Florida Hardest Hit Program

Apply for Florida's Hardest Hit Program Fund!

Let HELP CDC assist you with the application process
& eligibility determination process for


IMPORTANT NOTE:   Each household and each situation is very different. While the information on this website is here to explain some of the basic information about the Florida Hardest-Hit Fund (HHF) Programs, PLEASE take the next step and call HELP CDC today. We will take the time to hear from you about your hardship to determine if there is any way that these programs can assist you and your family.

After reviewing the HHF program information and eligibility criteria below, you should contact us for a pre-screening:

By Telephone:
(407) 628-4832 dial extension 2003
For Haitian-Creole dial extension 1007
For Spanish dial extension 1012

By E-mail:
Send us your contact information by email to hhf@helpcdc.org
or complete this Contact Form.
Please select "FL HARDEST HIT" for the service.

Florida Housing Finance Corporation (Florida Housing) was directed by US Treasury (Treasury) to create and administer foreclosure prevention assistance programs that address the unique issues of our state. Treasury requires that Florida use a portion of these funds specifically for targeted unemployment programs that provide temporary assistance to eligible homeowners.  HHF assistance is paid directly to the loan servicer/lender for those homeowners deemed eligible to participate in the program.

Florida Housing has two unemployment programs:

  • Unemployment Mortgage Assistance Program (UMAP)
  • Mortgage Loan Reinstatement Payment (MLRP) Program

OPTION #1:  Unemployment Mortgage Assistance Program (UMAP)

For homeowners who have a qualifying financial hardship:

  • Underemployed
  • Unemployed:  At least a 10-percent reduction of income
  • Death of a borrower or co-borrower
  • Divorce from a borrower or co-borrower
  • Disability of a borrower, co-borrower or household member

Loan funds can be used to pay monthly mortgage and escrowed mortgage related expenses (i.e., property taxes, homeowner insurance, and mortgage insurance) until the homeowner can resume payments or for up to 12 months, with a cap of $24,000, whichever occurs first. Additionally, for homeowners who are delinquent on the first mortgage at the time they qualify for the UMAP program, up to $18,000 can be paid toward any past due amounts. This assistance is typically paid prior to UMAP payments and can help to reinstate the first mortgage.

OPTION #2:  Mortgage Loan Reinstatement Payment (MLRP) Program

For homeowners who have experienced and recovered from a qualifying financial hardship, loan funds can be used as a one-time payment toward any past due amounts: up to $25,000 will be paid.


Florida Housing also has a Principal Reduction (PR) Program:

For homeowners who:

  • Owe more on their home than the home’s current market value—commonly referred to as the home being “underwater”--by at least 115%  --and--
  • Have remained current for the last 24 months –or—
  • Were no more than 30-59 days behind on their payments in the last 24 months—even if it occurred multiple times.

This program is designed to assist eligible homeowners by providing up to $50,000 to reduce the principal balance of the first mortgage, thereby reducing the loan-to-value (LTV) of the first mortgage to no less than 100 percent.

Let HELP CDC assist you with the application process
& eligibility determination process for FREE!!!


  • If you would like to work with our agency--HELP CDC--we suggest that you contact our HHF Department directly at (407) 628-4832 extension 2003 so that one of our HHF Advisors can assist you with the START SCREEN.
  • If you prefer to start the online application yourself, please use our Referral Code 53099 on the “START NOW” screen when completing your online application. PLEASE NOTE: If our HELP CDC Referral Code is omitted or entered incorrectly, you will be assigned to work with a different HHF Advisor Agency.


  • If you would like more information about the UMAP or MLRP programs, please visit the HHF official website at www.FLHardestHitHelp.org and read the Frequently Asked Questions.

  • If you would like more information about the PR program, please visit the HHF official website at www.PrincipalReductionFLHHF.org and read the Frequently Asked Questions.

For further questions, contact the Hardest-Hit Toll-Free Information line at 1-(877) 863-5244, Monday-Friday, 9:00 a.m. – 5:00 p.m.

HELP Community Development Corporation (HELP CDC)

is an approved HHF Advisor Agency.