Once U.S. Treasury approves the PAHAF plan, the program will begin taking applications from eligible Pennsylvania homeowners who meet the following criteria:

• Homeowner must currently own and occupy the property as their primary residence; homeowner may include heirs, equitable owners, successors-in-interest.
• Property must be located in Pennsylvania.
• Homeowner must have experienced a qualified financial hardship after January 21, 2020 (including a hardship that began before January 21, 2020 and continued after that date).
• Homeowner must meet the PAHAF household income eligibility requirements. Income calculations are based on the gross income of all adult household members and is adjusted for family size. Click here to view the Housing of Urban Development HAF income limits.
• Homeowner must agree to provide all necessary documentation to satisfy PAHAF guidelines within the timeframes established, including self-attestation.
• The original, unpaid principal balance of the homeowner’s first mortgage was not greater than the conforming loan limits in effect at the time of loan origination.
• PAHAF assistance must not duplicate assistance the homeowner may have received from any other federal, state, local, or tribal source for the same expenses.