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Hardest Hit Fund (HHF) - Unemployment Mortgage Assistance Program (UMAP)


Florida Housing Finance Corporation
227 North Bronough Street Suite 5000
Tallahassee Florida 32301

Program Overview

Hardest Hit Fund (HHF) - Unemployment Mortgage Assistance Program (UMAP) is a program that provides up to $12,000 to pay monthly mortgage and escrowed mortgage-related expenses for up to six months, or until the homeowner can resume making mortgage payments, whichever comes first. In addition, homeowners will be required to pay 25 percent of their monthly income toward their monthly mortgage payment, with a minimum payment of $70 per month. Program available in all 67 counties in Florida.

The application fee is $ 0.

Who is eligible for thisTest program?

Homeowners who are unemployed, underemployed or have had at least a 10 percent reduction of income through no fault of their own, and are experiencing a financial hardship. Funds may be used to pay monthly mortgage and escrowed mortgage-related expenses such as property taxes, homeowner insurance, and mortgage insurance.

Is thisTest program for first time buyers only? No

Property Eligibility Requirements

Homeowner’s primary residence must be located in Florida and can be any one of the following structures: A single-family home; condo; townhome; manufactured or mobile home; or a two-,three- or four-family dwelling unit.

Benefit Details

Provides up to $12,000 to pay monthly mortgage and escrowed mortgage expenses for up to twelve months or until the $24000 limit has been reached, whichever comes first.

Benefit: 0% percent, deferred-payment loan the loan can be forgiven over a five-year period, at a rate of 20% each year
Owner Occupancy Required:Yes

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