The American Rescue Plan Act of 2021 (ARP) created the Homeowner Assistance Fund (HAF) to mitigate financial hardships associated with the coronavirus pandemic for the purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacements. The federal stimulus package passed in March 2021 allocated approximately $9.9 billion to homeowner assistance. HAF funds are available to certain homeowners who have experienced financial hardship after January 21, 2020. Funds are provided directly to states, territories, and Native American tribes to administer to eligible households through homeowner assistance programs. Eligible households may receive funds for mortgage payments, utility payments and various qualified expenses. Applications for homeowner assistance may be submitted by homeowners through programs established by grantees. In general, funds will be paid directly to mortgage holders and utility providers.