Frequently Asked Questions
Please review our most frequently asked questions for common questions and answers about our Texas HAF program.
TX HAF is the Texas Homeowner Assistance Fund program that provides financial assistance to Texas homeowners who have fallen behind on their mortgage or related payments due to the pandemic.
Texas homeowners may be eligible for assistance under TXHAF if they meet the following:
- Have fallen behind on one or more payments: mortgage, property tax, property insurance, HOA/condo association fees.
- 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 their home in Texas as their primary residence
- Household experienced a qualified financial hardship after January 21, 2020, such as lost income or increased expenses due to the pandemic
Below are examples of documents that homeowners are required to submit with the application:
- Identification card
- Mortgage Statement
- Proof of Occupancy, such as a utility bill
- Income documentation, such as paystubs
- Signed program documents
- Will provide assistance to eligible Texas homeowners with qualified hardships to catch up on mortgage payments, including eligible amounts advanced by the mortgage servicer.
- Maximum assistance of $40,000 per household.
Property Charge Default Program
- Will provide assistance to eligible Texas homeowners with qualified hardships to catch up on property tax, property insurance and HOA or condo association fees.
- Maximum assistance of $25,000 per household.
Frequently, a mortgage servicer will collect property tax and insurance payments from the homeowner and maintain them in an “impound” or “escrow” account. An “escrow advance” happens when the mortgage servicer pays additional funds on behalf of the homeowner when there are insufficient funds in the escrow account to satisfy the payment.
If eligible for program assistance, escrow advances would be paid to the servicer under the Mortgage Program—and not the Property Charge Program.
TXHAF funds can be used to help qualified homeowners catch up on late payments on their mortgage, property tax, property insurance, and HOA or condo fees.
The TXHAF program currently does not cover expenses such as home repairs, utility bills, and future mortgage payments.
The TXHAF funds are issued in the form of grants that homeowners do not need to repay. The payments are made directly to the mortgage servicer or applicable property charge payee to bring the homeowner current on their payments.
Once a homeowner’s application is approved, payment is sent directly to the mortgage servicer, property tax authority, insurance company, or HOA/condo association.
Payment is made by either ACH/ direct deposit or check.
No. In order to be eligible for assistance, the homeowner must currently occupy the home as their primary residence.
- Single-family (attached or detached) property;
- Condominium unit;
- 1 to 4-unit property where homeowner lives in a unit as their primary residence;
- Manufactured home permanently affixed to real property and taxed as real estate; or
- Mobile home not permanently affixed to real property
For any of the above property types, the original principal balance of the mortgage must not be more than the conforming loan limit.
Homeowners can appoint a representative to submit the online application on their behalf.
Intake centers and housing counselor referrals will be made available in the coming weeks. This website will be updated with details. Please visit our resources page for additional resources.
If you believe that your application was denied in error, you may submit an appeal within 30 days by logging into the portal. Appeal requests must include additional facts or evidence to show why your case should be reconsidered.
After you submit your application, it will be carefully reviewed to see if it meets program eligibility requirements. Mortgage details will be confirmed with your mortgage servicer. If any documents or information is missing from your application, you will be contacted and asked to provide it. Once your application review is completed, you will be notified whether you qualify for program assistance. Application review times can vary. Homeowners can log into the portal at any time to check the status of their applications.
No. Program assistance is only available to help homeowners catch up on late payments.
No. Under the current program plan, future mortgage payment assistance is not available.
Homeowners are encouraged to work with their mortgage servicer or housing counselor to explore eligibility for other programs. See our resources page for a list of resources.
If you qualify for the program and you can continue making your monthly mortgage payments after receiving program assistance, then the program will provide funding to “Reinstate” your mortgage. “Reinstate” means pay the total amount past due.
If you qualify for the program and you can’t afford to continue making your monthly mortgage payments after receiving program assistance, then the program may seek to work with the loan servicer to make a financial contribution towards a “Loan Modification.” Please refer to the Policy Manual for details about the Loan Modification with HAF Contribution Program. A “Loan Modification” is a change made by the loan servicer to the terms of a homeowner’s existing mortgage (e.g., to reduce the monthly payment by reducing the interest rate or extending the term). If you cannot afford to continue making your monthly mortgage payments, you are encouraged to contact a housing counselor and/or your loan servicer to explore available options.
“Forbearance” is when your mortgage servicer allows you to pause or reduce your mortgage payments for a period of time. Homeowners who are in forbearance are encouraged to contact their loan servicers to explore options to exit forbearance. Homeowners who are exiting forbearance are eligible for TXHAF assistance.