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Public Employee Press: PEP Talk

NYS Homeowner Assistance Fund

Up to $50,000 available for distressed homeowners


To qualify you must be:

  • Residing in the home, co-op or condo; and
  • Behind on mortgage payments; or
  • Behind on co-op maintenance charges or condo HOA fees; or
  • Behind on property taxes, water, or sewer bills; or
  • In default on a reverse mortgage; or
  • In forbearance
  • Homeowner Assistance Funds can be used to:
  • Pay off past due mortgage payments; or
  • Partially pay down the principal mortgage amount in order to make monthly mortgage payments more affordable; or
  • Pay off past due coop maintenance charges or condo HOA fees; or
  • Pay off past due property taxes, sewage or water bills; or
  • Pay future housing payments for up to six months if the applicant or an adult member of the household is currently unemployed or has exhausted unemployment benefits.

There are income and other eligibility requirements. To apply and get more information, visit: New York State Homeowner Assistance Fund at or call 844.77.NYHAF or 844.776.9423.

If you own a home, coop or condo and are in need of legal assistance or help navigating the Homeowner Assistance Program, please call the MELS Screening Unit at 212.815.1111.