The Tennessee Homeowner Assistance Fund (TNHAF) program, managed by the Tennessee Housing Development Agency (THDA), offered a critical lifeline by providing up to $40,000 in free financial assistance to eligible homeowners who were delinquent on their mortgage or other housing-related expenses due to a COVID-19-related hardship. This non-repayable funding was designed to prevent foreclosures, helping low- and moderate-income Tennesseans bring their accounts current and protect their homes during unprecedented financial strain.