State, County offer financial assistance for housing payments
The NC Homeowner Assistance Fund is now accepting applications from North Carolina homeowners whose finances were impacted by the pandemic and who need assistance with housing-related expenses.
The fund was established through the 2021 American Rescue Plan to prevent mortgage delinquencies, defaults, displacements and foreclosures for homeowners experiencing financial difficulties due to the coronavirus pandemic. It offers assistance of up to $40,000 for qualified homeowners as long as funding is available.
For qualified homeowners, the fund offers:
- Housing payment assistance for primary residence in North Carolina (for example, single-family home, townhome, condo or mobile home).
- Assistance for mortgage reinstatement to catch up on late payments (first or second mortgages) or other housing-related costs due to a period of forbearance, delinquency or default.
- Assistance covering other housing-related costs such as homeowner’s insurance, flood insurance, mortgage insurance, homeowner’s association dues/fees or delinquent property taxes to prevent foreclosure.
Homeowners can learn more and apply for help by calling 1-855-MY-NCHAF (1-855-696-2423) or by visiting
NCHomeownerAssistance.gov.Help is also available for renters. Orange County Housing Department manages the
Emergency Housing Assistance (EHA) Program, which has provided over $8.5 million in housing assistance to more than 2,000 Orange County residents since March 2020. This program is funded by Orange County and the Towns of Chapel Hill, Carrboro, and Hillsborough, along with state and federal funding.
Rent, mortgage and utility payments, security deposits, application fees and other emergency housing-related expenses are eligible for reimbursement. Visit the Orange County website for more details on this program.