Homeowner Assistance Fund

How it works

Montana’s Homeowner Assistance Fund was created with federal American Rescue Plan Act money and administered by the Montana Department of Commerce. The official page says it was designed to help homeowners avoid mortgage delinquency, default, foreclosure, utility loss, home energy service loss, and displacement caused by pandemic-related hardship.

What the money covers

The page describes assistance for mortgage reinstatement, lien prevention, and utilities assistance. It does not describe home hardening, mitigation construction, or wildfire resilience work.

Amounts and matching

The page states Montana’s HAF included $50 million in federal funding. It does not give a per-home maximum in the retrieved text.

How to apply

The page says the program accepted applications through its online process. The utilities assistance portion stopped accepting applications at 5 p.m. on March 31, 2026. Mortgage Reinstatement and Lien Prevention remained open until 5 p.m. on July 31, 2026, subject to eligibility and available funds.

Timing and deadlines

• Utilities Assistance: closed to new applications after March 31, 2026 at 5 p.m.
• Mortgage Reinstatement and Lien Prevention: the page says applications were accepted through July 31, 2026 at 5 p.m., subject to eligibility and available funds.