Colorado Emergency Mortgage Assistance Program

Mortgage payment

The Colorado Emergency Mortgage Assistance Program (EMAP) provides financial assistance on behalf of income-eligible homeowners who have experienced a financial hardship associated with the COVID-19 health crisis.  

Households are eligible to receive EMAP 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 household incomes equal to or less than 100% of the Area Median Income for their county
  3. Currently own and occupy a primary residence in Colorado, and 
  4. Their original loan was not a Jumbo loan at the time of purchase or most recent refinance.



What is the Emergency Mortgage Assistance Program?

The purpose of the Emergency Mortgage Assistance Program (EMAP) is to assist homeowners with mortgage payment assistance. The Division of Housing has established the EMAP as a pilot program to disburse the initial 10% of the state’s allocation of federal Homeowner Assistance Fund (HAF) funds. 

Who is eligible for EMAP?

Homeowners are eligible to receive HAF funding if they experienced a financial hardship after January 21, 2020 OR had a financial hardship that began before January 21, 2020 and continued after January 21, 2020. Eligible households must have an income equal to less than 100%  of the area median income for this initial allocation . HAF funds may only be used for the homeowner’s primary dwelling.

What can the funds be used for?

EMAP funds are only eligible to be used for mortgage payment assistance.

How much funding is available?

The EMAP program has $175 million available to disburse to eligible applicants.

When does the application process open?

The EMAP application process will open on 11/1/2021. 

If I receive EMAP funds, does that preclude me from applying to other HAF programs?

No. Eligible homeowners are allowed to apply for more than one program.

What is the maximum amount of funding I can apply for?
The amount of funding will be commensurate to the needs of the homeowner. If the homeowner requires more than three months of mortgage assistance, a housing counseling consultation will be required.

Do I need to provide any documentation?

In addition to meeting all of the eligibility requirements articulated above, homeowners may need to provide proof of loss mitigation paperwork.

By when do the funds need to be spent?
The Division of Housing plans to disburse all HAF funds by September 30, 2025.

How will I able to access HAF funds?

Once an application has been approved, the funds will be payable directly to the homeowner’s mortgage servicer.

For additional questions please email