Texas Homeowner Assistance Fund Program

Behind on your mortgage or related expenses?
The Texas Homeowner Assistance Fund Program (TXHAF) provides financial assistance to qualified Texas homeowners who have fallen behind on their mortgage and related expenses due to the COVID-19 pandemic.

TXHAF is administered by the Texas Department of Housing and Community Affairs (TDHCA) with funding provided by the Homeowner Assistance Fund under the American Rescue Plan Act of 2021.  

TXHAF provides eligible homeowners with grants to pay past due mortgage payments and property taxes, insurance, and HOA fees. 

Do I Qualify?

Texas homeowners may be eligible for assistance under TXHAF if they meet the following criteria:

Have fallen behind on one or more of the following payments:

  • Mortgage loans
  • Property taxes
  • Property insurance
  • HOA/condo association fees.

Have a household income at or below 100% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater

Own and occupy a home in Texas as a primary residence 

Experienced a qualified financial hardship after January 21, 2020, such as lost income or increased expenses due to the pandemic 

Additional program requirements will apply

Mortgage Program

  • Provides assistance to eligible Texas homeowners with qualified hardships to pay past due mortgage payments, including eligible amounts advanced by a mortgage servicer.
  • Maximum assistance of $40,000 per household.

Property Charge Default Program

  • Provides assistance to eligible Texas homeowners with qualified hardships to pay past due property taxes, property insurance and HOA or condo association fees.
  • Maximum assistance of $25,000 per household.

Application Process – What to Expect

Examples of Required Documents

  1. Homeowners will submit an application through the online portal.
  2. Resources will be available to assist homeowners with completing applications. See comprehensive help documents within the application system. For additional assistance, contact our Call Center at 1-833-651-3874.
  3. Applications are reviewed to determine whether the homeowner qualifies for program assistance.  Check the status of your application here.
  4. Payments are sent directly to the mortgage servicer or property charge payee (tax authority, insurance company, or HOA) once the homeowner's application is approved.
Video (English)
Video (English)

Video (Spanish)
  • Identification card, like a driver's license
  • Past Due Mortgage Statement, Property Tax Statement, Insurance Statement, and/or HOA Statement
  • Proof of occupancy, like a utility bill
  • Income documentation, like paystubs

For Information, Call Toll-Free:

1-833-651-3874 • Help is available in multiple languages.

Monday-Friday • 8 a.m. - 6 p.m. CST

View and print the Texas HAF program flyer. (En Espanol)