The Hardest Hit Fund: Money for States Impacted by the Housing Crisis

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In 2010 the federal government created the Hardest Hit Fund (the formal name is the Housing Finance Agency Innovation Fund for the Hardest Hit Housing Markets). The purpose of the Hardest Hit Fund is to provide money to the states most impacted by the housing crisis -- that is, those states with the steepest home price declines and the highest unemployment.

The government identified 18 states and the District of Columbia to receive a total of $7.6 billion. Each state that received funds developed it’s own program, which is administered by that state’s housing finance agency, to distribute the funds and help struggling homeowners to avoid foreclosure. The overall goal is to keep families in their homes.

The states that received funds and set up programs are:  Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Mississippi, Nevada, New Jersey, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, and Washington D.C.

This page is under construction. If your state's Hardest Hit Fund program is not listed below, come back later.

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