Thank you for using the official Florida Hardest-Hit Fund Principal Reduction (HHF-PR) Website! 


Applications for Florida Hardest-Hit Fund Programs will close January 31, 2018. If you have not completed the application process yet and would like to see if you are eligible, you must fully complete your application by January 31, 2018. If you already have an application in the system, please contact your assigned advisor for additional information on the closing of the program. Do not attempt to start a new application. If you need further assistance, please call the toll-free HHF Information Line at 1-877-863-5244 to speak with an agent.

Your application must be completed by January 31, 2018.

This site contains all the information you will need to begin your application for the Florida HHF-PR program, with step-by-step instructions and prompts to help you. In addition, there are facts about the program, answers to frequently asked questions (FAQs) and other information that may be helpful to you. 

The federal government has allocated funding to assist eligible Florida homeowners who owe at least 115% more on their home than its current market value, commonly referred to as the home being “underwater.” The Florida Hardest-Hit Fund Principal Reduction (HHF-PR) program will provide up to $50,000 to an eligible homeowner(s) to help reduce the principal balance of the first mortgage. The program is available in all 67 counties in the State.

Eligibility requirements include, but are not limited to, the following:

    • Must be a Florida resident and a legal US resident/legal alien;
    • Must occupy property as primary residence;
    • Must be current on the monthly mortgage payment (cannot be 60 or more days late on the first mortgage within the past 24 months);
    • Property must have been purchased prior to January 1, 2010;
    • Must have an unpaid principal balance (UPB) that does not exceed $350,000 for the first mortgage;
    • Loan-to-value for the first mortgage must be greater than 115%; and
    • Borrower/Co-Borrower income must be less than 140% of the area median income (AMI) as provided by the US Department of Housing and Urban Development (HUD).

Click here to download the HHF-PR “Frequently Asked Questions” document, which contains the complete list of Florida HHF-PR eligibility requirements and program benefit. 

After reviewing this information, if you determine that your situation does not meet all of the eligibility criteria for participation in the HHF-PR program, you may qualify for Florida HHF Unemployment Mortgage Assistance Program (UMAP) or Mortgage Loan Reinstatement Program (MLRP) assistance. To review program eligibility criteria and/or to submit an application, you will need to visit

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