Requests for assistance have now exceeded available Texas Homeowner Assistance funds, and the program is no longer accepting new applications.

If you are a veteran homeowner with a VA loan and facing foreclosure or struggling with making mortgage payments, please visit or call 877-827-3702.

For Information About A Previously Submitted Application, Call Toll-Free: 1-833-651-3874

The Homeowner Assistance Fund (HAF) was established under the American Rescue Plan Act of 2021 to ease financial hardships associated with the COVID-19 pandemic. HAF provides assistance to eligible homeowners to help avoid mortgage delinquencies, defaults, foreclosures, and help prevent the displacement of homeowners experiencing financial hardship after January 21, 2020. The U.S. Department of the Treasury (Treasury) has posted guidance on HAF at

The Texas Department of Housing and Community Affairs (TDHCA) will administer $842,214,006 under HAF, to assist homeowners with past due mortgage, tax, insurance, HOA payments and/or utilities.

Eligibility for the TX-HAF program is based on a variety of factors.

  • The household gross income (total income before deductions, taxes, health care costs, social security, etc.) must not be more than 100 percent of the area median income (AMI) for the county in which the property is located or 100% US Median Income; and
  • the property must be located within the state of Texas; and
  • the assistance applicant must be the owner of the property; and
  • there must be a delinquent eligible expense; and
  • there must be a Covid-19 related eligible financial hardship (loss of income or increase in expenses).

Eligible Property Types:

  • Owner Occupied, Primary Residences. No Second Homes.
  • Single Family Residences, One to Four Unit Dwellings, Condos, Manufactured Homes, and Townhomes.

Assistance Types:

1. Mortgage Reinstatement Assistance

  • Assistance up to $40,000 for delinquencies
  • Eliminate past due payments and other delinquent amounts, including payments under a forbearance plan, on forward mortgages, reverse mortgages, loans secured by manufactured homes, or contracts for deed.

2. Property Charge Assistance

  • Assistance up to $25,000.
  • Covers property taxes, HOA fees, insurance, and common charges that threaten ownership

If you qualify, click here to apply for program assistance

$65,000 Max Assistance Amount provided as a grant includes:

  • up to $40,000 in mortgage assistance, plus
  • up to $25,000 in property charges assistance.
Monday: 8:00 AM - 6:00 PM
Tuesday: 8:00 AM - 6:00 PM
Wednesday: 8:00 AM - 6:00 PM
Thursday: 8:00 AM - 6:00 PM
Friday: 8:00 AM - 6:00 PM
Saturday: CLOSED
Sunday: CLOSED

Updated within the last 2 months.