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HAP Program Program Overview
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Disclaimer: The information contained herein is strictly provided as information
only. For more information about the U.S. Army Corps Homeowner Assistance
Program, please see the HAP contact information inside or visit:
http://hap.usace.army.mil.
DEPARTMENT OF DEFENSE
U.S. ARMY CORPS OF ENGINEERS (USACE)
HOMEOWNER ASSISTANCE PROGRAM (HAP)
OVERVIEW
The Department Defense (DOD) is proud to offer
the Homeowners Assistance Program (HAP) to
eligible military members, federal civilian and
Non-Appropriated Fund employees. This
program was authorized by law to assist eligible
homeowners who, through no fault of their own,
face a financial loss when selling their homes in
areas where real estate values have declined
because of a Base Closure or Realignment
Announcement.
The Department of Defense designated the U.S. Army as executive agent for HAP. The U.S.
Army Corps of Engineers administers the program for the Department of Defense and the Coast
Guard.
Base closures and force reductions are necessary facts of life during this time of transition for
all the services. HAP, and other personnel oriented initiatives, will minimize hardships on
service members, employees and families as we accomplish our changing missions. Working
with installation commanders and housing officials, the U.S. Army Corps of Engineers district
realty specialists will offer all possible assistance in determining and disbursing HAP benefits to
eligible homeowners.
The American Recovery and Reinvestment Act of 2009 (ARRA) temporarily expands the HAP to
assist service members and DOD employees who are wounded, injured or become ill when
deployed, surviving spouses of service members or DOD employees killed or died of wounds
while deployed, service member and civilian employees assigned to BRAC 05 organizations, and
service members required to permanently relocate during the home mortgage crisis.
ELIGIBILITY
The general eligibility requirements follow; however, if you think you might be eligible, you
should submit an application for a formal determination.
Two things must happen before a HAP can be Implemented in your community:
First - There has to be an announcement of a base closing or realignment action which affects
your community.
Second - A determination must be made that real estate values have dropped as a direct result
of the base closing or realignment announcement.
Eligibility
The applicant must be a military service member (including Coast Guard) or federal
civilian employee (including non-appropriated fund) assigned at or near the installation
announced for closure or realignment.
Also Eligible Are:
o Civilian and military personnel on overseas tours who transferred within three
years prior to the announcement and who are homeowners in the area.
Civilian employee homeowners on overseas tours with reemployment rights in the area
affected by the announcement.
Military member homeowners ordered into on-post housing within six months prior to
the announcement.
All applicants must have been the owner-occupant of their homes for which assistance
is being requested on the BRAC announcement date which is May 13, 2005
A Non-Appropriated employee who was assigned at the installation on the
closure/realignment announcement date may also apply. The current BRAC
closure/realignment announcement date is May 13, 2005.
Also eligible are personnel transferred or terminated within six months prior to the
announcement who were owner on May 13, 2005.
Civilian and military personnel on an overseas tour who transferred within 3 years prior
to the announcement and who are homeowners in the area; and
Civilian employee homeowners on an overseas tour with reemployment rights in the
area affected by the closure; and
A military member homeowner ordered into on-post housing within six months prior to
the announcement.
In addition, applicants must be relocating beyond commuting distance from the area.
All applicants must have been the owner-occupant of the home for which assistance is
being requested on the announcement date. To qualify, the applicant must also meet
other eligibility criteria.
These are the general eligibility requirements. If you think you may be eligible, you
should submit an application for a formal determination.
BENEFITS
Private Sale
Eligible applicants may be compensated for the difference between 95% of the appraised fair
market value of the property prior to the announcement date, and the appraised value of the
property at the time of sale, or the sales price, whichever is greater. Closing costs are
reimbursed for private sales.
Government Purchase
The Government might purchase your property at 75% of your purchase price, or mortgage
payoff. If this occurs, the government will sell the home to the buyer you and your realtor
located and pay the realtor fees.
NOTE: It is a DOD policy to insure that HAP funding remain available to assist the maximum
number of applicants as opposed to using the funds for administrative costs associated with
maintenance and resale of a large housing inventory.
Foreclosure Assistance
If foreclosure proceedings have commenced, an applicant may elect to receive foreclosure
benefits or private sale benefits. Foreclosure benefits may be paid directly to the applicant to
reimburse for foreclosure costs paid by the applicant, or paid to third parties on the applicant’s
behalf.
NOTE: Eligible HAP applicants who work at overseas installations announced for closure or
realignment may receive only private sale benefits. Government purchase benefits are not
available at overseas installations.
How HAP Assists You
HAP provides assistance in four ways. For eligible applicants, the Government may:
1. Reimburse you for part of your loss from selling your home.
2. Assist you, if you don’t have funds from the sale of your home to pay-off your mortgage.
3. Purchase your home by paying off the mortgage.
4. Help, if you default on your mortgage.
EXPANDED HAP PROGRAMS
WOUNDED, INJURED, ILL WARRIORS & SURVIVING SPOUSES OF FALLEN WARRIORS MILITARY & CIVILIAN
PERSONNEL
1) WT: Military Personnel and Civilian Employees:
a. Military Personnel: Member of Armed Forces (including US Coast Guard) in medical
transition
1. Incurred wound, injury, or illness in the line of duty during a deployment in support
of the Armed Forces, on or after 11 September 2001;
2. Is disabled to a degree of 30% or more as a result of such wound, injury, or illness, as
determined by the Sec. Def.
3. Is reassigned in furtherance of medical treatment or rehabilitation, or due to
medical retirement in connection with such disability
4. Owned home at time of deployment where wounded, injured, or became ill.
b. Civilian Employees of the Department of Defense or US Coast Guard:
1. Was wounded, injured, or became ill in the performance of his or her duties during a
forward deployment occurring on or after 11 September 2001, in support of the
Armed Forces; and
2. Is reassigned in furtherance of medical treatment, rehabilitation, or due to medical
retirement resulting from the sustained disability.
3. Owned home at time of deployment where wound June 3, 2011Surviving Spouse:
a) Of service member killed in the line of duty, or in the performance of his or her
duties during a deployment on or after 11 September 2001, in support of the
Armed Forces or died from a wound, injury, or illness incurred in the line of duty
during such a deployment.
b) Relocate within two years of spouse’s death.
2) If you are a WT or SS, download the application packet and complete the application.
Carefully read all instructions, and mail your completed application to the USACE district
responsible for the area in which your home is. SS must include DD Form 1300 (Report of
Casualty) with application. Once DOD implementing guidance is received the district will
contact you concerning your eligibility and benefits.
EXPANDED HAP FOR BRAC 05 IMPACTED PERSONNEL (WHERE ANNOUNCEMENT DOES NOT CAUSE A MARKET
DECLINE) - MILITARY & CIVILIAN PERSONNEL
1. Military Personnel and Civilian Employees assigned to BRAC 05 organizations/installations.
2. Applicant must have been owner occupant on May 13, 2005, and the property must be sold
between July 1, 2006 and September 30, 2012.
3. If you are a BRAC 05 impacted homeowner, download the application packet and complete
the application. Carefully read all instructions, and mail your completed application to the
USACE district responsible for the area in which your home is located.
MEMBERS OF THE ARMED FORCES PERMANENTLY REASSIGNED DURING THE MORTGAGE CRISIS - MILITARY
PERSONNEL ONLY
1. Permanent reassignment to a new duty station or home port outside a 50-mile radius of the
member's former duty station or home port.
2. Reassignment ordered between 1 February 2006 and 30 September 2010.
3. Property purchased (or contract to purchase signed) before 1 July 2006.
4. Must have a decline of at least a 10% home value loss from the date of purchase to date of
sale.
5. Property was the primary residence of the owner.
6. Owner has not previously received these benefit payments.
7. If you are a member of the Armed Forces who is PCSing or has PCSed, download the
application packet and complete the application. Carefully read all instructions, and mail
your completed application to the USACE district responsible for the area in which your
home is.
Note: Red text reflects recent changes in PCS interim rule.
QUESTIONS AND ANSWERS
What Is the Homeowners Assistance Program?
The Homeowners Assistance Program, often referred to as “HAP,” is authorized in Section 1013
of the Demonstration Cities and Metropolitan Development Act of 1966, as amended.
This act (law) provides for some monetary relief for eligible federal personnel – both military
(including Coast Guard) and civilian faced with losses on the sale of their primary residence
when, "as a result of the actual or pending closing of such base or installation, in whole or in
part, or if as the result of such action and other similar action in the same area, there is no
present market for the sale of such property upon reasonable terms and conditions."
How does the Homeowners Assistance Program (HAP) work?
Generally, the HAP provides assistance in four possible ways. If you are eligible for HAP
benefits, the government may:
1. Reimburse you for part of your loss from selling your home
2. Assist you, if you don’t receive enough proceeds from the sale of your home to pay off
your mortgage
3. Buy your home by paying off the mortgage
4. Help you, if you default on your mortgage
Who is eligible for HAP?
The applicant must be a military member (including Coast Guard), federal civilian or Non-
Appropriated Fund employee assigned or employed at or near the Installation announced for
Closure or Realignment. They must have been assigned to the installation and be an owner and
occupant of the home on the announcement date.
Also eligible are personnel transferred or terminated within six months prior to the
announcement who were owner-occupants at the time of transfer; and
Civilian and military personnel on an overseas tour who transferred within 3 years prior
to the announcement and who are homeowners in the area; and
Civilian employee homeowners on an overseas tour with reemployment rights in the
area affected by the closure; and
A military member homeowner ordered into on post housing within 6 months prior to
the announcement.
In addition, applicants must be relocating beyond commuting distance from the area. If you
think you may be eligible, you should submit an application for a formal determination.
How do I apply for HAP benefits?
The application is made on DD Form 1607, application for Homeowners Assistance Program.
Part III, Section IV of the form must be completed by your personnel officer. In addition, you
must submit a variety of documents to show evidence of your ownership of the property, your
occupancy dates, your assignment orders, your efforts to sell the home (whether or not it was
sold), and mortgage details.
A complete application package can be obtained from either base/installation housing or
personnel offices, or it can be downloaded from our web site:
(http://www.hq.usace.army.mil/hap/). Before you make an application, we suggest you contact
the DOD HAP National Hotline at 1-888-DODHAP1 (888-363-4271).
Who makes the determination that we will have HAP?
The U.S. Army Corps of Engineers will analyze your community situation, conduct market
analyses, and make a recommendation to the Deputy Assistant Secretary of the Army for
Installations & Housing for a final determination.
If there is an announcement to realign or close your installation and market conditions indicate
that homes cannot be sold under reasonable terms and conditions, a HAP may be approved.
What happens if I can't sell my house?
The Government can acquire your house for the balance of any mortgage existing at the time of
announcement, or for 75% of the prior fair market value (whichever is higher). If the amount
you owe on your mortgage is less than the 75% of the prior market value, you can be paid the
difference.
The amount of payment you receive for your HAP benefits may have to be adjusted for taxes
and other liabilities, depending on the terms of the mortgage.
Many complicated situations will arise in individual cases as HAP is implemented. This brochure
is only provided to give you the basic facts. Your specific situation will have to be assessed for
eligibility and compensation by the real estate professionals administering the program in your
area or community.
After I apply, should I stop trying to sell my house?
A key part of the process is your continued effort to sell your house privately, at the best
possible price.
If your HAP application is approved and you meet all the eligibility requirements, you will be
paid an amount up to the difference between 95% of the Fair Market Value prior to the closure
announcement, and the appraised value at sale time.
Additionally, some of the costs for selling your home privately may be reimbursed to you.
Since HAP will not reimburse you for the total loss in value, it is to your advantage to sell at the
best price possible.
In Closing
HAP is an important program; we are committed to making it work with a minimum of delays.
We realize how important your home ownership and homes cannot be sold under reasonable
terms and your financial security are to you and your family, and will do our best to provide
timely and complete assistance.
What's necessary for HAP to be implemented in my community?
First - There has to be an announcement of a base closure or realignment action which affects
your community.
Second - A determination must be made that real estate values have dropped as a direct result
of the base closure or realignment announcement.
Many factors may affect the local price of real estate, but these two conditions must be met for
your community to be eligible for the Homeowners Assistance Program.
If these conditions are met, the local command submits a request to the Corps of Engineers for
approval and implementation of a HAP.
VA and FHA mortgages
If your mortgage is either VA Guaranteed or FHA Insured and you sell your house by an
assumption of the existing mortgage, we suggest you request a release of liability from either
VA or FHA, depending on the type of mortgage.
If your buyer is not acceptable to VA or FHA, you will not receive any HAP benefits until you
obtain a release of liability.
HAP Application Checklist
Once a Homeowners Assistance Program local project is established in your community, you
can apply to the Installation Housing Office or online. You must have the following items
prepared to submit with your application:
DD Form 1607, Application for Homeowners Assistance (Part 111 Section IV of this form
requires completion by your Personnel Officer)
The deed (copy) to your dwelling which evidences your ownership of the property
Transfer orders, or amendment orders. Send one (1) copy
Retirement orders or separation letter. Send one (1) copy. This will provide further
evidence of your relocation
Receipts from your utility company (or a signed and dated letter from your utility
company) which states that you occupied your house on the date of the base closure or
realignment announcement
HAP CONTACT INFORMATION
HAP National Assistance Hotline:
888-DODHAP1 (888-363-4271)
Email HAP at: dodhap1@usace.army.mil
HAP Offices
HAP Field Office, Savannah
P.O. Box 889
Savannah, GA 31402-0889
912-652-5563 / 800-861-8144 (www.sas.usace.army.mil)
(Serves eastern US & Europe)
HAP Field Office, Fort Worth
U.S. Army Engineer District, Fort Worth
P.O. Box 17300
Ft. Worth, TX 76102-0300
817-886-1216/ 888-231-7751 (www.swf.usace.army.mil)
(Serves central US)
HAP Field Office, Sacramento
U.S. Army Engineer District, Sacramento
1325 J Street
Sacramento, CA 95814-2922
916-557-6850 / 800-811-5532 (www.spk.usace.army.mil)
(Serves the western US & Pacific)
National Program
HQ, U.S. Army Corps of Engineers
DOD Homeowners Assistance Program
411 G Street, NW
Washington, DC 20314-1000
202-761-1566
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