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Utah Homeowners Assistance Fund (UHAF) - Program Term Sheet

Program Overview The UHAF program was established under section 3206 of the 

American Rescue Plan Act of 2021 (“ARPA”) to mitigate 

financial hardships associated with the COVID-19 pandemic by 

providing funds to eligible entities for the purpose of preventing 

homeowner mortgage delinquencies, defaults, foreclosures, and 

displacements of homeowners experiencing financial hardship 

after January 21, 2020, through qualified expenses related to 

mortgages and housing.

HAF Program Goal To provide financial assistance to eliminate or reduce mortgage 

loan delinquencies to prevent foreclosure and displacement.

Size of HAF Program DWS will utilize up to $66,030,555.00 of its total HAF allocation 

for this program.

Maximum Assistance Per Household Applicant(s) DWS will provide eligible Household Applicant(s) qualified 

expenses related to the Household Applicant(s) Primary 

Dwelling. A Primary Dwelling is a single unit Dwelling that the 

Household Applicant(s), who is listed on the mortgage 

statement(s) and the County Primary Residential Real Property 

tax records, resides in for a minimum of 183 days or more per 

calendar year.
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Maximum assistance amount of the UHAF program will be

$35,000 per Household Applicant(s). DWS will expend funds as 

necessary to bring a Household Applicant(s) Primary Dwelling 

fully current, with no remaining delinquent amounts, and to 

repay amounts advanced by the lender or servicer on the 

borrower’s behalf for property charges.

Single unit arrears payments may include:

1. First Mortgage;

2. Second Mortgage for Down Payment Assistance;

3. Property taxes;

4. In the case of a manufactured home, if taxed by the 

County as Primary Residential Real Property, lot rent and 

Chattel loans;

5. Primary Dwelling Insurance;

6. Fees: including condominium association, homeowner 

association, and cooperative maintenance fees;

DWS shall limit current UHAF payment amounts as follows:

7. First Mortgage;

8. Second Mortgage for Down Payment Assistance;

9. Property Taxes;

10.In the case of a manufactured home, if taxed by the 

County as Primary Residential Real Property, lot rent and 

Chattel loans;

11.Primary Dwelling Insurance;

12.Fees: including condominium association, homeowner 

association, and cooperative maintenance fees;

13.Interest Rate Reduction;
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Targeted Population of Household Applicant(s)

and Financial Challenges Program Seeks to

Address

This program will target low to moderate income Household 

Applicant(s) and will address the following financial 

challenges:

● Mortgage loan delinquency and default. This program will 

assist eligible Utah Household Applicant(s) to eliminate 

or reduce mortgage loan delinquency.

● Exiting forbearance. This program will help eligible Utah 

Household Applicant(s) on forbearance plans to exit 

forbearance and to transition to regular, monthly mortgage

payments, so that they can begin to regain economic 

stability.

Eligible Household Applicant(s) Must meet the following criteria:

● Household Applicant(s) must have experienced a

Financial Hardship associated with the COVID-19 

pandemic after January 21, 2020, and provide an 

Attestation with supporting documentation describing

the nature of the Financial Hardship;

● Household Applicant(s) must currently own and

occupy the property as their Primary Dwelling;

● Household Applicant(s) must meet the UHAF Eligibility 

Requirements;

● Household Applicant(s) must complete and sign 

the Attestation, Application, Disclosures, and 3rd

Party Authorization forms;

● Household Applicant(s) must agree to provide 

all necessary documentation to satisfy program

guidelines within timeframes established by 

DWS
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● DWS will require that the Household 

Applicant(s) participate in either homeowner 

counseling or homeowner education program.

● Co-owners are not permitted to separately

apply for UHAF Program assistance.

Financial Hardship A material reduction in income, or material increase in living 

expenses, associated with the COVID-19 pandemic, that has

created or increased a risk of mortgage delinquency, mortgage 

default, foreclosure, or displacement for a Household 

Applicant(s).

● Reduction of Income – Documented temporary or 

permanent loss of earned income that occurred after 

January 21, 2020; or

Increase in living expenses – Documented increase in 

out-of-pocket household expenses such as, medical 

expenses, inadequate medical insurance, or increase in 

household size, associated with the COVID-19 pandemic

occurring after January 21, 2020.

Household Applicant(s) Income Eligibility 

Requirements

● Household Applicant(s) whose Household Income is 

equal to or less than 150% of the area median income

(AMI) or equal to or less than 100% of the area median 

income for the United States, whichever is greater
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Eligible Properties Primary Dwellings that include:

● Single-family properties;

● Condominium units;

● Manufactured homes permanently affixed and taxed by 

the County as Primary Residential Real Property.

The UHAF program is not available for:

● Second homes, vacant properties, rental properties, or 

investment properties;

● A First Mortgage, combined with the Second Mortgage as 

applicable, secured by the Primary Dwelling that exceeded 

the Maximum Conforming Loan Limit at the time of 

origination; 

● Expenses or liens not specifically outline in UHAF Policy;

● Household Applicant(s) that are participating in the 

Emergency Rental Assistance Program or any other rental 

assistance program administered by local housing 

authority, municipality, or other agencies.

Eligible Uses of HAF Program Proceeds Eligible uses may include:

1. First Mortgage;

2. Second Mortgage for Down Payment Assistance;

3. Manufactured Primary Dwelling – lot rent and Chattel 

loan arrearages, if taxed by the County as Primary 

Residential Real Property;

4. Property Taxes;

5. Primary Dwelling Insurance;

6. Fees: including condominium association, homeowner 

association, and cooperative maintenance fees;

7. Interest Rate Reduction;
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Exclusions:

● Second homes, vacant properties, rental properties, or 

investment properties;

● A First Mortgage, combined with the Second Mortgage as 

applicable, secured by the Primary Dwelling that exceeded 

the Maximum Conforming Loan Limit at the time of 

origination; 

● Expenses or liens not specifically outline in UHAF Policy;

● Household Applicant(s) that are participating in the 

Emergency Rental Assistance Program or any other rental 

assistance program administered by local housing 

authority, municipality, or other agencies.

Assistance Type Assistance will be structured as a non-recourse grant.

Payout of HAF Assistance UHAF will disburse qualified expenses directly to the servicer, 

County, or provider. In no case will a Household Applicant(s) 

received direct Monetary UHAF funds.
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Program Launch DWS is planning to launch the program to the public in October 

2022.

Program Duration The period of performance for the UHAF award begins on the 

date or program launch and ends on September 30, 2026.

UHAF recipients shall not incur any obligations to be paid with

the funding from this award after such period of performance 

ends.

DWS plans to disburse all funds by September 30, 2026.

Application Process Household Applicant(s) will be able to apply through an online 

portal only.

Eligibility Documentation Requirements The following documents will be required, as applicable, for an

application to be considered complete:

● Application for the Utah Homeowner Assistance Fund 

Program

● Government issued identification

● Most recent mortgage statement for each lien

● Manufactured home loan statement and lot rental 

agreement

● Demand Letter or Foreclosure Notice

● Income documentation (e.g. paystubs, W-2’s, previous

years’ tax returns, unemployment insurance award 

letter, SNAP award letter, or alternative income 

documents as applicable)

● Third Party Authorization (TPA) and Disclosure Form

● Qualifying Hardship Attestation and supporting 

documentation from Household Applicant(s) certifying and

identifying the Financial Hardship associated with the 

COVID-19 pandemic and occurred after January 21, 2020
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Eligibility Determination Notes All decisions must be backed by documentation and written 

attestation. The attestation will include applicable details as to 

support the decision or action taken on the application.

Quality Control (QC) On a monthly basis, DWS quality control employee(s) will ensure 

program integrity by auditing a random sample of at least 10% of 

both the Worker approved UHAF Applications and 10% of the 

Worker denied UHAF Applications for both accuracy and 

completeness.