First and most importantly, Thank You for serving in the armed forces of the United States of America! No matter what your job in the military is, your service in the war on terrorism is invaluable. You are vitally important to winning this war.

Military Housing Assistance Fund (MHAF) was created for you. Our funds are here to assist you in owning your own home. True gifts, that never need be paid back, are available to active duty military, guard, and reserve personnel.

We are currently offering this program in all 50 states.

Contact us for more details

Military Housing Assistance : FAQ

How can I obtain a gift from MHAF?
A military service man or woman who would like to be a homebuyer need only qualify for a mortgage loan. Unlike most gifts, ours is a true gift that never needs to be repaid by you, the builder, or the seller. Also there is no administrative fee whatsoever charged for using our gift program. You will work with our approved Realtors©and mortgage lenders that are trained to help you in either of our programs.

It’s really that simple!

Does the closing costs gift come from either the builder or the home seller?
No, your gift does not come from the builder or seller. Your gift is donated by patriotic companies and individuals that want to show their appreciation to our military.
Is there a limit to the price of the home I can purchase?
Yes. The maximum amount of the purchase price for a home is the price level set by Veteran’s Administration (VA) for the area in which you are purchasing a home.
What about my credit? I’ve got a Foreclosure/Bankruptcy/Short Sale on my record. Will I still be able to buy a home right now?
Eventually Yes. Now- Maybe. All the various programs have waiting periods after any of these major setbacks. They can vary from one year to four years or even more. Here’s a breakdown of all the various loan types and how they address these situations. Regardless of the situation though, it is important that you start to rebuild credit after a major incident. A good start is with secured credit cards. Make sure that the one you are looking at has low fees and reports to all three credit bureaus. Keep your balance below 30% of the limit to maximize your FICO score
Do my BAH and BAS count as income?
They certainly do! In fact, even better, because they are non-taxable income, many lenders will “gross up” your BAH and BAS (count it at a higher taxable equivalent), which increases your buying power. Other line items on your LES are considered on a case-by-case basis; both on the pay side, and the allotment side.
I’m going to school on the GI Bill. Does my BAH count as income?
For active duty military, BAH and BAS certainly are considered part of your income; even better actually, as explained above. However, once you separate, and are receiving BAH as part of your GI Bill benefits, lenders consider that to be a temporary education benefit and therefore will not count it as income. It will however help a loan application that is “on the bubble” by virtue of being a positive compensating factor.
With your gift program, what are my out of pocket costs?
In most cases, but not all, your out of pocket costs are usually limited to the earnest money that you pay when you submit your offer to purchase real estate and your inspection fees for that property. Our plan is to keep your out of pocket expenses to a minimum. Our agent will negotiate concessions from the seller to help pay a portion of your closing costs and the grant from MHAF will help take care of the rest. Our gift program helps you with all of the other closing costs associated with purchasing your dream home, and ours is a true gift that never needs to be repaid.
What happens to the gift if the purchase of the home does not close?
Should the transaction not close for any reason, which would be very unusual; all gift funds must be returned to MHAF for use by other military home buyers.

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As a fund of Virtual Sports Academy, your donations will directly go to benefit EHHAF’s mission to help community heroes and their families purchase homes.