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# HUD Emergency Homeowners' Loan Program (EHLP)
- URL: https://www.foodconsumer.org/hud_emergency_homeowners_loan_program_0630111032/
- Published: 2011-06-30T11:27:00.000Z
- Updated: 2026-09-15T13:19:28.000Z
- Description: An overview of HUD's Emergency Homeowners' Loan Program, funded with $1 billion under Dodd-Frank, and its eligibility rules: a 15 percent income drop from job loss or medical emergency, three months of mortgage delinquency, a foreclosure notice, and the home as a principal residence.
- Author: Food Consumer
- Tags: Government, Health News, #vivvo-import

**EHLP Overview**

[The Dodd-Frank Wall Street Reform and Consumer Protection Act](http://www.treasury.gov/initiatives/Documents/Fact%20Sheet%20-%20Top%2010%20Things%20You%20Should%20Know%20About%20the%20Dodd-Frank%20Wall%20Street%20Reform%20and%20Consumer%20Protection%20Act.pdf.p?ref=foodconsumer.org) provided $1 billion to HUD to implement the **Emergency Homeowners' Loan Program (EHLP)**.

Features

The EHLP is designed to provide mortgage payment relief to eligible homeowners experiencing a drop in income of at least 15% directly resulting from involuntary unemployment or underemployment due to adverse economic conditions and/or a medical emergency. Other EHLP eligibility requirements include:

- **Income Limit**: Applicant has a total household income equal to, or less than, the greater of either **$75,000** or**120 percent** of the [Area Median Income (AMI)](http://www.huduser.org/portal/EHLP/index.html?ref=foodconsumer.org) for a household size of four (4) persons previous to loss of income resulting from involuntary unemployment, underemployment, and/or medical emergency/serious injury.
- **Delinquency**: Applicant must be at least three months delinquent on mortgage payments, as signified by notification by their lender/servicer.
- **Likelihood of Foreclosure**: Applicant must have received notification of their lender's/servicer's intention to foreclose on their mortgage as a result of the delinquency, and must also certify to the likelihood that their mortgage will be foreclosed upon.
- Ability to Resume Payment: Applicant can be determined to have a reasonable likelihood of being able to resume repayment of the first mortgage obligations within 2 years, and meet other housing expenses and debt obligations when the household income rises above 85% of the previous level.
- **Principal Residence**: Applicant must reside in the mortgaged property as their principal residence, both at time of application and for the duration of the program loan period. The mortgaged property must also be a single family residence (1 to 4 unit structure or condominium unit).

EHLP funds will be used to assist borrowers in [Puerto Rico and the 32 states](http://www.hud.gov/offices/hsg/sfh/hcc/ehlp/ehlpstates.cfm?ref=foodconsumer.org) not funded through the[Treasury's Innovation Fund for Hardest Hit Housing Market program](http://www.treasury.gov/initiatives/financial-stability/housing-programs/hhf/Pages/default.aspx?ref=foodconsumer.org).

Additional program information is available on the following web pages:

- [Who Does EHLP Assist?](http://www.hud.gov/offices/hsg/sfh/hcc/ehlp/who.cfm?ref=foodconsumer.org)
- [How Does EHLP Work?](http://www.hud.gov/offices/hsg/sfh/hcc/ehlp/how.cfm?ref=foodconsumer.org)
- [Am I Eligible for EHLP Assistance?](http://www.hud.gov/offices/hsg/sfh/hcc/ehlp/ehlpsurvey.cfm?ref=foodconsumer.org)
- [How Do I Apply for EHLP Assistance?](http://www.findehlp.org/?ref=foodconsumer.org)
- [EHLP Substantially Similar States](http://www.hud.gov/offices/hsg/sfh/hcc/ehlp/ehlpsimilar.cfm?ref=foodconsumer.org)
- [Contact Information and Other Borrower Resources](http://www.hud.gov/offices/hsg/sfh/hcc/ehlp/resources.cfm?ref=foodconsumer.org)

http://portal.hud.gov/hudportal/HUD?src=/program\_offices/housing/sfh/hcc/ehlp/ehlphome