Application Portal is now open for homeowners who qualify for the Pilot Phase.

Apply now if you are either a resident of Hidalgo County or your mortgage is serviced by HomeLoanServ

Assistance for Texas homeowners is on the way!

The Texas Homeowners 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 will provide eligible homeowners with grants to pay past due mortgage payments and property taxes, insurance, and HOA fees. 

TXHAF Program Coming Soon

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This new program is currently under development and is not yet open to the public for applications. 

A limited Pilot Phase is open for applicants who are: customers of the participating loan servicer, HomeLoanServ, or a resident of Hidalgo County, Texas. Please see our Pilot Phase for details. 

The full program will launch when TDHCA receives approval on its proposed plan from the U.S. Treasury Department, expected in early 2022.

Join the TDHCA email list  for program updates and announcements, including notification of the official launch date. 

Read the Draft TXHAF Plan on the Texas Department of Housing and Community Affairs website.

Once the program launches, 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 When the Full Program Launches

  1. Homeowners will submit an application through an online portal.
  2. Resources will be available to assist homeowners with completing applications.
  3. 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.

Examples of Required Documents  

  • Identification card, like a driver's license
  • Mortgage Statement
  • Proof of occupancy, like a utility bill
  • Income documentation, like paystubs

For Information, Call Toll-Free:

1-833-651-3874

Monday-Friday • 8 a.m. - 6 p.m. CST