Hardest Hit Fund

If you've experienced a financial harship due to job loss or reduced hours resulting in a reduction of your income, the federal government has allocated funding to the State of Florida to help people in your situation. Those who qualify may be eligible for up to 12 months of mortgage payments. The U.S. Treasury allocated Hardest-Hit funds to specific states because of their excessive housing market depreciation and to help prevent foreclosures. Two targeted unemployment programs that provide temporary assistance to eligible homeowners in Florida are:

Unemployment Mortgage Assistance Program (UMAP) - Up to 12 months of payments (with a cap of $24,000) paid directly to the mortgage lender to assist an unemployed/underemployed homeowner with the first mortgage until the homeowner can resume making full payments. Also, up to $18,000 can be paid upfront to bring a past due 1st mortgage current before UMAP payments commence. 

Mortgage Loan Reinstatement Payment (MLRP) - To bring a delinquent mortgage current (up to $25,000) for a homeowner who has returned to work or recovered from underemployment. You must meet all eligibility requirements to be considered for the FLorida Hardest-Hit Fund (HHF) Program. The following list of requirements is not inclusive, but should give you a good idea of whether you may eligible for HHF assistance.


-For more information, please contact:hardest hit fund

Lisa Evans

Phone: (850) 863-1969 ext. 1
Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Office hours are Monday-Friday, 9:00 AM to 2:00 PM

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