For Homeowners

Important Notice: The Program has disbursed all the available funds. As of Wednesday, May 31, 2023, this page will no longer be monitored or updated. If the security of your home is threatened, please contact one of the Housing Counseling Agencies.

For Homeowners

It is on Puerto Rico’s Homeowner Assistance Program best interest to provide an effectively implemented program so homeowners can easily apply to the funds. Below you will find a variety of documents required (if applicable) to apply to the PRHAP.

Policies and Procedures

Policies & Procedures*
(Click to download)

*Disclaimer: This document has undergone revision and is currently pending approval. The latest version of the Puerto Rico Homeowner Assistance Program’s Policies and Procedures will be available once it has been approved by the Puerto Rico Housing Authority.

Required documents by type of assistance

General Documents:
  • Identification
    • One of the following: Unexpired Driver’s License, state ID card, Real ID, CAC or Military ID, Immigration documentation or Passport.
  • Self-Declaration of Income
    • Provided on the application
  • Economic Hardship Declaration
    • Provided on the application
  • Occupancy/Primary Residency
    • Provided on the application
    • In addition, one of the following: Unexpired state-issued driver’s license or identification card and Primary Residence Self-Certification, Utility Bill (electric power and water service), Cable or Internet Bill, Mortgage or Credit Card Statement, Debt and Value Certification from the Municipal Revenue Collection Center (CRIM).
  • Ownership
    • One of the following: Mortgage or mobile home loan statement, Mortgage deed or mortgage statement under the name of the applicant, Court order/judgement, Certification of Registry from the Registry of Property Office in Puerto Rico, Contract of sale, Value Certification from the Municipal Revenue Collection Center (CRIM) or Sale receipt/registration (attached/detached mobile home).
    • If you have a Contract of Deed, you must submit: Contract of Deed.
    • If the homeowner is deceased: Death certificate, birth certificate (applicant), and property deed.
  • Forms
Specific Documents:
  • One of the following: Most recent mortgage/loan statement for each lien with loan balance demonstrating amount and date(s) of delinquency (if applicable)
General Documents:
  • Identification
    • One of the following: Unexpired Driver’s License, state ID card, Real ID, CAC or Military ID, Immigration documentation or Passport.
  • Self-Declaration of Income
    • Provided on the application
  • Economic Hardship Declaration
    • Provided on the application
  • Occupancy/Primary Residency
    • Provided on the application
    • In addition, one of the following: Unexpired state-issued driver’s license or identification card and Primary Residence Self-Certification, Utility Bill (electric power and water service), Cable or Internet Bill, Mortgage or Credit Card Statement, Debt and Value Certification from the Municipal Revenue Collection Center (CRIM)
  • Ownership
    • One of the following: Mortgage or mobile home loan statement, Mortgage deed or mortgage statement under the name of the applicant, Court order/judgement, Certification of Registry from the Registry of Property Office in Puerto Rico, Contract of sale, Value Certification from the Municipal Revenue Collection Center (CRIM) or Sale receipt/registration (attached/detached mobile home)
    • If you have a Contract of Deed, you must submit: Contract of Deed
    • If the homeowner is deceased: Death certificate, birth certificate (applicant), and property deed.
  • Forms
Specific Documents:
  • Water
    • Most recent balance statement from the Autoridad de Acueductos y Alcantarillados (AAA) demonstrating amount, and date(s) of delinquency or the Non-PRASA Debt Certification (Click to download) under the applicant’s name
  • Power
    • Most recent balance statement from LUMA demonstrating amount, and date(s) of delinquency
General Documents:
  • Identification
    • One of the following: Unexpired Driver’s License, state ID card, Real ID, CAC or Military ID, Immigration documentation or Passport.
  • Self-Declaration of Income
    • Provided on the application
  • Economic Hardship Declaration
    • Provided on the application
  • Occupancy/Primary Residency
    • Provided on the application
    • In addition, one of the following: Unexpired state-issued driver’s license or identification card and Primary Residence Self-Certification, Utility Bill (electric power and water service), Cable or Internet Bill, Mortgage or Credit Card Statement, Debt and Value Certification from the Municipal Revenue Collection Center (CRIM)
  • Ownership
    • One of the following: Mortgage or mobile home loan statement, Mortgage deed or mortgage statement under the name of the applicant, Court order/judgement, Certification of Registry from the Registry of Property Office in Puerto Rico, Contract of sale, Value Certification from the Municipal Revenue Collection Center (CRIM) or Sale receipt/registration (attached/detached mobile home).
    • If you have a Contract of Deed, you must submit: Contract of Deed
    • If the homeowner is deceased: Death certificate, birth certificate (applicant), and property deed.
  • Forms
Specific Documents: HOA Debt Certification (Click to download)
General Documents:
  • Identification
    • One of the following: Unexpired Driver’s License, state ID card, Real ID, CAC or Military ID, Immigration documentation or Passport.
  • Self-Declaration of Income
    • Provided on the application
  • Economic Hardship Declaration
    • Provided on the application
  • Occupancy/Primary Residency
    • Provided on the application
    • In addition, one of the following: Unexpired state-issued driver’s license or identification card and Primary Residence Self-Certification, Utility Bill (electric power and water service), Cable or Internet Bill, Mortgage or Credit Card Statement, Debt and Value Certification from the Municipal Revenue Collection Center (CRIM)
  • Ownership
    • One of the following: Mortgage or mobile home loan statement, Mortgage deed or mortgage statement under the name of the applicant, Court order/judgement, Certification of Registry from the Registry of Property Office in Puerto Rico, Contract of sale, Value Certification from the Municipal Revenue Collection Center (CRIM) or Sale receipt/registration (attached/detached mobile home).
    • If you have a Contract of Deed, you must submit: Contract of Deed
    • If the homeowner is deceased: Death certificate, birth certificate (applicant), and property deed.
  • Forms
Specific Documents:
    • Statement of Account from the Municipal Revenue Collection Center
General Documents:
  • Identification
    • One of the following: Unexpired Driver’s License, state ID card, Real ID, CAC or Military ID, Immigration documentation or Passport.
  • Self-Declaration of Income
    • Provided on the application
  • Economic Hardship Declaration
    • Provided on the application
  • Occupancy/Primary Residency
    • Provided on the application
    • In addition, one of the following: Unexpired state-issued driver’s license or identification card and Primary Residence Self-Certification, Utility Bill (electric power and water service), Cable or Internet Bill, Mortgage or Credit Card Statement, Debt and Value Certification from the Municipal Revenue Collection Center (CRIM)
  • Ownership
    • One of the following: Mortgage or mobile home loan statement, Mortgage deed or mortgage statement under the name of the applicant, Court order/judgement, Certification of Registry from the Registry of Property Office in Puerto Rico, Contract of sale, Value Certification from the Municipal Revenue Collection Center (CRIM) or Sale receipt/registration (attached/detached mobile home).
    • If you have a Contract of Deed, you must submit: Contract of Deed
    • If the homeowner is deceased: Death certificate, birth certificate (applicant), and property deed.
  • Forms
Specific Documents:
  • Debt certification from the insurance agency that includes:
    • Name of insurance agency
    • Name of owner (applicant)
    • Policy number (the policy must be valid)
    • Amount in arrears
General Documents:
  • Identification
    • One of the following: Unexpired Driver’s License, state ID card, Real ID, CAC or Military ID, Immigration documentation or Passport.
  • Self-Declaration of Income
    • Provided on the application
  • Economic Hardship Declaration
    • Provided on the application
  • Occupancy/Primary Residency
    • Provided on the application
    • In addition, one of the following: Unexpired state-issued driver’s license or identification card and Primary Residence Self-Certification, Utility Bill (electric power and water service), Cable or Internet Bill, Mortgage or Credit Card Statement, Debt and Value Certification from the Municipal Revenue Collection Center (CRIM)
  • Ownership
    • One of the following: Mortgage or mobile home loan statement, Mortgage deed or mortgage statement under the name of the applicant, Court order/judgement, Certification of Registry from the Registry of Property Office in Puerto Rico, Contract of sale, Value Certification from the Municipal Revenue Collection Center (CRIM) or Sale receipt/registration (attached/detached mobile home).
    • If you have a Contract of Deed, you must submit: Contract of Deed
    • If the homeowner is deceased: Death certificate, birth certificate (applicant), and property deed.
  • Forms
Specific Documents: Homeowners who have previously filed for bankruptcy but who are no longer in bankruptcy are not required to provide a court ordered “discharge” or “dismissal.” Homeowners with an active chapter 7, 12 or 13 bankruptcy status must obtain the approval of the U.S. Bankruptcy Court. The court-issued order that the applicant will provide to the program must contain express authorization to participate in the Puerto Rico Homeowner Assistance Program. The PRHAP will provide homeowners with the PRHAP Bankruptcy Court Approval Notice (Click to download), which contains relevant program information and instructions for homeowners with an active chapter 7, 12 or 13 bankruptcy status interested in requesting HAF assistance.

If your servicers and/or lenders has not signed the Collaboration Agreement with the Program, the eligibility determination and debt verification process will be delayed. Currently, all the servicers and lenders in Puerto Rico and the United States that have signed the Collaboration Agreement are listed HERE.

Due to the high number of applications, PRHAP will no longer accept applications beginning 3/11/2022. This is currently a temporary measure and will remain in effect until further notice. If you have already submitted your application or are in the process of completing it, our team is quickly working to evaluate your application and assist you. We would like to remind you that each application is different, and the evaluation time varies. 

Frequently Asked Questions:

If I already submitted my application, will it be reviewed and processed?

Applications submitted prior to 3/11/2022 will be evaluated by the PRHAP team to determine eligibility for PRHAP. Eligible applications will be processed in order of their submission and will receive assistance, subject to funds availability.

If my application is started but not submitted by the application deadline, will it be accepted?

If you have started your pre-screen and/or application, you will have access to complete it past 03/11/2022. Eligible applications will be processed and may receive assistance, subject to funds availability. Our team is available to assist you with collecting the necessary documents to determine your eligibility for PRHAP.We encourage you to complete your application as soon as possible visiting the Application Page.

How long will it take to for my application to be reviewed?

There are various factors that may impact an application’s timeline. To support the review and processing of your application, please ensure all necessary documents are submitted in a timely manner. Our team is available to assist you with collecting the necessary documents to determine your eligibility for PRHAP. If your servicers and/or lenders has not signed the Collaboration Agreement with the Program, the eligibility determination and debt verification process will be delayed. Currently, all the servicers and lenders in Puerto Rico and the United States that have signed the Collaboration Agreement are listed HERE.

If I already had an appointment scheduled with PPRHAP or registered in the Application Page, can I start my application?

Yes, the Program will start and complete additional applications after March 11, 2022 if, and only if, the situation meets one or more of the following criteria:

  • Homeowners who, before March 11, 2022, coordinated an in-person appointment at any of the four (4) PRHAP Intake Centers, even if the appointment was scheduled to be held after the above-mentioned date.
  • Homeowners who, before March 11, 2022, have called the PRHAP Call Center to offer their information and request assistance to start and/or complete their application.
  • Homeowners who, before March 11, 2022, have written to any of the official Program emails requesting assistance to start or complete their application.

The Puerto Rico Homeowner Assistance Program and the Puerto Rico Housing Financing Authority continue to work tirelessly to improve the Program’s processes and procedures; in order to support the largest number of eligible Puerto Rican homeowners affected by the COVID-19 pandemic, subject to the availability of funds.

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This project is supported by an allocation of federal funds granted to the Puerto Rico Department of the Treasury by the United States Department of the Treasury. This project will be administered by the Puerto Rico Housing Finance Authority. This website provides information only and is not intended to be used for legal consulting purposes. For financial advice specific to your circumstances, consult your financial advisor, attorney, or certified housing counselor. Information on this website is subject to change without notice.