Home Affordable Unemployment Program (UP)

Home Affordable Unemployment Program (UP)


You may be eligible for UP if you meet all of the following criteria:

  • You are unemployed and eligible for unemployment benefits.
  • You occupy the house as your primary residence.
  • You have not previously received a HAMPSM modification.
  • You obtained your mortgage on or before January 1, 2009.
  • You owe up to $729,750 on your home.
Program Availability
  • More than 100 HAMP-participating servicers can offer UP to eligible unemployed homeowners.
  • You may be required to make a partial payment, not to exceed 31 percent of your verified monthly gross (pre-tax) income including unemployment benefits.
  • You will be evaluated for a HAMP mortgage modification at the end of your UP forbearance period if it is available at that time.


The government has created a variety of programs to help homeowners having difficulty meeting their monthly mortgage obligations. The following is a partial listing of the programs that are now available to homeowners who need assistance:


El gobierno ha creado una variedad de programas para ayudar a los propietarios que tienen dificultades para cumplir con sus obligaciones mensuales de la hipoteca. La siguiente es una lista parcial de los programas que están ahora disponibles para los propietarios de viviendas que necesitan ayuda:

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