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Posted on: April 22, 2022

Do You Need Help Staying in Your Home?

Michigan Homeowners Assistance Fund Flyer

Up to $25,000 in assistance available for Macomb County homeowners with  delinquent property taxes, other emergency housing expenses 

Hardship assistance provided through the Michigan Homeowner Assistance Fund

Macomb County is now helping individuals wishing to apply for assistance from the Michigan Homeowner Assistance Fund (MIHAF), a federal program created through the American Rescue Plan of 2021. 

The fund, which is aimed at reducing financial hardship associated with the COVID-19 pandemic, will help qualified individuals with mortgage delinquencies, defaults, foreclosures, utility shut offs and displacements. Up to $25,000 is available per approved applicant.
 
The Michigan State Housing Development Authority (MSHDA) is the operating agency for the $242.8 million MIHAF program, but locally, Macomb County Michigan State University Extension (MSUE) offices will help individuals apply. 

Individuals looking to apply must meet the following guidelines: 

  • They must have a qualified coronavirus-related financial hardship that occurred on or after January 21, 2020 
  • They must have owned their home on or before January 21, 2020
  • They must currently own and occupy this home as their primary residence 
  • They must have a household income equal to or less than 150 percent of the area median income (AMI). In Macomb County, the AMI for a family of four is $120,000, and the AMI for a family of two is $96,000. 

Those approved for assistance can use their funds for:

  • Property taxes
  • Delinquent mortgage/housing expenses, escrow shortages and corporate advances
  • Delinquent land contract payments, mobile home consumer loan payments or contracted park lot payments
  • Condominium/homeowners association fees
  • Homeowners insurances, 
  • Hazard, flood or mortgage insurance
  • Utilities, including gas, electric, water, sewer
  • Internet services

The MIHAF application portal is currently open. Individuals looking for additional information or those wishing to apply should contact Macomb County MSUE at 586-469-6430. For more information, visit the state’s MIHAF website here.

Michigan Homeowner's Assistance Fund (MIHAF)
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