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New York State Homeowner Assistance Fund (NYS HAF)

***The NYS HAF Program will start accepting applications on January 3, 2022***

HAF funds can be used to:

  • Mortgage arrears satisfaction/principal reduction

  • Property tax and water arrears satisfaction

  • HOA/Maintenance arrears satisfaction

  • Chattel loans or monthly lot rents

  • Awards will be capped at $50,000. If an applicant applies for multiple interventions (i.e property tax arrears and mortgage arrears), the combined award will be subject to the $50,000 cap.

    • Forward Payments Program: Applicants who are unemployed may apply for up to six (6) months of forward payments. (May be combined with the other interventions)

How Homeowners Can Apply


On-Line Website:

  • The Application Website will be accessible from any device, including a smart phone and will be in multiple languages. 

  • Applications can be saved and returned to at a later time

  • Requested documentation can be up-loaded into the system as a copy or a photo 


Call Center:

  • The Call Center will be staffed by live operators six days a week, and will accommodate multiple languages 

  • An applicant with limited access to the internet or those who need additional support may apply through the Call Center through a live operator with homeowner authorization


Third Party Advocate:

  • Homeowners may apply through a housing counselor or lawyer who will have access to the Application Website

  • They may also have a friend or advocate apply on their behalf with proof of 3rd Party Authorization.

Visit: to review our Application Guide, Document Checklist, FAQ and more

Call: 844-77-NYHAF (1-844-776-9423) to speak with a live operator in multiple languages

Average Median Income per household / per county  Five Boroughs a household income of:

  • $83,550 for 1 person HH, 

  • $95,450 for a 2 person HH, 

  • $107,400 for a 3 person HH

  • $119,300 for a 4 person HH

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