Mortgage Reinstatement Program Element

Criteria Terms

Brief description Assistance is available for a first mortgage on the property of an eligible 

homeowner, subject to all other eligibility criteria. PAHAF Funds will be used to 

bring past due mortgage accounts fully current, with no remaining delinquent 

amounts, and to repay on the borrower’s behalf for property charges, including 

property taxes, hazard insurance premiums, flood or wind insurance premiums, 

condominium fees, or homeowners’ association fees that the servicer advanced 

to protect lien position. Payment may also include any reasonably required legal 

fees.

PAHAF funds may be used for Reverse Mortgages where servicer advanced for 

taxes & insurance.

PAHAF funds may be used to supplement other loss mitigation measures 

offered by the servicer. When using PAHAF funds in conjunction with other loss 

mitigation options by the servicer, HAF funds can be remitted with confirmation 

from the servicer that HAF funds will be leveraged to fully reinstate the 

mortgage. 

The requirement to bring account balances fully current is only applicable to the 

mortgage reinstatement program element.

Maximum amount of

assistance per homeowner 

Assistance will be limited to a maximum of $50,000 of program assistance per 

household over the life of the program. Program funds may only be used on 

eligible expenses for the homeowner’s primary residence for expenses incurred. 

Reverse mortgage reinstatements will also be capped at $50,000 for expenses 

incurred.

Applicants must have experienced a Qualified Financial hardship that began as 

of January 21, 2020 (including those that began prior to January 21, 2020 but 

continued after). Arrearages of qualified expenses are eligible for purposes of 

PAHAF regardless of the date they were incurred, including if they arose before 

January 2020, and under the PAHAF established caps.

Criteria Terms

Homeowner eligibility

criteria and documentation

requirements

a) Homeowner must be a natural person or trustee of a living trust that holds title 

to the property. Heirs, equitable owners, and successors-in-interest, as that term 

is defined in section 1024.31 of Title 12 of the Code of Federal Regulations (12 

CFR 1024.31), meet this ownership requirement. A loan secured by a 

manufactured home, or a contract for deed (also known as a land contract) may 

fall within this definition.

b) Homeowner must have experienced a Qualified Financial Hardship after 

January 21, 2020 (including a hardship that began before January 21, 2020 but 

continued after that date).

c) Homeowner must currently own and occupy the property as their primary 

residence and be located in Pennsylvania.

d) Homeowner must meet the Homeowner Income Eligibility Requirements.

e) Homeowner must agree to provide all necessary documentation to satisfy 

program guidelines within timeframes established by the State, including selfattestation.

f) The original, unpaid principal balance of the homeowner’s first mortgage or 

housing loan, at the time of origination, was not greater than the conforming loan 

limits in effect at time of origination.

The program has been designed to minimize onerous documentation 

requirements on applicants. The program will rely on applicant self-attestations, 

use of proxy data, and third-party data sources to the maximum extent 

practicable.

Applicants will be required to sign attestations for financial hardship and the 

program will rely on self-reported socially disadvantaged status.
The income self-attestation plus a data proxy will be used to determine income 

eligibility. Applicants will be required to submit photo identification and sign 

program forms including acknowledgements, third-party consent and release, 

subrogation agreement, and may collect the most recent mortgage/home loan

statements demonstrating delinquency, and delinquency notices/bills for property 

charges not in escrow which may be eligible under the program.

Loan eligibility criteria

specific to the program 

Delinquent by at least one payment, including any payments during a 

forbearance period. Homeowners in bankruptcy may be considered with proof of 

bankruptcy court or trustee approval.

Form of assistance Assistance will be structured as a non-recourse grant recoverable in the event of 

fraud or overpayment.

Criteria Terms

Payment requirements Payments will be made directly to the lender, servicer, or other payee as 

appropriate.
Forward Mortgage Payment Assistance Program Element

Criteria Terms

Brief description Full payment assistance is available to homeowners who are income eligible and 

meet all other eligibility requirements. This benefit is intended to increase 

housing stability by providing continued support, beyond the reinstatement 

option, for up to 6 months or until the maximum amount of assistance is reached. 

PAHAF funds will not be used for partial payments.

This program element is available as a standalone option if the mortgage is not 

delinquent.

The requirement for qualification of forward mortgage payment assistance is a 

housing payment to monthly income ratio of greater than 40%.

Income documentation will be required for forward paying mortgage assistance. 

The income documentation requirement will be the same as existing 

documentation requirements for non-proxy applicants.

Maximum amount of

assistance per homeowner 

Each eligible Homeowner will receive forward payment assistance for up to 6 

months through this program with respect to the applicant’s primary residence 

provided that there is funding available under the maximum allowable cap of

$50,000. The maximum amount of combined assistance for any homeowner 

under the PAHAF is $50,000 for mortgage reinstatement, forward mortgage 

payment, other property charge default resolution assistance, and utilities.

Applicants must have experienced a Qualified Financial hardship that began as 

of January 21, 2020 (including those that began prior to January 21, 2020 but 

continued after). Arrearages of qualified expenses are eligible for purposes of 

PAHAF regardless of the date they were incurred, including if they arose before 

January 2020, and under the PAHAF established caps.

Homeowner eligibility

criteria and documentation

requirements

a) Homeowner must be a natural person or trustee of a living trust that holds title 

to the property. Heirs, equitable owners, and successors-in-interest, as that term 

is defined in section 1024.31 of Title 12 of the Code of Federal Regulations (12 

CFR 1024.31), meet this ownership requirement. A loan secured by a 

manufactured home, or a contract for deed (also known as a land contract) may 

fall within this definition.

b) Homeowner must have experienced a Qualified Financial Hardship after 

January 21, 2020 (including a hardship that began before January 21, 2020 but 

continued after that date).

c) Homeowner must currently own and occupy the property as their primary 

residence and be located in Pennsylvania.

d) Homeowner must meet the Homeowner Income Eligibility Requirements.

e) Homeowner must agree to provide all necessary documentation to satisfy 

program guidelines within timeframes established by the State, including selfattestation.

f) The original, unpaid principal balance of the homeowner’s first mortgage or 

housing loan, at the time of origination, was not greater than the conforming loan 

limits in effect at time of origination.

The program has been designed to minimize onerous documentation 

requirements on applicants. The program will rely on applicant self-attestations, 

use of proxy data, and third-party data sources to the maximum extent 

practicable.

Applicants will be required to sign attestations for financial hardship and the 

program will rely on self-reported socially disadvantaged status.

The income self-attestation plus a data proxy will be used to determine income 

eligibility. Applicants will be required to submit photo identification and sign 

program forms including acknowledgements, third-party consent and release, 

subrogation agreement, and may collect the most recent mortgage/home loan 

statements demonstrating delinquency, and delinquency notices/bills for property
charges not in escrow which may be eligible under the program.

Must have debt to housing expense ratio of 40% or more to qualify for additional 

forward payment assistance. Applicant cannot be delinquent on mortgage if 

applying as a standalone option.

Criteria Terms

Loan eligibility criteria

specific to the program 

N/A

Form of Assistance Assistance will be structured as a non-recourse grant recoverable in the event of 

fraud or overpayment.

Payment requirements Payments will be made directly to the lender or servicer, as appropriate.
Property Charge Default Resolution Program Element

Criteria Terms

Brief description PAHAF funds may be used to pay past due property taxes, current delinquent 

reverse mortgage insurance premiums, HOA fees, condominium fees, 

cooperative maintenance, or common charges that threaten sustained ownership 

of the property. These are expenses that are for the purpose of preventing 

homeowner mortgage foreclosures and displacements of homeowners 

experiencing financial hardship for those homeowners that currently do not have 

a mortgage, have a reverse mortgage on the property, or have property charges 

not in escrow. This assistance may be a standalone option for homeowners 

without a mortgage or may be used in combination with mortgage reinstatement 

and forward mortgage payment assistance for homeowners with property 

charges not in escrow. The requirement to bring account balances fully current is 

only applicable to the mortgage reinstatement program element and is not

applicable to the property charge default resolution program element.

Maximum amount of

assistance per homeowner 

For homeowners without a mortgage, the maximum allowance for expenses 

incurred related to delinquent property taxes is $14,000; for insurance premiums

$3,000; and homeowner/condominium fees is $5,000. For homeowners with a 

mortgage whose property charges are not in escrow, the same limits apply.

Applicants must have experienced a Qualified Financial hardship that began as 

of January 21, 2020 (including those that began prior to January 21, 2020 but 

continued after). Arrearages of qualified expenses are eligible for purposes of 

PAHAF regardless of the date they were incurred, including if they arose before 

January 2020, and under the PAHAF established caps.

The maximum amount of combined assistance for any homeowner under PAHAF 

is $50,000 for mortgage reinstatement, forward mortgage payment, other 

property charge default resolution assistance, and utilities.

Criteria Terms

Homeowner eligibility

criteria and documentation

requirements

a) Homeowner must be a natural person or trustee of a living trust that holds title 

to the property. Heirs, equitable owners, and successors-in-interest, as that term 

is defined in section 1024.31 of Title 12 of the Code of Federal Regulations (12 

CFR 1024.31), meet this ownership requirement. A loan secured by a 

manufactured home, or a contract for deed (also known as a land contract) may 

fall within this definition.

b) Homeowner must have experienced a Qualified Financial Hardship after 

January 21, 2020 (including a hardship that began before January 21, 2020 but 

continued after that date).

c) Homeowner must currently own and occupy the property as their primary 

residence and be located in Pennsylvania.

d) Homeowner must meet the Homeowner Income Eligibility Requirements.

e) Homeowner must agree to provide all necessary documentation to satisfy 

program guidelines within timeframes established by the State, including selfattestation.

f) The original, unpaid principal balance of the homeowner’s first mortgage or 

housing loan, at the time of origination, was not greater than the conforming loan 

limits in effect at time of origination.

The program has been designed to minimize onerous documentation 

requirements on applicants. The program will rely on applicant self-attestations, 

use of proxy data, and third-party data sources to the maximum extent 

practicable.

Applicants will be required to sign attestations for financial hardship and the 

program will rely on self-reported socially disadvantaged status.

The income self-attestation plus a data proxy will be used to determine income 

eligibility. Applicants will be required to submit photo identification and sign 

program forms including acknowledgements, third-party consent and release,

subrogation agreement, and may collect the most recent mortgage/home loan
statements demonstrating delinquency, and delinquency notices/bills for property 

charges not in escrow which may be eligible under the program.

Plus:

Homeowner is at least one installment payment in arrears on one or more 

property charges including:

· Property taxes

· Insurance: hazard, flood, wind premiums

· HOA fees, condominium fees, liens of extinguishment

There are no additional documentation requirements beyond those stated for the 

Mortgage Reinstatement Program Element.

Loan eligibility criteria

specific to the program 

N/A

Form of assistance Assistance will be structured as a non-recourse grant recoverable in the event of 

fraud or overpayment.

Criteria Terms

Payment requirements Funds will be paid, as applicable, to the mortgage servicer or other third-party 

payee authorized to collect eligible charges.
Utility Payment Assistance Program Element

Criteria Terms

Brief description PAHAF funds may be used to resolve delinquent payments for utility services, 

particularly for those utility bills where no assistance program, currently, exists in 

Pennsylvania.

Homeowners will be encouraged to apply for utility assistance through other 

utility service assistance programs when applying for the PAHAF utility portion of 

the program. Utility assistance awarded through HAF must not duplicate grant 

assistance provided through other federal and state programs. The requirement 

to bring account balances fully current is only applicable to the mortgage 

reinstatement program element and is not applicable to the utility payment

assistance program element.

Maximum assistance per

homeowner

The maximum amount of assistance available for utilities is $10,000 as long as

such funding remains available under the total $50,000 cap. Utility assistance 

may be available in combination with mortgage reinstatement and forward 

mortgage payment assistance or as a standalone option for homeowners without 

a mortgage.

Applicants must have experienced a Qualified Financial hardship that began as 

of January 21, 2020 (including those that began prior to January 21, 2020 but 

continued after). Arrearages of qualified expenses are eligible for purposes of 

PAHAF regardless of the date they were incurred, including if they arose before 

January 2020, and under the PAHAF established caps.

The maximum amount of combined assistance for any homeowner under the 

PAHAF is $50,000 for mortgage reinstatement, forward mortgage payment, 

other property charge default resolution assistance, and utilities.

Criteria Terms

Homeowner eligibility

criteria and documentation

requirements

a) Homeowner must be a natural person or trustee of a living trust that holds title 

to the property. Heirs, equitable owners, and successors-in-interest, as that term 

is defined in section 1024.31 of Title 12 of the Code of Federal Regulations (12 

CFR 1024.31), meet this ownership requirement. A loan secured by a 

manufactured home, or a contract for deed (also known as a land contract) may 

fall within this definition.

b) Homeowner must have experienced a Qualified Financial Hardship after 

January 21, 2020 (including a hardship that began before January 21, 2020 but 

continued after that date).

c) Homeowner must currently own and occupy the property as their primary 

residence and be located in Pennsylvania.

d) Homeowner must meet the Homeowner Income Eligibility Requirements.

e) Homeowner must agree to provide all necessary documentation to satisfy 

program guidelines within timeframes established by the State, including selfattestation.

f) The original, unpaid principal balance of the homeowner’s first mortgage or 

housing loan, at the time of origination, was not greater than the conforming loan 

limits in effect at time of origination.

The program has been designed to minimize onerous documentation 

requirements on applicants. The program will rely on applicant self-attestations, 

use of proxy data, and third-party data sources to the maximum extent 

practicable.

Applicants will be required to sign attestations for financial hardship and the 

program will rely on self-reported socially disadvantaged status.

The income self-attestation plus a data proxy will be used to determine income 

eligibility. Applicants will be required to submit photo identification and sign 

program forms including acknowledgements, third-party consent and release,

subrogation agreement, and may collect the most recent mortgage/home loan
statements demonstrating delinquency, and delinquency notices/bills for property 

charges not in escrow which may be eligible under the program.

Plus:

Homeowner is at least one installment payment in arrears on electricity, water, 

sewer, heating oil, trash, or gas services, and other related costs, to their home.

Loan eligibility criteria

specific to the program 

N/A

Form of assistance Assistance will be structured as a non-recourse grant recoverable in the event of 

fraud or overpayment.

Criteria Terms

Payment requirements Funds will be paid directly to the utility provider or other applicable third-party 

authorized to collect eligible charges.