New Mexico Housing Trust Fund Emergency Assistance Program

If you need emergency housing cost assistance, you may be eligible to apply for funds through the New Mexico Housing Trust Fund Emergency Assistance Program. A limited amount of funding has been allocated from the New Mexico Housing Trust Fund to assist at-risk homeowners while the Homeowner Assistance Fund is pending Treasury approval.

This program is intended to assist New Mexico homeowners who have a private homeownership agreement (e.g., real estate contract, private lease to own agreement, manufactured home loan) and do not have access to COVID-19 loss mitigation options for home retention.

To be eligible, homeowners must meet the following criteria:

  1. The homeowner does not have access to home retention options through their lender, servicer, or
  2. lienholder, commonly referred to as loss mitigation.
  3. Without emergency assistance, the homeowner is at imminent risk of displacement.
  4. Annual gross household income must not exceed 80% of area median income limit, adjusted for family size. Link to income limits here.
  5. You must certify that you have had financial hardship after January 21, 2020 associated with the COVID-19 health crisis.
  6. Your current primary residence must be in New Mexico.
  7. You must provide evidence of your housing costs, including the current balance due, broken down by month. Only the current month and past-due months are eligible up to the maximum award amount of $20,000 per household.

Households who have a Mortgage or Deed of Trust through a traditional loan servicer may be eligible if they have exhausted other loss mitigation options and are still struggling with monthly payments. Additional documentation may be required.

If you are ineligible for emergency assistance and are having trouble making monthly housing payments, please contact your loan servicer or a HUD approved housing counselor for relief options. To receive updates about the Homeowner Assistance Program, including notification when applications will be accepted, please fill out the below contact form.

View Homeowner Assistance Fund income limits
Homeowner Assistance Fund Factsheet (English)
Program Participation Payment Acceptance Agreement
Request for Continued Assistance Form

Program Details

The New Mexico Housing Trust Fund Emergency Assistance Program will provide housing grants to eligible households experiencing financial hardship associated with the COVID-19 health crisis.

These grants are to fund delinquent housing payment for those at imminent risk of displacement for up to $20,000 per household to maintain housing and/or to reduce housing cost delinquency.

If your household has received assistance from an MFA program in the past, you are still eligible to apply for the New Mexico Housing Trust Fund Emergency Assistance Program.

Eligibility to apply for additional assistance does not guarantee approval. Requests are processed in the order received. Requests are funded in the order received depending on the availability of funding.

MFA will disburse assistance directly via check or electronic funds transfer to the homeownership loan lender/servicer, land contract holder, manufactured/mobile home lender, and/or other housing provider as appropriate. The assistance does not have to be repaid.

Do I Qualify?

  1. Households are eligible to receive assistance if they (1) attest that they experienced a financial hardship after January 21, 2020 associated with the COVID-19 pandemic, (2) provide income documentation and have incomes equal to or less than 80% of the area median income, and (3) currently own and occupy a primary residence in New Mexico.

    Annual household income includes but is not limited to wages, self-employment income, interest from interest bearing accounts, rental income, distributions from trusts, pensions, social security benefits, SSI, retirement accounts, death benefits, disability payments, unemployment benefits, severance or worker’s compensation, general assistance or TANF, child support, family support, alimony and armed forces pay.

    The income limits chart lists the income limits for this program based on where you live and the number of people in your household. These income limits are provided and required by HUD.
  2. Documentation requirements include a legally issued form of identification, documents needed to verify household income, and documentation needed to verify past due amounts, if applicable, and/or the contractual monthly.

    Only the current month and past-due months are eligible up to the maximum award amount of $20,000 per household.
  3. Your original loan balance must not exceed $417,000.

How Do I Apply?


Complete the above contact form to receive an invitation to apply. 

Applications will be ranked based on the date and time the application was received. If enough funds are available, all eligible applications will be funded, regardless of ranking.

Contact Us

If you have additional questions, e-mail us or call 505.308.4206 or 866.488.0498.

The New Mexico Homeowner Assistance Fund has been submitted for approval by the U.S. Department of the Treasury. Information about that program is available here.

For rental or utility assistance, visit rentalhelpnm.org.

If you live on tribal lands and need rental or utility assistance, contact your tribal government or tribally designated housing entity.