Hardest Hit Fund Rhode Island

COVID-19 Mortgage Payment Assistance Unemployment Program (MPA-up)

The Hardest Hit Fund Rhode Island (HHFRI) is offering assistance to Rhode Island homeowners negatively impacted by the COVID-19 pandemic and struggling to make their mortgage payments. HHFRI is offering eligible homeowners a five-year, zero interest forgivable loan to pay up to six months of mortgage payments. The loan will be forgiven and the lien will be discharge if the homeowner continues to occupy the property as their primary residence and does not sell, transfer title or refinance. 

Eligible homeowners must:

  • Own and occupy a one-to four family property or condominium in Rhode Island
  • Be or have been unemployed or underemployed due to the pandemic
  • Receive or have received unemployment benefits from the Department of Labor and Training or another provider beginning March 1, 2020 or after
  • Have been current on their mortgage payment on March 1, 2020
  • Have less than $20,000 in non-retirement, liquid assets. Non-retirement, liquid assets include bank accounts, stocks, bonds, investments and cash value of life insurance
  • Have an original mortgage balance no greater than $820,500
  • Meet household income limits
      • ≤$97,646 for 1-2-person households
      • ≤$112,293 for 3 or more-person households

Apply Here:

Online Application

PDF Application to Print (English)

PDF Application to Print (Spanish)