Kansas Homeowner Assistance Fund (KHAF)

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KHAF CLOSING SOON

The Kansas Homeowner Assistance Fund (KHAF), a federally funded, temporary emergency program to support homeowners experiencing hardship during the COVID pandemic, has disbursed nearly all program funds and will close soon. The program has entered Final Funding Phase, the first of three closure phases. Homeowners in need of assistance are encouraged to apply now, while funding is still available.

The closure process will follow three phases. Here’s what this means for Kansas homeowners in need of assistance:

  1. Final Funding Phase: Homeowners seeking KHAF support should apply as soon as possible to be considered for final funding.
  2. Hold Phase: Once the program receives enough applications to fully expend all KHAF funds, approval of new applications and recertifications will be subject to availability of remaining funds. Applications submitted during Hold Phase will be placed on hold and will not be reviewed or processed unless sufficient program funds are available.
  3. Closure Phase: When all program funds are exhausted the program will close and will stop accepting new applications.

For more questions, applicants can reach KHAF customer service at 855-307-KHAF (5423) or review the KHAF closure FAQs.

 

The KHAF program is funded through the federal American Rescue Plan Act (ARPA) and does not charge an application fee or require payment for services. If any organization or individual requests payment in exchange for assistance preparing or submitting a KHAF application, please notify our team immediately.

The Need

The pandemic is creating a housing crisis, threatening Kansas homeowners’ ability to keep up with mortgage and utility payments. As of May 2021, this has led to 15,430 home loans delinquent, of which 70% of these loans were behind more than 90 days.

As a result, thousands of homeowners are at risk of losing their homes and having their utilities shut off. Without aid, homeowners are left to struggle through the pandemic’s effects.

KEEP YOUR HOME

Program Description

The Kansas Homeowner Assistance Fund (KHAF) program helps qualifying Kansans get current on their mortgages and property taxes and avoid foreclosure.

The KHAF program provides:

  • Mortgage payments
  • Property taxes and charges
  • Utility, internet, and broadband fees
  • And more
Read more

KHAF Call Center

Help is available from 8 a.m. – 5 p.m. CST, Monday – Friday at 855-307-KHAF (5423) OR complete the KHAF Contact Us form.

Funding Source

The KHAF program is funded through the federal American Rescue Plan Act. Governor Laura Kelly designated Kansas Housing Resources Corporation (KHRC) to serve as the administrator of the majority of these funds through the KHAF program.

Lender Information

Lender participation delivers hope to homeowners.

Eligibility Criteria

Applicants must meet all of the following criteria:

  • You own your home in Kansas and are at least 30 days past due on mortgage or property taxes.
  • The property (a single-family home, one-to-four unit dwelling, condo, townhome, or manufactured home) is your primary residence.
  • Your recent income did not exceed 150 percent of your area’s median income.
  • Your household has experienced financial hardship during the COVID pandemic. 

Application Process

  1. Homeowner submits an online application.
  2. Application is processed to ensure all eligibility criteria are met.
  3. If approved, funds are paid directly to the service provider(s), who apply to the homeowner’s account(s).

Program Description

The KHAF program provides financial assistance for past-due mortgages, property taxes, homeowner association fees, utility costs, and internet / broadband payments to homeowners financially impacted by the COVID pandemic. Homeowners apply through an online process. If the application is approved, the KHAF funds are sent and applied directly to homeowners’ accounts, helping homeowners receive aid as quickly as possible.

KHAF METRICS TO DATE

0

Total Applications Submitted

0

Applications In Process

0

Applications funded

$ 0

Funding Provided

Updated 2/1/23

KHAF Metrics by County

View KHAF statistics for each of the 105 Kansas counties. 

KHAF Testimonials

What does assistance cover?

  • Mortgage Reinstatement – Past due mortgage payments including principal, interest, escrowed taxes and insurance, and any reasonable fees associated with the delinquency.
  • Mortgage Payments – Up to 6 months of future mortgage payments to homeowners who qualify for Mortgage Reinstatement.
  • Property Taxes and Charges – Past due property taxes, homeowner and flood insurance, homeowner association and condominium association fees, cooperative maintenance charges, common charges and any reasonable fees associated with the delinquency.
  • Utilities/Internet/Broadband Fees – Past due utility payments, including electricity, gas, home energy, water, wastewater as well as non-bundled internet and broadband services.

Please Note:

  • Only one application per homeowner/household.  

  • Past due utility assistance is secondary to mortgage and property tax assistance.  

  • Non-Conforming Loans are not eligible for KHAF assistance.  

Income Guidelines

KHAF funds are used for qualified expenses that assist homeowners having incomes equal to or less than 150 percent of the greater of the area median income (AMI) for their household size, or the area median income for the United States, as determined by the Secretary of Housing and Urban Development. The KHAF Income Limits are used for determining eligibility for KHAF funds.

KHAF in the News

The Kansas Homeowner Assistance Fund Program (2/1/23) – KOAM – Feb. 2, 2023

Program helping homeowners with emergency payments for mortgage, utility, property taxes ending soon – KVOE – Jan. 31, 2023

Kansas Homeowner Assistance Fund to close soon – Fox 4 KC – Jan. 31, 2023

Kansas Homeowner Assistance Fund to close soon – MSN – Jan. 30, 2023

HOMEOWNERS IN NEED OF ASSISTANCE: HELP IS AVAILABLE – Fort Scott Biz – Jan. 30, 2023

Kansas Homeowner Assistance Fund to close soon – KSNT – Jan. 30, 2023

Program meant to help Kansas homeowners during pandemic to close soon – WIBW – Jan. 30, 2023

KANSAS HOMEOWNER ASSISTANCE FUND CLOSING SOON – KRSL – Jan. 30, 2023

Stimulus money is still available for renters and homeowners in Kansas – Newsbreak – Dec. 27, 2022 

Only 25 percent of Kansas Homeowner Assistance Funds remain – Great Bend Tribune – Dec. 20, 2022 

Headlines for Tuesday, December 20, 2022 – Kansas Public Radio – Dec. 20, 2022 

Homeowners in need of assistance encouraged to apply now – Fort Scott Biz – Dec. 19, 2022

About 75% of Kansas Homeowner Assistance funds dispersed, only 25% remain – WIBW – Dec. 19, 2022

Only 25% of Kansas Homeowner Assistance Funds remain – Emporia Gazette – Dec. 19, 2022

Agency encourages homeowners to apply for pandemic mortgage relief funds – Lawrence Journal-World – Dec. 19, 2022

Homeowner assistance fund helps support over 2,300 Kansans – Derby Informer – Nov. 5, 2022

KHAF Support Still Available, Thousands of Homeowners Have Already Received Assistance – Kansas Office of Recovery – Nov. 4, 2022 

Public Assistance Fund Program Still Accepting Mortgage and Tax Assistance Applications – Ottawa Herald & More News – CableFreeTV – Oct. 30, 2022

KANSAS ACCEPTING APPLICATIONS FOR MORTGAGE, PROPERTY TAX, AND UTILITY ASSISTANCE – Fort Scott Biz – Oct. 27, 2022

GOVERNOR LAURA KELLY ANNOUNCES NEARLY $25 MILLION HAS SUPPORTED OVER 2,300 KANSAS HOMEOWNERS – KRSL – Oct. 26, 2022

Kansas distributed nearly $25 million in mortgage and property tax aid to Kansans – KZRG – Oct. 25, 2022

The Johnson County Government Magazine – Fall 2022 Edition – JoCo Magazine – Sept. 21, 2022

The Kansas Mortgage Relief Program Is Helping Homeowners – EIN News – June 23, 2022 

State has $56 million for homeowners struggling to pay mortgages – Derby Informer – June 22, 2022

Kansas has $56 million to help homeowners struggling to pay their mortgage following pandemic – The Kansas City Beacon – June 18, 2022 

Funds Available to Kansas Homeowners Through KHAF Program – Kansas Office of Recovery – June 17, 2022

Kansas has $56 million to help homeowners struggling to pay their mortgage following pandemic – Wichita Beacon – June 15, 2022 

Karey Brown with Marilyn Stanley, Program Director of Kansas Housing Assistance Fund – RealEstate101 with Karey Brown – May 2, 2022

Mortgage Money Available – WIBW News Now – Apr. 20, 2022

New help available for struggling homeowners in Kansas – KSN – Apr. 18, 2022

New help available for struggling homeowners in Kansas – Fox 4 KC – Apr. 18, 2022

Kansas Housing Launches Mortgage Relief Program – EIN Newswire – Apr. 18, 2022

Help available for homeowners behind on mortgage – Fox 4 KC – Mar. 1, 2022

Weather program available for low-income residents – Leavenworth Times – Feb. 5, 2022

Questions?

Contact
855-307-KHAF(5423)

This project is being supported, in whole or in part, by federal award number HAFP-0140 awarded to Kansas Housing Resources Corporation by the U.S. Department of the Treasury.

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Income Guidelines

Household Size Maximum Income for Weatherization (200% of FPL)
1  $   25,760
2  $  34,840
3  $  43,920
4  $   53,000
5  $  62,080
6  $  71,160
7  $  80,240
8  $  89,320

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