Florida Hardest Hit Fund Program Fund
Florida Housing Finance Corporation (Florida Housing) was directed by Treasury to use a portion of these funds specifically for targeted unemployment programs that provide temporary assistance to eligible homeowners.
These targeted unemployment programs—collectively known as the Florida Hardest-Hit Fund (HHF) program—are as follows:
- Unemployment Mortgage Assistance Program (UMAP) will provide up to 12 months of payments (with a cap of $24,000) to the mortgage lender to assist unemployed or underemployed borrowers with their first mortgage until they can resume full payments on their own. In addition, up to $18,000 can be paid up-front to reinstate a delinquent first mortgage before UMAP payments commence. Total assistance available is up to $42,000.
- Mortgage Loan Reinstatement Payment (MLRP) Program will be used as a one-time payment to bring a delinquent mortgage current (up to $25,000) for a homeowner who has returned to work or recovered from underemployment.
Florida homeowners may apply for HHF assistance using the web-based, online system at www.FLHardestHitHelp.org. The site contains all the information a homeowner needs to apply, including detailed eligibility criteria, step-by-step prompts, FAQs, etc.