; and (B) the unpaid principal balance of which was, at the time of origination, not more than the conforming loan limit. (4) Secretary The term Secretary means the Secretary of the Treasury. (5) State The term State means any State of the United States, the District of Columbia, any territory of the United States, the Commonwealth of Puerto Rico, Guam, American Samoa, the Virgin Islands, and the Northern Mariana Islands. (b) Establishment of fund There is established at the Department of the Treasury a Housing Assistance Fund to provide such funds as are appropriated in subsection (f) to State housing finance agencies and any entity named under subsection (j) for the purpose of preventing homeowner mortgage defaults, foreclosures, and displacements of individuals and families experiencing financial hardship after January 21, 2020. (c) Allocation of funds (1) In general The Secretary shall establish such criteria as are necessary to allocate the funds available within the Housing Assistance Fund to each State. The Secretary shall allocate such funds among all States taking into consideration the number of unemployment claims within a State relative to the nation-wide number of unemployment claims. (2) Small state minimum Each State of the United States, the District of Columbia, and the Commonwealth of Puerto Rico shall receive no less than $250,000,000 for the purposes established in (b). (3) Territory set-aside Notwithstanding any other provision of this section, of the amounts appropriated under subsection (f), the Secretary shall reserve $200,000,000 to be disbursed to Guam, American Samoa, the Virgin Islands, and the Northern Mariana Islands based on each such territory’s share of the combined total population of all such territories, as determined by the Secretary. For the purposes of this paragraph, population shall be determined based on the most recent year for which data are available from the United States Census Bureau. (4) Tribal set-aside The Secretary shall allocate funds to an entity designated