Hardest Hit Fund

The U.S. Department of the Treasury established the Hardest Hit Fund to help homeowners who are having difficulty making their mortgage payments. Specific states where housing has been most affected by the economic downturn were funded by the government to provide homeowners mortgage assistance. Programs were created for those who are unemployed, underemployed and homeowners who owe more than their home is currently worth.

The Hardest Hit Fund programs are designed and administered at the state level and are customized specifically to address the housing issues that affect each state.

What kinds of programs are available?

The following assistance programs may be available to you through your state's Hardest Hit Fund program and Chase. Customer eligibility and programs vary by state and are subject to change.

  • Reinstatement – A one-time payment that would catch up past-due amounts to help bring the account up to date or current.
  • Unemployment – Temporary mortgage payment relief for a homeowner with a change in job circumstances resulting in considerably less household earnings.
  • Transition assistance – A payment given to a homeowner that can be used toward moving expenses after selling the property.

View the map of Hardest Hit Fund States and learn how to apply now.