If you’ve been laid off, there’s a good chance state government will pay your mortgage until you get back on your feet. But Kentucky and Indiana have spent only a fraction of $371 million the federal government awarded them last year to help struggling borrowers. Unemployed Kentuckians can get up to $25,000, while Hoosiers can receive up to $18,000, through the programs — called the Unemployment Bridge Program in Kentucky and the Hardest Hit Fund in Indiana. As of Sept. 30, Indiana had spent only $13.5 million of the $222 million it received, helping 1,069 homeowners, according to the state’s most recent quarterly report filed with the U.S. Treasury Department. Kentucky had spent $27 million of its $149 million, benefiting 2,379 homeowners.