(G) any other assistance to promote hous-
ing stability for homeowners, including pre-
venting eviction, mortgage delinquency or de-
fault, foreclosure, or the loss of utility or home 
energy services, as determined by the Secretary. 
(2) TARGETING.—Not less than 60 percent of 
amounts made to each eligible entity allocated 
amounts under subsection (d) or (e) shall be used 
for qualified expenses that assist homeowners having 
incomes equal to or less than 100 percent of the 
area median income for their household size or equal 
to or less than 100 percent of the median income for 
the United States, as determined by the Secretary of 
Housing and Urban Development, whichever is 
greater. The eligible entity shall prioritize remaining 
funds to populations or geographies experiencing the 
greatest need. 
(d) ALLOCATION OF FUNDS.— 
(1) ADMINISTRATION.—Of any amounts made 
available under this section, the Secretary shall re-
serve— 
(A) to the Department of the Treasury, an 
amount not to exceed $40,000,000 to admin-
ister and oversee the Fund, and to provide tech-
nical assistance to eligible entities for the cre-
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kjohnson on DSK79L0C42PROD with BILLS
ation and implementation of State and tribal 
programs to administer assistance from the 
Fund; and 
(B) to the Inspector General of the De-
partment of the Treasury, an amount not to ex-
ceed $2,600,000 for oversight of the program 
under this section. 
(2) FOR
STATES.—After the application of 
paragraphs (1), (4), and (5) of this subsection and 
subject to paragraph (3) of this subsection, the Sec-
retary shall establish such criteria as are necessary 
to allocate the remaining funds available within the 
Homeowner Assistance Fund to each State of the 
United States, the District of Columbia, and the 
Commonwealth of Puerto Rico, taking into consider-
ation, for such State relative to all States of the 
United States, the District of Columbia, and the 
Commonwealth of Puerto Rico, as of the date of the 
enactment of this Act— 
(A) the number of individuals who are un-
employed; 
(B) the total number or mortgagors with— 
(i) mortgage payments that are more 
than 30 days past due; or 
(ii) mortgages in foreclosure. 
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(3) SMALL STATE MINIMUM.— 
(A) IN
GENERAL.—Each State of the 
United States, the District of Columbia, and 
the Commonwealth of Puerto Rico shall receive 
no less than $40,000,000 for the purposes es-
tablished in (b). 
(B) PRO RATA ADJUSTMENTS.—The Sec-
retary shall adjust on a pro rata basis the 
amount of the payments for each State of the 
United States, the District of Columbia, and 
the Commonwealth of Puerto Rico determined 
under this subsection without regard to this 
subparagraph to the extent necessary to comply 
with the requirements of subparagraph (A). 
(4) TERRITORY
SET-ASIDE.—Notwithstanding 
any other provision of this section, of the amounts 
appropriated under subsection (d), the Secretary 
shall reserve $30,000,000 to be disbursed to eligible 
entities for Guam, American Samoa, the United 
States Virgin Islands, and the Commonwealth of the 
Northern Mariana Islands based on each such terri-
tory’s share of the combined total population of all 
such territories, as determined by the Secretary. For 
the purposes of this paragraph, population shall be 
determined based on the most recent year for which 
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data are available from the United States Census 
Bureau. 
(5) TRIBAL
SET-ASIDE.—The Secretary shall 
allocate funds to any eligible entity designated under 
subsection (f) pursuant to the requirements of that 
subsection. 
(e) DISTRIBUTION OF FUNDS TO STATES.— 
(1) IN GENERAL.—The Secretary shall make 
payments, beginning not later than 45 days after en-
actment of this Act, from amounts allocated under 
subsection (d) to eligible entities that have notified 
the Secretary that they request to receive payment 
from the Fund and that the eligible entity will use 
such payments in compliance with this section. 
(2) REALLOCATION.—If a State does not re-
quest allocated funds by the 90th day after the date 
of enactment of this Act, such State shall not be eli-
gible for a payment from the Secretary pursuant to 
this section, and the Secretary shall reallocate any 
funds that were not requested by such State among 
the States that have requested funds by the 90th 
day after the date of enactment of this Act. For any 
such reallocation of funds, the Secretary shall ad-
here to the requirements of subsection (d), except 
for paragraph (1), to the greatest extent possible, 
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provided that the Secretary shall also take into con-
sideration in determining such reallocation a State’s 
remaining need and a State’s record of using pay-
ments from the Fund to serve homeowners at dis-
proportionate risk of mortgage default, foreclosure, 
or displacement, including homeowners having in-
comes equal to or less than 100 percent of the area 
median income for their household size or 100 per-
cent of the median income for the United States, as 
determined by the Secretary of Housing and Urban 
Development, whichever is greater, and minority 
homeowners. 
(f) TRIBAL SET-ASIDE.— 
(1) SET-ASIDE.—Notwithstanding any other 
provision of this section, of the amounts appro-
priated under subsection (a), the Secretary shall use 
5 percent to make payments to entities that are eli-
gible for payments under clauses (i) and (ii) of sec-
tion 501(b)(2)(A) of subtitle A of title V of division 
N of the Consolidated Appropriations Act, 2021 
(Public Law 116–260) for the purposes described in 
subsection (c). 
(2) ALLOCATION
AND
PAYMENT.—The Sec-
retary shall allocate the funds set aside under para-
graph (1) using the allocation formulas described in 
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