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Help for Hardest Hit Homeowners

The Hardest Hit Fund helps Indiana homeowners who are struggling to make their mortgage payments due to job loss or temporary financial hardship.

Qualified homeowners may receive mortgage payment assistance while they search or retrain for new employment. The maximum amount of assistance is either $12,000 or $18,000, depending on the county of residence.

All assistance under this program is considered a loan. The loan will only have to be repaid if the homeowner sells the property before the forgiveness period expires (10 years) and there is sufficient equity to pay the loan.

In August 2010, the U.S. Department of Treasury announced an expansion of the Hardest Hit Fund to provide additional assistance targeted at unemployed borrowers in states hardest hit by the national foreclosure crisis- Indiana is one of those states.

Who Qualifies for HHF?

  • Residents of Indiana who live in their home as their primary residence
  • Must be unemployed and receiving unemployment insurance.
  • Individuals who have been unemployed in the past year may also qualify
  • Must be engaged in approved training, education or structured volunteer work

    How is the Assistance Structured?

  • Assistance comes in the form of a no-interest loan of $12,000 to $18,000 (depending on county of residence)
  • The loan is forgivable after 10 years

    • How do Homeowners Apply for HHF?

  • People may contact the Indiana Foreclosure Prevention Network by applying online at www.877gethope.org or via phone at 1-877-GET-HOPE.
  • Individuals not eligible for HHF are still encouraged to apply, as other forms of assistance may be available.




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    Northwest Community Action Corporation (NWICA) | 5240 Fountain Drive, Crown Point, Indiana 46307
    Main Office: 219.794.1829 | Toll-free: 800.826.7871 | TTY: 888.814.7597
    Email:     director@nwi-ca.org