The Wyoming Homeowner Assistance Fund (HAF) Program includes help for:
WYOMING HOUSING OWNERS with MORTGAGE PAYMENTS Assistance is available to homeowners who have past due payments on utilities, property tax, homeowners insurance and homeowners association dues. HAF Program accepts applications for eligible homeowners to receive up to three consecutive months of mortgage payments. Priority will be given to delinquencies over forward mortgage payments.
WYOMING HOUSEHOLDERS WHO OWN THEIR HOMES IN ENTIRETY OR WITH REVERSE MORTGAGE: There is help available for late payments on utilities, property tax, homeowners insurance and homeowners association dues.
What is the HAF Program income eligibility?
If your household’s total annual income is below or equal to 150% of the AMI (area median income), you meet the HAF Program income requirements. The AMI for your household depends on the number of people in it and where you live. Please refer to the table below for the AMI that applies to your household in 2023. The U.S. Department of Housing and Urban Development sets the AMI limit and revises it in April of every year.
Please contact the call center at 1-888-996-4237 (WYO-HAFP) for application assistance resources.
Individuals who are deaf, hard of hearing, blind, and/or speech disabled may reach the HAF Program through their preferred relay service provider or by dialing 7-1-1.
Wyoming Homeowners Eligibility Criteria
- Must not have received a previous HAF award. This is a one-time application. Any eligible clients who received HAF payments in the past cannot apply.
- Must own a property in Wyoming, including those on the Wind River Reservation.
- Must currently occupy the property as the primary residence.
- Must have a total annual household income at or below 150% of the area median income. Income eligibility depends on how many people live in your household and the county you live in. Your household income needs to be at or below what is in the table. See table below.
- Must have experienced a COVID-related financial hardship after January 21, 2020.
IF APPLYING FOR MORTGAGE ASSISTANCE:
- The loan must be the first lien on the property.
- The homeowner must not intend to sell the property within six (6) months of receiving assistance.
- REVERSE MORTGAGES: Homeowners with reverse mortgages cannot apply for mortgage assistance but can apply for assistance with past due payments of utilities, property taxes, homeowners insurance, and homeowners association dues.
Homeowners are not eligible if they have received a previous HAF award. This is a one-time application. Any eligible clients who received HAF payments in the past cannot apply.
Wyoming Homeowners Eligibility Properties
- Single-family (attached or detached), including manufactured homes permanently affixed to property and taxed as real estate
- Condominium units
- 1 to 4-unit properties where the homeowner is living in one of the units as their primary residence
- Mobile homes permanently affixed to real property
HAF Program Assistance
The HAF Program will provide up to $17,000 in assistance as a one-time award paid to servicers or vendors on behalf of eligible homeowners to cover:
- MORTGAGE DELINQUENCY: Financial assistance to help reinstate a mortgage or to pay other housing-related costs related to a period of forbearance, delinquency, or default. Mortgage delinquency will be prioritized over other past due expenses.
- FORWARD MORTGAGE: Up to 3 consecutive months of forward mortgage payments. Delinquencies will be prioritized over forward mortgage payments.
- PAST DUE UTILITY PAYMENTS: Electricity, energy costs (fuel, oil & propane), water and sewer. (Internet costs are not an eligible expense.)
- PAST DUE HOUSING-RELATED BILLS: Property taxes, homeowners insurance or homeowner association dues.
The HAF Program is a one-time award paid to the mortgage servicer or vendor on behalf of the homeowner for past due payments only. Homeowners should be prepared to resume their monthly payments going forward.