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Programs


 Hardest Hit Fund

President Obama established the Hardest Hit Fund SM in February 2010 to provide targeted aid to families in states hit hard by the economic and housing market downturn. Each state housing agency gathered public input to implement programs designed to meet the distinct challenges struggling homeowners in their state are facing. States were chosen either because they are struggling with unemployment rates at or above the national average or steep home price declines greater than 20 percent since the housing market downturn.

Hardest Hit Fund programs vary state to state, but may include the following:

  • Mortgage payment assistance for unemployed or underemployed homeowners
  • Principal reduction to help homeowners get into more affordable mortgages
  • Funding to eliminate homeowners’ second lien loans
  • Help for homeowners who are transitioning out of their homes and into more affordable places of residence.

     

    Featured Video: Hardest Hit Fund Rhode Island
    Homeowners talk about their experience with Hardest Hit Fund Rhode Island.

    Featured Radio Stories: Step Forward Michigan
    Hear stories about Michigan homeowners who have gotten help from the Hardest Hit Fund.

Each state’s plan is included below.  For more information about a specific plan, please contact the state housing agency directly.

Alabama ($162,521,345)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.hardesthitalabama.com

Arizona ($267,766,006)
Most Recent Quarterly Report
Fact Sheet
For more information: https://www.savemyhomeaz.gov/

California ($1,975,334,096)
Most Recent Quarterly Report
Fact Sheet
For more information: www.keepyourhomecalifornia.org

Florida ($1,057,839,136)
Most Recent Quarterly Report
Fact Sheet
For more information: https://www.flhardesthithelp.org/ 

Georgia ($339,255,819)
Most Recent Quarterly Report
Fact Sheet
For more information: https://www.homesafegeorgia.com

Illinois ($445,603,557)
Most Recent Quarterly Report
Fact Sheet
For more information: https://www.illinoishardesthit.org/

Indiana ($221,694,139)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.877gethope.org/

Kentucky ($148,901,875)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.ProtectMyKYHome.org

Michigan ($498,605,738)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.stepforwardmichigan.org

Mississippi ($101,888,323)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.mshomesaver.com

Nevada ($194,026,240)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.nahac.org/

New Jersey ($300,548,144)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.njhomekeeper.gov

North Carolina ($482,781,786)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.ncforeclosureprevention.gov/

Ohio ($570,395,099)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.savethedream.ohio.gov/

Oregon ($220,042,786)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.oregonhomeownerhelp.org/

Rhode Island ($79,351,573)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.hhfri.org/

South Carolina ($295,431,547)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.scmortgagehelp.com/

Tennessee ($217,315,593)
Most Recent Quarterly Report
Fact Sheet
For more information: http://www.keepmytnhome.org

Washington DC ($20,697,198)
Most Recent Quarterly Report
Fact Sheet
For more information: https://www.homesaverdc.org/

PROPOSALS

Alabama Proposal

Arizona Proposal

California Proposal

Florida Proposal

Georgia Proposal

Illinois Proposal

Indiana Proposal

Kentucky Proposal 

Michigan Proposal

Mississippi Proposal

Nevada Proposal

New Jersey Proposal

North Carolina Proposal

Ohio Proposal

Oregon Proposal

Rhode Island Proposal

South Carolina Proposal

Tennessee Proposal

Washington DC Proposal

NOTE: Many of these proposals have not been updated to reflect changes made in response to changing conditions or early program experience. For current terms and conditions for each state’s program, please see the last amendment for each state under the “Contracts and Agreements” tab.

Contracts & Agreements

Alabama
Alabama Fifth Amendment to Agreement
Alabama First Amendment to Agreement
Alabama Fourth Amendment to Agreement
Alabama Second Amendment to Agreement
Alabama Sixth Amendment to Agreement
Alabama Third Amendment to Agreement
Arizona
Arizona Eigth Amendment to Agreement
Arizona Fifth Amendment to Agreement
Arizona First Amendment to Agreement
Arizona Fourth Amendment to Agreement
Arizona Second Amendment to Agreement
Arizona Seventh Amendment to Agreement
Arizona Sixth Amendment to Agreement
Arizona Third Amendment to Agreement
California
California Fifth Amendment to Agreement
California First Amendment to Agreement
California Fourth Amendment to Agreement
California Second Amendment to Agreement
California Seventh Amendment to Agreement
California Sixth Amendment to Agreement
California Third Amendment to Agreement
Eighth Amendment to California
Florida
Florida Fifth Amendment to Agreement
Florida First Amendment to Agreement
Florida Fourth Amendment to Agreement
Florida Second Amendment to Agreement
Florida Third Amendment to Agreement
Georgia
Georgia First Amendment to Agreement
Georgia Fourth Amendment to Agreement
Georgia Second Amendment to Agreement
Georgia Third Amendment to the Agreement
Illinois
Illinois Fifth Amendment to Agreement
Illinois First Amendment to Agreement
Illinois Fourth Amendment to the Agreement
Illinois Second Amendment to Agreement
Illinois Third Amendment to the Agreement
Indiana
Indiana Fifth Amendment to Agreement to Indiana
Indiana First Amendment to Agreement
Indiana Fourth Amendment to Agreement
Indiana Second Amendment to Agreement
Indiana Third Amendment to the Agreement
Kentucky
Kentucky Fifth Amendment to Agreement
Kentucky First Amendment to Agreement
Kentucky Fourth Amendment to Agreement
Kentucky Second Amendment to Agreement
Kentucky Third Amendment to Agreement
Michigan
Michigan Fifth Amendment to Agreement
Michigan First Amendment to Agreement
Michigan Fourth Amendment to Agreement
Michigan Second Amendment to Agreement
Michigan Third Amendment to Agreement
Mississippi
Mississippi First Amendment to Agreement
Mississippi Fourth Amendment to Agreement
Mississippi Second Amendment to Agreement
Mississippi Third Amendment to Agreement
Nevada
Nevada Eighth Amendment to Agreement
Nevada Fifth Amendment to Agreement
Nevada First Amendment to Agreement
Nevada Fourth Amendment to Agreement
Nevada Ninth Amendment to Agreement
Nevada Second Amendment to Agreement
Nevada Seventh Amendment to Agreement
Nevada Sixth Amendment to Agreement
Nevada Third Amendment to Agreement
New Jersey
New Jersey First Amendment to Agreement
New Jersey Fourth Amendment to Agreement
New Jersey Second Amendment to Agreement
New Jersey Third Amendment to Agreement
North Carolina
North Carolina Fifth Amendment to Agreement
North Carolina First Amendment to Agreement
North Carolina Fourth Amenedment to Agreement
North Carolina Second Amendment to Agreement
North Carolina Third Amendment to Agreement
Ohio
Ohio Fifth Amendment to Agreement
Ohio First Amendment to Agreement
Ohio Fourth Amendment to Agreement
Ohio Second Amendment to Agreement
Ohio Third Amendment to Agreement
Oregon
Oregon Eigth Amendment to Agreement
Oregon Fifth Amendment to Agreement
Oregon First Amendment to Agreement
Oregon Fourth Amendment to Agreement
Oregon Second Amendment to Agreement
Oregon Seventh Amendment to Agreement
Oregon Sixth Amendment to Agreement
Oregon Third Amendment to Agreement
Rhode Island
Rhode Island Fifth Amendment to Agreement
Rhode Island First Amendment to Agreement
Rhode Island Fourth Amenedment to Agreement
Rhode Island Second Amendment to Agreement
Rhode Island Sixth Amendment to Agreement
Rhode Island Third Amendment to Agreement
South Carolina
South Carolina First Amendment to Agreement
South Carolina Fourth Amendment to Agreement
South Carolina Second Amendment to Agreement
South Carolina Third Amendment to Agreement
Tennessee
Tennessee Amendment to Agreement
Tennessee Fifth Amendment to Agreement
Tennessee Fourth Amenedment to Agreement
Tennessee Second Amendment to Agreement
Tennessee Sixth Amendment to Agreement
Tennessee Third Amenedment to Agreement
Washington DC
Washington DC First Amendment to Agreement
Washington DC Fitfh Amendment to Agreement
Washington DC Fourth Amendment to Agreement
Washington DC Second Amendment to Agreement
Washington DC Sixth Amendment to Agreement
Washington DC Third Amendment to Agreement