizing HAF

• Co-owners are not permitted to separately apply for assistance

COVID-19 Qualified Financial Hardship:

A COVID-19 qualified financial hardship is: A material reduction in income or material increase in living expenses associated with the coronavirus pandemic, occurring after 

January 21, 2020, that has created or increased a risk of mortgage delinquency, mortgage default, foreclosure, or displacement for a homeowner. 

Eligible Legal Ownership Structures:

Oklahoma Eligible Legal Ownership Structures include only the following: 

• Ownership structure: must be owned by a “natural person” (i.e., LLP, LP or LLC do not qualify)

• Homeowners who have transferred their ownership right into non-incorporated living trusts are eligible

Targeting:

Not less than 60% of HAF must be used for qualified expenses that assist homeowners having incomes equal to or less than 100% of the area median income for their county 

or equal to or less than 100% of the median income for the United States, whichever is greater. Any amount not made available to homeowners that meet this incometargeting requirement must be prioritized for assistance to socially disadvantaged individuals.

Socially Disadvantaged Individuals:

Defined as those whose ability to purchase or own a home has been impaired due to diminished access to credit on reasonable terms as compared to others in comparable 

economic circumstances, based on disparities in homeownership rates in the participant’s jurisdiction as documented by the U.S. Census. The impairment must stem from 

circumstances beyond their control. Indicators of impairment under this definition may include being a (1) member of a group that has been subjected to racial or ethnic 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Reinstatement Program

OHFA HAF Mortgage Reinstatement Program 09-29-2021 Page 3 of 5

Criteria Terms

prejudice or cultural bias within American society; (2) resident of a majority-minority Census tract; (3) individual with limited English proficiency; (4) resident of a U.S. 

territory, Indian reservation, or Hawaiian Home Land; or (5) individual who lives in a persistent-poverty county, meaning any county that has had 20% or more of its 

population living in poverty over the past 30 years as measured by the three most recent decennial censuses. In addition, an individual may be determined to be a socially 

disadvantaged individual in accordance with a process developed by OHFA for determining whether a homeowner is a socially disadvantaged individual in accordance with 

applicable law, which may reasonably rely on self-attestations.

Eligible and ineligible 

property types

Eligible Property Types:

Primary residence including:

• Single-family home

• Condominium unit

• Duplex

• One-to-four-unit dwelling

• Manufactured home permanently affixed 

Ineligible Property Types:

Manufactured home not permanently affixed

Non-primary residence including:

• Vacant or abandoned home

• Second home 

• Investment property

Required documentation

Required Application Documents:

• HAF application 

• Borrower Authorization 

• W-9 

• Qualifying COVID-19 hardship attestation from homeowner identifying and certifying the eligible hardship and that it occurred after January 21, 2020

• Mortgage statement for each mortgage (first and subordinate)

• Proof of primary residence (e.g., recent utility bill, driver’s license, etc.)

• Current Government issued Photo ID 

• Valid social security card issued by the Social Security Administration, or an original document issued by a federal or state government agency which contains the SSN

• Attestation certifying socially disadvantaged status, if applicable 

• Proof of court ordered discharge or dismissal if bankruptcy has been filed within the last three years
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Reinstatement Program

OHFA HAF Mortgage Reinstatement Program 09-29-2021 Page 4 of 5

Criteria Terms

• Income documentation must be provided for households that do not qualify using the fact-specific proxy (e.g., current paystubs covering 60 days, most recent tax 

returns with W2’s and/or alternative income documents, as applicable) 

• Other documents as required

Note: Applicant must assist in obtaining additional information, if requested.

Eligible uses of mortgage 

reinstatement funds

Eligible uses of HAF program funds:

Housing obligations incurred after January 21, 2020, including the following: 

• Existing first mortgage principal and interest (P&I), escrow shortages, and servicer corporate advances

• Subordinate mortgage lien payment (P&I) to bring mortgage current

• Homeowner’s escrowed hazard, flood and/or mortgage insurance 

• Delinquent escrowed property taxes

• Escrowed Homeowner’s Association fees, Condominium Association fees or common charges, including for lien extinguishment

• Reasonable lender-assessed fees 

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements

Homeowner assistance payments will be disbursed directly to mortgage lender/servicer.

Program Partner Requirements:

• Lender/servicer may execute HAF partner agreement and may utilize the Common Data File (CDF) or other appropriate means to communicate

• Lender/servicer to provide contact information and ACH account information 

Quality Control:

HAF will ensure program integrity by performing a 100% quality control review of approved applications prior to disbursement of funds.

PAPERWORK REDUCTION ACT NOTICE

The information collected will be used for the U.S. Government to process requests for support. The estimated burden associated with this collection of information is 1 hour per response. Comments concerning the accuracy of this burden estimate and suggestions for reducing this 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Oklahoma Housing Finance Agency (OHFA) Homeowner Assistance Fund (HAF)

Mortgage Reinstatement Program

OHFA HAF Mortgage Reinstatement Program 09-29-2021 Page 5 of 5

burden should be directed to the Office of Privacy, Transparency and Records, Department of the Treasury, 1500 Pennsylvania Ave., N.W., Washington, D.C. 20220. DO NOT send the form to this address. An agency may not conduct or sponsor, and a person is not required to respond to, a 

collection of information unless it displays a valid control number assigned by OMB.