BEWARE: Only use protectmykyhome.org and teamkyhaf.ky.gov when applying for mortgage assistance. Other websites, including teamkyhaf.com, are not affiliated with the Homeowner Assistance Fund or the Kentucky Homeownership Protection Center.
Protect My KY Home Team Kentucky

 Homeowner Assistance Fund (HOAF)

​​​Required Documentation​

  1. State-issued photo ID
  2. Documentation of income prior to COVID:
    • W-2's
    • Pay stubs
    • Tax returns
    • IRS Form 1099​
  3. Documentation of income during COVID-related financial hardship:
    • W-2's
    • Pay stubs
    • Tax Returns
    • IRS Form 1099
    • Written statement from homeowner detailing dates of hardship.
  4. If applicable, documentation of current income
  5. Proof of ownership for subject property, such as tax statement from county sheriff
  6. Most recent bank account(s), all pages.
    • Deposit accounts (checking, savings, certificates of deposit, etc.​
  7. Most recent statement(s) for assistance requested
    • Mortgage statement
    • Past due property tax bill, can be no later than 2017 tax year.
    • Past due Homeowners or Flood Insurance bills, if not part of mortgage escrow.
    • Past due Homeowners Association Dues bill.
    • Past due utility bills (water/sewer, electric, and gas).  ​​
The Housing Counselor may ask for additional documentation not included on this list, if needed.

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Looking for the Media Toolkit? Visit the HOAF Media Toolkit page for media resources including videos and press releases for the Team Kentucky HO​AF program.​ To see additional help available to Kentuckians in need, visit Kentucky Housing Corporation's resources page​. ​​​​​​​​​