Programs

*All HHA programs are subject to change. Please refer to the Treasury website for the most current Term Sheet or call HHA for more information.


Program Exclusions

  • homeowners in an active bankruptcy
  • homeowners convicted for mortgage-related felonies
  • homeowners with rental property
  • seller-financed properties
  • second homes



General Eligibility

Household Income: The household income limit is $91,420 (including all occupants 18 years & older)

Mortgage Balance: $300,000 or less

Occupancy: Must be primary residence

Property: Single-family, attached or detached, and manufactured housing that is attached to real property

Location: Property must be located in the state of Alabama

Eligible Hardships: Unemployed & underemployed



Amount of Assistance

The maximum amount of assistance per program is $30,000.

Homeowners may participate in only one component per program, with a maximum total assistance of $60,000.



Mortgage Payment Assistance Program

The Mortgage Payment Assistance program is available to eligible homeowners who have experienced an involuntary job loss and are receiving unemployment compensation benefits or have experienced a substantial reduction in household income. HHA will provide monthly mortgage payments including principal, interest and escrow expenses.

If you have previously received Mortgage Payment Assistance (unemployment or underemployment) from HHA, you are not eligible for additional assistance under this portion of the program. 

For unemployed homeowners
Homeowners who have received unemployment benefits on or after March 2020 may be eligible for assistance. Funds will be disbursed to servicers for up to 8 months, not to exceed $30,000.

For underemployed homeowners
In order to be eligible as an underemployed homeowner, your household must demonstrate a financial hardship resulting in a 10% or greater reduction in total household income within the past 12 months.

Funds will be disbursed to servicers for up to 8 months, not to exceed $30,000.

To help delinquent borrowers, HHA will pay the mortgage servicer to bring the mortgage current, not to exceed $15,000. Homeowners cannot have a past due balance that exceeds $15,000.

The maximum assistance per household is $30,000.

For underemployed homeowners more than $15,000 past due
In order to be eligible as an underemployed homeowner, your household must demonstrate a financial hardship resulting in a 10% or greater reduction in total household income within the past 12 months.

A one-time disbursement of up to $30,000 will be made to fully reinstate the mortgage loan.

The reinstatement must result in a mortgage payment (including principal, interest, taxes, and insurance) of no more than 45% of the homeowner's income.