HAF Program Funding Update

January 22, 2024

Provided by Wyoming Department of Family Services

HAF Program Funding Update

Struggling with overdue utility bills or mortgage payments due to COVID-19? The Wyoming Homeowner Assistance Fund (HAF) Program is still open. Since its inception in May 2022, the HAF Program has assisted 1,617 Wyoming homeowners, disbursing $12.2 million of financial aid with an average of $7,526 per household in assistance.

Under the program, eligible homeowners can receive a one-time grant of up to $35,000 to help with mortgage assistance, past-due utilities, and past-due housing-related expenses. catch up on delinquent mortgages, up to 3 consecutive months of forward mortgage payments and past due utilities, property taxes, homeowners insurance or homeowner association dues. These funds are paid directly to servicers or vendors on behalf of the qualifying homeowners.

Don’t miss out on this opportunity. Apply online at dfs.wyo.gov/haf or contact the call center toll-free at 1-888-WYO-HAFP (1-888-996-4237) for application assistance. They are available from 9 a.m. to 6 p.m. Monday through Friday.

Prioritization of Aid

The prioritization of aid will be as follows: mortgage reinstatement, partial claim assistance, delinquent “other expenses” and finally, forward mortgages.

  • 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.
  • PARTIAL CLAIMS: Financial assistance to pay off a portion or all of a partial claim. Partial claim must have been received after Jan. 21, 2020 due to a COVID financial hardship. Partial claims may be a subordinate lien. The HAF Program will not cover deferral payments.
  • FORWARD MORTGAGE PAYMENTS: Up to three (3) consecutive months of 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.

Understanding the Eligibility Criteria

  • Must not have received a previous HAF award. This is a one-time award. 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.
  • 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, and the homeowner must not intend to sell the property within six months of receiving assistance.

HAF Resources


If you have any questions, please email to homeowner.assistance@wyo.gov. Please continue to visit our website for the latest information at dfs.wyo.gov/haf.

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