Kansas Homeowner Assistance Fund closes, leading nation in disbursements and prevention of foreclosures

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Nearly $49 million assists more than 4,300 Kansas homeowners

The Kansas Homeowner Assistance Fund (KHAF), a federally funded, temporary emergency program to support homeowners experiencing hardship during the COVID pandemic, has stopped accepting applications and is now closed.

KHAF was established with American Rescue Plan Act (ARPA) funds to help qualifying Kansas homeowners get current on their mortgages and avoid foreclosure. Since the program launched in April 2022, KHAF has provided nearly $49 million in assistance, preventing foreclosure for more than 4,300 homeowners.

The program’s impacts were felt across the state:

  • 98 of 105 Kansas counties assisted
  • 93% of homeowners assisted were below 100% of their area’s median income
  • 275 mortgage servicers collaborated with KHAF
  • Homeowners were offered HUD housing counseling and/or legal services


According to the U.S. Department of Treasury, Kansas had distributed or allocated 96.3 percent of its federal Homeowner Assistance Funds by the first quarter of 2023. This was the highest percentage of Homeowner Assistance Fund disbursements among all 50 states.

View the interactive map by clicking the image. Source: U.S. Department of Treasury.

Additional data revealed Kansas’ foreclosure starts for the first half of 2023 were down significantly to just 34 percent of 2019 levels, among the lowest of all states.

View the interactive map by clicking the image. Source: ATTOM Data Solutions.

The closure process followed three phases. 

  1. Final Funding Phase: On January 30, 2023, homeowners were encouraged to apply as soon as possible to be considered for final funding.
  2. Hold Phase: On February 21, 2023, KHAF had received enough applications to exhaust all funds.
  3. Closure Phase: On Dec. 15, 2023 KHAF closed and stopped accepting new applications. Approved forward mortgage payments are accounted for and will be paid as scheduled.  

KHAF applicants can monitor scheduled forward mortgage payments by logging into the KHAF portal and viewing the status description and scheduled payments.

KHAF cannot guarantee the payment of shortages due to loan servicer misquotes or increases in monthly payments due to tax and insurance escrow changes.

A list of HUD housing counseling agencies, legal services, the Kansas foreclosure timeline, and loss mitigation options can be viewed at Additional Housing Resources.

For more questions, applicants can reach KHAF customer service at KHAF@kshousingcorp.org, or review the KHAF closure FAQs. KHRC’s ongoing housing programs will continue to serve Kansas beyond the closure of the KHAF program.


The KHAF program is administered by Kansas Housing Resources Corporation (KHRC), a self-supporting, nonprofit, public corporation committed to helping Kansans access the safe, affordable housing they need and the dignity they deserve. KHRC serves as the state’s housing finance agency, administering essential housing and community programs to serve Kansans



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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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