Foreclosure Prevention & Mortgage Assistance

Housing is a basic need.

As a result of the pandemic, many homeowners are struggling to make mortgage payments. Homeowners in the City of Tacoma or an eligible Pierce County city/town* (see below) who have experienced loss of employment or reduction in wages due to COVID-19, and have an income at or below 80 percent Area Median Income, may qualify for foreclosure prevention counseling and mortgage assistance with a $15,000 max per homeowner or six months of payments—whichever limit is met first.

Tacoma/Pierce County Habitat for Humanity is proud to partner with the City of Tacoma and Pierce County to provide this service to eligible residents.

Applications can be submitted online on a rolling basis with applicants being reviewed on a first come, first served basis until all available funds have been awarded. Mortgage payments are made directly to the loan servicer, mortgage company or bank on behalf of the homeowner.


City of Tacoma residents apply here   |   Pierce County residents apply here



  • Owner must own a home within the Tacoma city limits or one of the jurisdictions listed below and owner occupy the home from at least March 1, 2020.
  • Must have been current on mortgage prior to March 1, 2020.
  • Have mortgage payments past due after March 1, 2020.
  • Household income must be at or below of 80% Area Median Income (see chart below for limits)

Eligibility, Homeownership 2

Household size includes all persons residing in the home that are not renters or caregivers. The income of all household members 18 years or older must be considered. 

*Pierce County Consortium Members

City of DuPont                       City of Buckley                       Unincorporated Pierce County
City of University Place       Town of Carbonado               City of Fife
Town of Eatonville               City of Edgewood                   City of Milton
City of Fircrest                      City of Gig Harbor                  City of Roy
City of Orting                        City of Puyallup                       City of Sumner
Town of Ruston                    Town of South Prairie            Town of Steilacoom
Town of Wilkeson

To expediate your application, please attach or be prepared to provide copies of the following:

  • Mortgage statement
  • Two months documentation of income for all household members 18 years old or older. This includes paystubs, unemployment statement, social security, pension, L&I, child support or other proof of income.
  • Utility bill (to verify occupancy)

Additional documentation may be requested to verify eligibility.

Once an application is submitted, a member of our housing counseling team will contact you within two weeks. If you have questions in the meantime, please email us.


Homeowners living outside the region(s) listed above can contact the Washington State Foreclosure Prevention hotline at 1-877-894-4663 for assistance.


"Our Housing Counselor, was so compassionate and energetic. She’s a true advocate who works tirelessly to ensure that people get the support they need to stay in their homes. Thank you, all! "