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Florida Hardest Hit Fund (HHF)
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HHF Unemployment Programs Application Website


HHF Principal Reduction Application Website


HHF ELMORE Informational Website


HHF Reports


First announced on February 19, 2010, by the US Department of the Treasury (Treasury), the “Housing Finance Agency (HFA) Innovation Fund for the Hardest-Hit Housing Markets” (HFA Hardest-Hit Fund) provides federal funding to states hardest hit by the aftermath of the burst of the housing bubble. To date, $7.6 billion has been allocated to 18 states and the District of Columbia; Florida’s share totals more than $1 billion.

The Florida Hardest-Hit Fund (HHF) Programs are as follows:



Unemployment and Mortgage Reinstatement Programs


Unemployment Mortgage Assistance Program (UMAP) will provide up to 12 months of payments (with a cap of $24,000, whichever comes first) paid directly to the mortgage lender to assist unemployed or underemployed borrowers with their first mortgage. In addition, up to $18,000 can be paid to help satisfy all or some of any past due amounts owed to the mortgage lender; this assistance will be paid prior to the UMAP payments beginning and cannot exceed $18,000 total. Total assistance available is up to $42,000.


Mortgage Loan Reinstatement Payment (MLRP) Program will be used as a one-time payment to the mortgage lender to help satisfy all or some of any past due amounts owed on the first mortgage, only. This assistance cannot exceed $25,000 total, and any past due amounts over and above the $25,000 cannot be paid by the MLRP program and are the responsibility of the homeowner.


Florida homeowners may apply for either of these unemployment/mortgage reinstatement programs using the web-based, online system at www.FLHardestHitHelp.org.  




 Downpayment Assistance Program


The Florida HHF Down Payment Assistance (HHF-DPA) is designed to provide qualified first-time homebuyers with up to $15,000 in down payment and closing costs assistance. Currently, the program is available for prospective first-time homebuyers wanting to purchase homes located in the following counties, only:

·         Brevard

·         Clay

·         Duval

·         Hillsborough

·         Pasco

·         Pinellas

·         Orange

·         Osceola

·         Polk

·         St. Lucie

·         Volusia


Prospective first-time homebuyers, please click here to be redirected to Florida Housing’s First Time Homebuyer Wizard for more program information, income and purchase price limits, participating lenders and Realtors® and additional qualifications.




Principal Reduction


The Florida HHF Principal Reduction (HHF-PR) Program is designed to assist eligible homeowners by providing up to $50,000 to reduce the principal balance of the first mortgage, only, thereby reducing the loan-to-value (LTV) of the first mortgage to no less than 100 percent.


Florida homeowners may apply for the Florida HHF-PR Program using the web-based, online application system at www.PrincipalReductionFLHHF.org.



Reverse Mortgage Program


The Florida HHF Elderly Mortgage Assistance Program (ELMORE) is designed to assist seniors who are in arrears on their reverse mortgage (also known as a HECM—home equity conversion mortgage) by providing up to $50,000 to pay past due and future property charges, so that they may avoid foreclosure and can stay in their homes.


Florida homeowners with a reverse mortgage may apply for the Florida ELMORE Program through the toll-free ELMORE Application and Information Line at 1-(800) 601-3534. A live HECM-certified ELMORE advisor will assist applicants with the process. The ELMORE website, www.FloridaELMORE.org, contains important information regarding the program, including detailed eligibility criteria and answers to frequently asked questions (FAQs).


Attention Homeowners!!


Please be advised that the entities listed below ARE NOT associated with or authorized to represent Florida Housing Finance Corporation (Florida Housing) and/or the Florida Hardest-Hit Fund (HHF). Application for any of the Florida HHF Programs is FREE-OF-CHARGE and applicants will not be asked to pay for any eligibility determination services in conjunction with applying for this financial assistance.


·       Mader Law Group

·       Attorneys Legal Network

·       The Law Center

·       National Loan Restructuring

·       LMPrep LLC  

·       Hardship Center

·       KAT Capital Group, LLC


The following agencies are no longer participating in the Hardest-Hit Fund program:


·       Reliance Financial, Inc.

·       Second Chance Help Center, Inc.

·       All-American Foreclosure Solutions, Inc.

·       Affordable Housing Centers of America

·        Reliable Business Solutions 


HHF Reports

          ·         Click here for Florida Housing's Hardest Hit Fund Reports