Criteria Terms

Brief description HAF Funds may be used to bring account fully current, with no remaining delinquent amounts, and to repay amounts advanced by the lender or servicer on t

including property taxes, hazard insurance premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, ho

the servicer advanced to protect lien position. Payment may also include any reasonably required legal fees. This is a lump‐sum grant. It is intended to suppo

housing instability due to delinquency of mortgage payments and other homeownership costs. Delinquency can be paid back prior to January 21, 2020, as lon

that date. This program element is designed to eliminate past due payments and other delinquent amounts, including payments under a forbearance plan, o

reverse mortgages, loans secured by manufactured homes, or contracts for deed. HAF funds may not be duplicated. This means that the assisted homeowne

time period and purpose of mortgage delinquency payment/reinstatement received through other organizations such as their mortgage loan servicer, non‐p

entitites. This program is not intended to supplant other loss mitigation options available through lenders/servicers. Coordination with loan servicers will be u

not eligible for loss mitigation options so that focused outreach efforts can be made.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to $21,000 , and used only for the homeowner’s primary residence. Second mortgage payment assistance is available 

with the First Mortgage Reinstatement option. If used as a standalone option, second mortgage payment assistance is capped at $3,000. If combined with the 

total amount of assistance cannot exceed $21,000. If combined with the tax, insurance, fee, and utility assistance, the Second Mortgage Reinstatement optio

fees, and utilities option cannot exceed $12,000. Note that the program may grant exceptions to program maximums on a case‐by‐case basis. The program w

maximums that have been set as a result of the initial needs assessment are sufficient by analyzing actual demonstrated need throughout the implementatio

Criteria Terms

Homeowner eligibilitycriteria and documentationrequirements

Homeowners must own and occupy property as their primary residence in Puerto Rico.

Homeowners must hold ownership of the property as an eligible ownership type (i.e., living trust or individual).

Homeowners must reside in an eligible property type, i.e., a single‐family home, a condominium, or a mobile home (attached or detached). Single‐family hom

quadruplex.Household income must not exceed 150% of the AMI or 100% of the median income for the United States ($79,900), whichever is greater.

Homeowners must have experienced a financial hardship (either an increase in living expenses or decrease in income) after January 21, 2020, that is associat

January 21, 2020, but continued after that date.

For reverse mortgages, homeowner is either in default due to property charges or has entered a repayment plan to repay such charges, and homeowner oth

The program has been designed to minimize onerous documentation requirements on applicants. The program will rely on applicant self‐attestations, use of 

the maximum extent practicable. Applicants will be required to sign attestations for financial hardship, household income, dwelling type, primary residency, 

plus a data proxy will be used to determine income eligibility. Applicants will be required to submit photo identification and sign program forms including ack

release, subrogation agreement, and most recent mortgage/home loan statements demonstrating delinquency, and delinquency notices/bills for property ch

under the program.

Loan eligibility criteria

specific to the program

Delinquent by at least one payment, including any payments during a forbearance period or, in the case of a reverse mortgage, has outstanding property cha

plan.

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.

Mortgage Reinstatement Program Element
Criteria Terms

Brief description Provide full payment assistance to homeowners who qualify for financial assistance under the mortgage reinstatement option. This benefit is intended to inc

continued support beyond the reinstatement option.

HAF funds may be used to pay a homeowner’s monthly mortgage/loan payments for a period up to 3 months or until the Maximum Amount of Assistance is 

available to homeowners who also qualify for mortgage reinstatement assistance and is not available as a standalone option. This program is not intended to 

available through lenders/servicers. Coordination with loan servicers will be undertaken to identify borrowers who are not eligible for loss mitigation options 

made.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to three months of payment assistance through this program with respect to the applicant’s primary residence, provi

reinstatement assistance. Total assistance under all program options is capped at $21,000. This means that first mortgage payment assistance plus second m

$21,000. However, if the assistance is for a second mortgage only, the maximum amount of both the reinstatement and forward payment will be capped at $

exceptions to program maximums on a case‐by‐case basis. The program will also evaluate whether program maximums that have been set as a result of the i

analyzing actual demonstrated need throughout the implementation of the pilot and full PRHAP programs.

Homeowner eligibility

criteria and documentationrequirements

Same as for Mortgage Reinstatement.

Must be delinquent on first or second mortgage or home loan payment (contract for deed, manufactured/mobile home loan) to qualify for additional forwar

No additional documentation requirements beyond those stated for the Mortgage Reinstatement Program Element.

Criteria Terms

Loan eligibility criteriaspecific 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.

Mortgage Payment Assistance Program Element
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 o

loan servicer or in conjunction with other assistance programs. Funds may also be provided as a standalone option for homeowners who do not have a mortg

mortgage has been paid in full, etc.) to support housing stability. This program is not intended to supplant other loss mitigation options available through len

servicers will be undertaken to identify borrowers who are not eligible for loss mitigation options so that focused outreach efforts can be made.

HAF Funds may be used to pay past due property taxes, insurance premiums, HOA fees, condominium fees, cooperative maintenance or common charges th

property.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to $9,000 through this program with respect to the applicant’s primary residence. If combined with first mortgage rei

$9,000 will count toward the total $21,000 cap. If combined with second mortgage reinstatement assistance, funding up to $3,000 will count toward a total c

grant exceptions to program maximums on a case‐by‐case basis. The program will also evaluate whether program maximums that have been set as a result o

by analyzing actual demonstrated need throughout the implementation of the pilot and full PRHAP programs.

Criteria Terms

Homeowner eligibilitycriteria and documentationrequirements

Same as Mortgage Reinstatement 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, cooperative maintenance or common charges, liens of extinquishment

There are no additional documentation requirements beyond those stated for the Mortgage Reinstatement Program Element.

Loan eligibility criteriaspecific 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.

Criteria Terms

Brief description Provide funds to resolve delinquent payments for utility services, specifically water and/or electricity. This option is intended to support homeowners facing 

critical homeownership costs associated with electric and/or water service.

HAF funds may be used to pay delinquent amounts in full, including interest or reasonably required legal fees, under circumstances in which a delinquency th

Maximum assistance per

homeowner

Each Homeowner will be eligible for up to $9,000 through this program with respect to the applicant’s primary residence. If combined with mortgage reinstat

count toward the total $21,000 cap. If combined with second mortgage reinstatement assistance, funding up to $3,000 will count toward a total cap of $12,0

exceptions to program maximums on a case‐by‐case basis. The program will also evaluate whether program maximums that have been set as a result of the i

analyzing actual demonstrated need throughout the implementation of the pilot and full PRHAP programs.

Criteria Terms

Homeowner eligibilitycriteria and documentationrequirements

Homeowner is at least one installment payment in arrears on one or both covered utilities for electricity and water.

Assistance sufficient to resolve the delinquency is not available from other utility assistance programs and, without HAF assistance, the homeowner is likely t

Because the Department of Children and Families offers a LIHEAP program with subsidies and critical emergency intervention, the program will require disclo

prevent possible duplication of benefits. Such disclosure will occur via attestation.

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.

Utility Payment Assistance Program Element

Property Charge Default Resolution Program Element
Criteria Terms

Brief description HAF Funds may be used to bring account fully current, with no remaining delinquent amounts, and to repay amounts advanced by the lender or servicer on t

including property taxes, hazard insurance premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, ho

the servicer advanced to protect lien position. Payment may also include any reasonably required legal fees. This is a lump‐sum grant. Delinquency can be pa

the financial hardship continued after that date. This program element is designed to eliminate past due payments and other delinquent amounts, including 

mortgages, second mortgages, reverse mortgages, loans secured by manufactured homes, or contracts for deed. HAF funds may not be duplicated. This mea

receive HAF funds for the same time period and purpose of mortgage delinquency payment/reinstatement received through other organizations such as thei

other federal, state, or local entitites.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to at $21,000 ; and used only for the homeowner’s primary residence. Second mortgage payment assistance is availa

combination with the First Mortgage Reinstatement option. If used as a standalone option, second mortgage payment assistance is capped at $3,000. If comb

Reinstatement option, the total amount of assistance cannot exceed $21,000 . If combined with the tax, insurance, fee, and utility assistance, the Second Mo

assistance for tax, insurance, fees, and utilities option cannot exceed $12,000.

Criteria Terms

Homeowner eligibilitycriteria and documentationrequirements

Homeowners must own and occupy property as their primary residence in Puerto Rico.

Homeowners must hold ownership of the property as an eligible ownership type (i.e., living trust or individual).

Homeowners must reside in an eligible property type, i.e., a single‐family home, a condominium, or a mobile home (attached or detached). Single‐family hom

quadruplex.Household income must not exceed 150% of the AMI or 100% of the median income for the United States ($79,900), whichever is greater.

Homeowners must have experienced a financial hardship (either an increase in living expenses or decrease in income) after January 21, 2020, that is associat

For reverse mortgages, homeowner is either in default due to property charges or has entered a repayment plan to repay such charges, and homeowner oth

The program has been designed to minimize onerous documentation requirements on applicants. The program will rely on applicant self‐attestations, use of 

the maximum extent practicable. Applicants will be required to sign attestations for financial hardship, household income, dwelling type, primary residency, 

plus a data proxy will be used to determine income eligibility. Applicants will be required to submit photo identification and sign program forms including ack

release, subrogation agreement, and most recent mortgage/home loan statements demonstrating delinquency, and delinquency notices/bills for property ch

under the program.

Loan eligibility criteria

specific to the program

Delinquent by at least one payment, including any payments during a forbearance period or, in the case of a reverse mortgage, has outstanding property cha

plan.

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.

Mortgage Reinstatement Program Element
Criteria Terms

Brief description Provide full payment assistance to homeowners who qualify for financial assistance under the mortgage reinstatement option. This benefit is intended to inc

HAF funds may be used to pay a homeowner’s monthly mortgage/loan payments for a period up to 3 months or until the Maximum Amount of Assistance is 

available to homeowners who also qualify for mortgage reinstatement assistance and is not available as a standalone option.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to three months of payment assistance through this program with respect to the applicant’s primary residence, provi

reinstatement assistance. Total assistance under all program options is capped at $21,000. This means that first mortgage payment assistance plus second m

$21,000. However, if the assistance is for a second mortgage only, the maximum amount of both the reinstatement and forward payment will be capped at $

Homeowner eligibilitycriteria and documentationrequirements

Same as for Mortgage Reinstatement.

Must be delinquent on first or second mortgage or home loan payment (contract for deed, manufactured/mobile home loan) to qualify for additional forwar

No additional documentation requirements beyond those stated for the Mortgage Reinstatement Program Element.

Criteria Terms

Loan eligibility criteriaspecific 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.

Mortgage Payment Assistance Program Element
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 o

loan servicer or in conjunction with other assistance programs.

HAF Funds may be used to pay past due property taxes, insurance premiums, HOA fees, condominium fees, cooperative maintenance or common charges th

property.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to $9,000 , through this program with respect to the applicant’s primary residence. If combined with first mortgage re

$9,000 will count toward the total $21,000 cap. If combined with second mortgage reinstatement assistance, funding up to $3,000 will count toward a total c

Criteria Terms

Homeowner eligibilitycriteria and documentationrequirements

Same as Mortgage Reinstatement 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, cooperative maintenance or common charges, liens of extinquishment

There are no additional documentation requirements beyond those stated for the Mortgage Reinstatement Program Element.

Loan eligibility criteriaspecific 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.

Property Charge Default Resolution Program Element
Criteria Terms

Brief description Provide funds to resolve delinquent payments for utility services, specifically water and/or electricity.

HAF funds may be used to pay delinquent amounts in full, including interest or reasonably required legal fees, under circumstances in which a delinquency th

Maximum assistance per

homeowner

Each Homeowner will be eligible for up to $9,000 , through this program with respect to the applicant’s primary residence. If combined with mortgage reinsta

will count toward the total $21,000 cap. If combined with second mortgage reinstatement assistance, funding up to $3,000 will count toward a total cap of $

Criteria Terms

Homeowner eligibilitycriteria and documentationrequirements

Homeowner is at least one installment payment in arrears on one or both covered utilities for electricity and water.

Assistance sufficient to resolve the delinquency is not available from other utility assistance programs and, without HAF assistance, the homeowner is likely t

Because the Department of Children and Families offers a LIHEAP program with subsidies and critical emergency intervention, the program will require disclo

prevent possible duplication of benefits. Such disclosure will occur via attestation.

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.

Utility Payment Assistance Program Element