Kansas Homeowner Assistance Fund (KHAF)
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 Hold Phase, the second of three closure phases. Applications submitted during Hold Phase will not be reviewed or processed unless sufficient funding remains.
The closure process will follow three phases. Here’s what this means for Kansas homeowners in need of assistance:
- Final Funding Phase: On Jan. 30, 2023 homeowners seeking KHAF support were encouraged to apply to be considered for final funding.
- Hold Phase: The program has received enough applications to fully expend all KHAF funds. Applications submitted during Hold Phase will be placed on hold and will not be reviewed or processed unless sufficient program funds are available.
- 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 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
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
KHAF Call Center
Help is available from 8 a.m. – 5 p.m. CST, Monday – Friday at 800-752-4422 OR complete the KHAF Contact Us form.
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 participation delivers hope to homeowners.
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.
- Homeowner submits an online application.
- Application is processed to ensure all eligibility criteria are met.
- If approved, funds are paid directly to the service provider(s), who apply to the homeowner’s account(s).
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
Total Applications Submitted
Applications In Process
KHAF Metrics by County
View KHAF statistics for each of the 105 Kansas counties.
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.
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.
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.
Documents | Forms | Resources
KHAF in the News
COVID-era program to aid Kansas homeowners to soon close – KCTV – Feb. 21, 2023
COVID-era program to aid Kansas homeowners to soon close – WIBW – Feb. 21, 2023
KANSAS HOMEOWNER ASSISTANCE FUND IN HOLD PHASE – Fort Scott Biz – Feb. 21, 2023
Kansas Homeowner Assistance Fund in ‘hold phase’ as available funds nearly exhausted – The Emporia Gazette – Feb. 21, 2023
Kansas Homeowner Assistance Fund in hold phase, closing soon – KSNW – Feb. 21, 2023
Statewide program responsible for providing Douglas County homeowners with more than $1.5 million in aid is nearing an end – Lawrence Journal-World – Feb. 21, 2023
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
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.