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Hardest Hit Alabama Reopens to Help Families Affected by COVID-19

June 22, 2020

The Alabama Housing Finance Authority (AHFA) has taken action to help Alabama families affected by the COVID-19 pandemic by reopening Hardest Hit Alabama (HHA).

HHA, a foreclosure prevention program, provides short-term mortgage payment assistance to those who have lost employment or income due to COVID-19. Through HHA, eligible homeowners receive up to $30,000 of assistance per household to pay their current mortgage payment, including payments on any subordinate liens, while unemployed.

Eligibility Requirements:

  • Total Household income: $91,420 (includes income of all occupants 18+ years)
  • Maximum Unpaid Principal: $300,000 (must include balance of all outstanding liens)
  • Homeowners in active bankruptcy or who are receiving or have received mortgage payment assistance from HHA in the past are NOT eligible for additional assistance

Homeowners do not need to be delinquent on their mortgage to apply for HHA assistance. However, for borrowers in default, HHA will provide a payment, not to exceed $15,000, to bring the loan current.

Interested homeowners can submit an application for Hardest Hit assistance through a secure website ( HHA is available statewide to qualified homeowners on a first-come, first-served basis. Anticipating a high demand for this program, HHA will accept applications in cycles of 200 submissions each. Upon receipt of 200 applications, we will temporarily close the application portal to evaluate them. During this time, applicants may check their application status online to confirm they have submitted all required documents.

Hardest Hit Alabama is funded by the U.S. Department of Treasury's "Hardest Hit Fund" that was authorized under the Emergency Economic Stabilization Act of 2008 and is administered by AHFA. Since its inception in 2010, HHA has provided more than $82 million to nearly 7,800 Alabama families to help them avoid foreclosure. 

For more information or to apply, visit Applications are accepted through the website Monday-Friday. Homeowners that have questions about the program or status of their application may contact an HHA counselor at 1.877.497.8182 anytime Monday-Friday, 8 a.m.-5 p.m. CT.