The Michigan Homeowner Assistance Fund (MIHAF) is for homeowners with financial hardships due to the COVID-19 pandemic. The Michigan State Housing Development Authority (MSHDA) processes the applications, while Wayne Metro is here to help you submit your application!
MIHAF can help pay delinquent:
• Condo/Homeowners’ Fees
• Property Taxes
• Single-family (attached or detached) properties
• Condominium units
• 1 to 4-unit properties where the homeowner is living in one of the units as their primary residence
• Manufactured homes permanently affixed to real property and taxed as real estate
• Mobile homes not permanently affixed to real property
• Vacant, lacking a dwelling, or abandoned
• 2nd homes
• Investment property
• 1 to 4-unit properties where the homeowner/landlord has received Emergency Rental Assistance Funds
Eligible Qualified Expenses
• Mortgage/housing loan reinstatement (including escrows)
• Land Contracts and Reverse Mortgages
• Property taxes
• Condominium/homeowners’ association fees
• Mobile home and/or lot payment assistance
• Homeowner’s insurances
• Internet services
Maximum Per Household MIHAF Assistance
$25,000 per household, combined across all Eligible Uses
Assistance is limited to one-time, per household
The homeowner must have experienced or be experiencing a Qualified Financial Hardship as outlined below:
• Reduction of Income – Documented temporary or permanent loss of earned income on or after January 21, 2020, or that began before January 21, 2020, but continued after that date.
• Increase in living expenses – Documented Increase in out-of-pocket household expenses such as, medical expenses, inadequate medical insurance, increase in household size, or costs to reconnect utility services directly related to coronavirus pandemic on or after January 21, 2020, or that began before January 21, 2020, but continued after that date.
Income equal to or less than 150% of the area median income household limit in accordance with HUD’S FY 2023 HAF Income Limits.
Q. Who is eligible for MIHAF?
A. To qualify for financial assistance through MIHAF, applicants must be able to show a qualified pandemic-related financial hardship that occurred on or after January 21, 2020. They must currently own and occupy the home as their primary residence and have a household income equal to or less than 150% of area median income.
Q. What qualifies as a “pandemic-related financial hardship”?
A. Applicants must have a material reduction in income or a material increase in living expenses stemming from the COVID-19 pandemic that has increased a risk in mortgage delinquency, mortgage default, foreclosure, loss of utilities or home energy services, or displacement for a homeowner, such as:
• Attest to a temporary or permanent loss of earned income on or after January 21, 2020; or
• Attest to an increase in living expenses, such as medical expenses, inadequate medical insurance, increase in household size, or costs to reconnect utility services on or after January 21, 2020
Q. How much financial assistance does MIHAF provide?
A. Applicants are eligible to receive up to $25,000 in financial assistance per household. Financial assistance allocated through the MIHAF program will be paid directly to the lender.
Q. What types of homeownership-related expenses does MIHAF assist with?
A. Eligible applicants can use MIHAF assistance for:
• Delinquent mortgage/housing expenses, such as delinquent payments, property tax or
insurance escrow shortages
• Delinquent land contract payments, mobile home consumer loan payments or contracted mobile home park lot payments
• Delinquent property taxes
• Delinquent condominium/homeowners’ association fees
• Delinquent homeowner’s insurances, hazard, flood, or mortgage insurance (if not escrowed)
• Delinquent utilities, such as gas, electric, water, and sewer
• Delinquent internet broadband services
Q. How do you apply for the MIHAF program?
A. Homeowners interested in applying for financial assistance through MIHAF can visit MSHDA’s online application portal here, or call 844-756-4423 for additional information and assistance in the application process.
Q. When should I apply for MIHAF?
A. As soon as possible!