What Is an HSA Loan?

Time Frame

HSA loans have a term of 15 years. During the first six months of an HSA loan, no interest accrues and no loan payments are due.


An HSA loan may not exceed the lesser of either $15,000 or 15 percent of the unpaid mortgage balance. The minimum amount of an HSA loan is $1,000.01.

Foreclosure and Bankruptcy

In order to qualify for an HSA loan, the borrower may not be involved in an open bankruptcy case and the mortgage must not have been foreclosed. Applicants for an HAS loan do, however, need to be at least two months past due on their mortgage.

Proof of Solution

HSA loans are only granted to borrowers who can provide evidence that they have resolved the financial issues that caused them to become delinquent.


In the event that a borrower sells a property, any outstanding HSA loan on that property must be paid in full.


HSA loans are, as the name implies, loans and do represent a legal obligation to repay the borrowed funds. Make sure you understand all of your loan obligations and financial position before entering into any loan agreement.