States that were most affected by the foreclosure crisis are not using all of the money the federal government has set aside for struggling homeowners, according to a report by the Congressional Research Service.

The federal government provided $7.6 billion for the “Hardest Hit Fund” to help homeowners in states with high foreclosure rates. However, the states have only given out $3 billion to homeowners in need.

A total of 18 states and the District of Columbia have 66 programs that disperse money from the “Hardest Hit Fund,” which was a fund created immediately following the recession in efforts to help Americans keep their homes. The amount of money given to each state depends on numerous factors such as the impact the housing crisis has on the state and the number of people who are unemployed and underemployed.

The CRS report indicated that different states expended widely varying percentages of money from the fund — 21% in Alabama and 84% in Rhode Island. States that have been hit hardest by the housing crisis have given out the least amount of money. Florida distributed the lowest percentage with 26%, followed by Michigan (29%), Arizona (34%) and California (36%). As of October, Florida has the highest foreclosure rate in the country. Meanwhile, Rhode Island, Oregon and the District of Columbia distributed the highest percentage at approximately 70%.

Many blame the Treasury for failing to communicate the number of homeowners states should help. Last month, the Treasury altered some of the states’ programs. Arizona is now allowing homeowners to receive help that exceeds the $2,000-per-month cap, but the maximum assistance still cannot exceed $48,000. New Jersey reduced the maximum assistance rate to $24,000. South Carolina initiated a new program that gives $36,000 in principal reduction to homeowners when modifying a loan.