State's Hardest Hit Fund Reopened

Aug 1, 2018

Some Hoosiers who’ve fallen behind on mortgage payments can once again get help from the state.

That's after the state’s decision to reopen its Hardest Hit Fund.

The Hardest Hit Fund provides up to $30,000 for those’ve fallen behind on their mortgage because they either lost their jobs or had wages cut. The money comes from federal funds.

The state closed the program a year ago because it couldn’t guarantee it could serve new applicants. Now, the Indiana Housing and Community Development Authority says the program will remain open until the funds are all spent.

Eligible Hoosiers must able to make their current month’s mortgage payment; the Hardest Hit Fund dollars are only meant to cover a past due balance. Homeowners only have to pay the state back if they sell their house for a profit within 10 years.

More than 10,000 people statewide have taken advantage of the program.

Those interested can submit applications online at or with a call to the Indiana Foreclosure Prevention Network at 877-438-4673 between 8 a.m. and 8 p.m., Monday through Friday.