Florida Hardest-Hit Fund (HHF)
Florida Housing Finance Corporation
About This Program
Federal Hardest Hit Fund program that provided mortgage payment assistance and principal reduction for Florida homeowners who experienced hardship due to unemployment or underemployment. While currently closed, similar disaster recovery programs may reopen during qualifying events.
Historical program average assistance; check for reopening during future disaster events
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Fernandina Beach, FL, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- Program currently closed
- Previously provided up to $35,000 mortgage assistance
- Helped homeowners facing unemployment hardship
- May reopen during disaster declarations
- Check Florida Housing website for updates
How to Apply
Confirm the current application route with the administrator. Verified official forms and steps appear below when available.
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Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Fernandina Beach.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Deadline: Program closed, check for reopening
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Find More Programs in Fernandina Beach, FL
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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