Virginia Mortgage Relief
Struggling to pay your mortgage due to COVID-19?
No-cost assistance is available for Virginia homeowners.
If you believe you were approached by non-VMRP representatives offering VMRP-related financial assistance, charging a fee for application assistance, or requesting your personal information, please submit a Fraud, Waste and Abuse Allegation Reporting Form or call 800-228-4167.
PROGRAM UPDATE: Effective May 3, 2024, 11:59 p.m., the Virginia Mortgage Relief Program, or VMRP will no longer accept new applications and will be closing the program indefinitely.
Virginia homeowners financially affected by the COVID-19 pandemic who would benefit from this assistance are encouraged to apply as soon as possible. Eligible applications started prior to May 3, 2024, 11:59 p.m. will be processed on a first-come, first-served basis, with applicants at risk of foreclosure taking priority. Due to funding limitations, please note that application submission and conditional eligibility approval do not guarantee assistance. Once all VMRP-allocated funds are fully disbursed, remaining applications will be ineligible for assistance.
The VMRP helps homeowners experiencing a COVID-19 related financial hardship to pay mortgage and/or other qualified home ownership-related delinquencies to avoid default, foreclosure, or displacement. Financial hardship could include an increase in living expenses, childcare, change in household size, job loss, reduction in income, etc.
If you are a homeowner seeking assistance, visit our Eligibility page to review the VMRP eligibility requirements, what is covered by the VMRP, and a list of all required documents necessary to complete your application.
Apply for mortgage relief today:
Please note: There are never any costs associated with applying for the Virginia Mortgage Relief Program.
If you are unable to register online or need assistance checking on your application status, please contact the VMRP Call Center from 8 a.m. – 8 p.m. ET, Monday through Friday: 833-OUR-VMRP (833-687-8677).
What is HAF? The Homeowner Assistance Fund (HAF) is intended to support homeowners facing housing instability resulting from the COVID-19 pandemic. The Commonwealth of Virginia received $258 million in American Rescue Plan Act funds through the U.S. Department of the Treasury to launch the Virginia Mortgage Relief Program to keep Virginians safe at home.
As of January 10, 2023, the maximum amount of assistance to eligible Virginia homeowners is $50,000 with no cap on the number of months past due. Homeowners experiencing a financial hardship due to COVID-19 after January 21, 2020 (this may include a financial hardship that began before January 21, 2020 and continued after that date due to COVID-19) with a delinquency amount of $50,000 or less may be eligible for assistance.
Homeowner Assistance Fund Program
View the public hearing recording from August 5, 2021.
Homeowner Assistance Fund Plan and Term Sheet
Learn more about the VMRP program design as approved by the U.S. Treasury below:
Homeowner Assistance Fund Plan
Consolidated Term Sheet
Helpful Links
