To be eligible* for the Team Kentucky Homeowners Assistance Fund (HOAF) program, the applicant must have experienced and be able to document a financial hardship after January 21, 2020 due to COVID-19 and have an income less than 150% of the area median income (see chart below for details​).

Applicants who have been affected by COVID-19 resulting in disability will provide the date of approval for disability.

*Eligibility does not guarantee approval of funds. 

Occupancy

Homeowners must occupy the residence as their Principal Residence at the time of hardship and after the closing.

Important Note:  Financial hardships caused by inflation, rising costs of gasoline or groceries, are not qualifying hardships for this program.  Homeowners with inflation-related financial hardships, should work with their mortgage servicer or housing counselor to seek other alternatives.