I 
117TH CONGRESS 
1ST SESSION H. R. 1710 
To provide emergency assistance to homeowners to respond to the coronavirus 
pandemic, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 9, 2021 
Mr. DAVID SCOTT of Georgia (for himself and Ms. WATERS) introduced the 
following bill; which was referred to the Committee on Appropriations 
A BILL 
To provide emergency assistance to homeowners to respond 
to the coronavirus pandemic, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Coronavirus Home-
owner Assistance Act of 2021’’. 
SEC. 2. HOMEOWNER ASSISTANCE FUND. 
(a) APPROPRIATION.—There is appropriated, out of 
amounts in the Treasury not otherwise appropriated, for 
the fiscal year ending September 30, 2021, to remain 
available until September 30, 2025, $9,961,000,000 to the 
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Homeowner Assistance Fund established under subsection 
(c) for qualified expenses that meet the purposes estab-
lished under subsection (c) and expenses described in sub-
section (d)(1). 
(b) DEFINITIONS.—In this section: 
(1) CONFORMING LOAN LIMIT.—The term ‘‘con-
forming loan limit’’ means the applicable limitation 
governing the maximum original principal obligation 
of a mortgage secured by a single-family residence, 
a mortgage secured by a 2-family residence, a mort-
gage secured by a 3-family residence, or a mortgage 
secured by a 4-family residence, as determined and 
adjusted annually under section 302(b)(2) of the 
Federal National Mortgage Association Charter Act 
(12 U.S.C. 1717(b)(2)) and section 305(a)(2) of the 
Federal Home Loan Mortgage Corporation Act (12 
U.S.C. 1454(a)(2)). 
(2) DWELLING.—The term ‘‘dwelling’’ means 
any building, structure, or portion thereof which is 
occupied as, or designed or intended for occupancy 
as, a residence by one or more individuals. 
(3) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means— 
(A) a State; or 
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(B) any entity eligible for payment under 
subsection (f). 
(4) MORTGAGE.—The term ‘‘mortgage’’ means 
any credit transaction— 
(A) that is secured by a mortgage, deed of 
trust, or other consensual security interest on a 
principal residence of a borrower that is (i) a 1- 
to 4-unit dwelling, or (ii) residential real prop-
erty that includes a 1- to 4-unit dwelling; and 
(B) the unpaid principal balance of which 
was, at the time of origination, not more than 
the conforming loan limit. 
(5) FUND.—The term ‘‘Fund’’ means the 
Homeowner Assistance Fund established under sub-
section (c). 
(6) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of the Treasury. 
(7) STATE.—The term ‘‘State’’ means any 
State of the United States, the District of Columbia, 
the Commonwealth of Puerto Rico, Guam, American 
Samoa, the United States Virgin Islands, and the 
Commonwealth of the Northern Mariana Islands. 
(c) ESTABLISHMENT OF FUND.— 
(1) ESTABLISHMENT; QUALIFIED EXPENSES.— 
There is established in the Department of the Treas-
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ury a Homeowner Assistance Fund to mitigate fi-
nancial hardships associated with the coronavirus 
pandemic by providing such funds as are appro-
priated by subsection (a) to eligible entities, and to 
require an eligible entity that receives funds pursu-
ant to this section to periodically submit to the Sec-
retary a report that describes the activities carried 
out by the eligible entity using the funds provided 
under this section, for the purpose of preventing 
homeowner mortgage delinquencies, defaults, fore-
closures, loss of utilities or home energy services, 
and displacements of homeowners experiencing fi-
nancial hardship after January 21, 2020, through 
qualified expenses related to mortgages and housing, 
which include— 
(A) mortgage payment assistance; 
(B) financial assistance to allow a home-
owner to reinstate a mortgage or to pay other 
housing related costs related to a period of for-
bearance, delinquency, or default; 
(C) principal reduction; 
(D) facilitating interest rate reductions; 
(E) payment assistance for— 
(i) utilities, including electric, gas, 
and water; 
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(ii) 
internet 
service, 
including 
broadband internet access service, as de-
fined in section 8.1(b) of title 47, Code of 
Federal Regulations (or any successor reg-
ulation); 
(iii) property taxes; 
(iv) homeowner’s insurance, flood in-
surance, and mortgage insurance; and 
(v) homeowner’s association, condo-
minium 
association 
fees, 
or 
common 
charges; 
(F) reimbursement of funds expended by a 
State, local government, or designated entity 
under subsection (e) during the period begin-
ning on January 21, 2020, and ending on the 
date that the first funds are disbursed by the 
eligible entity under the Homeowner Assistance 
Fund, for the purpose of providing housing or 
utility payment assistance to individuals or oth-
erwise providing funds to prevent foreclosure or 
eviction of a homeowner or tenant or prevent 
mortgage delinquency or loss of housing or util-
ities as a response to the coronavirus disease 
(COVID) pandemic; and 
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