Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities

Homeowner Mortgage Assistance is here!

Need help with past due mortgage, tax, insurance, or HOA payments? Apply online at TexasHomeownerAssistance.com

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 https://home.treasury.gov/system/files/136/HAF-Guidance.pdf.

The Texas Department of Housing and Community Affairs (TDHCA) will administer $842,214,006 under HAF.

This new mortgage assistance program is currently taking applications statewide as of 3/2/2022.

Join TDHCA email list for program announcements and to learn when the application portal opens.

Notice of Funding Availability (NOFA) for 2022 Texas Homeowner Assistance Fund Intake Centers, Housing Counseling Services, and Legal Services

The Texas Department of Housing and Community Affairs (TDHCA) has announced a NOFA making up to $30.5 million of Texas Homeowner Assistance Funds available to subrecipients to provide Intake Centers, Housing Counseling Services, and Legal Services. Interested organizations can apply to provide one, two, or all three of the possible service categories as further described in the NOFA.

Interested applicants must meet the requirements set forth in this NOFA and must submit a complete application. Applications will be reviewed and awarded on a first-come, first-served basis. TDHCA may elect to fund only one organization in a given geographic area. The NOFA and application are available on the TDHCA’s webpage at http://www.tdhca.state.tx.us/nofa.htm

TDHCA has officially opened the Homeowner Assistance Fund program.
TDHCA’s TXHAF plan has been approved by the US Treasury.

Steps you can take today

  1. Understand your mortgage
    Relief options are determined by your mortgage type.
  2. Contact your loan servicer to learn what is available to you and what documents you need.
    Even federally backed loans require the process of forbearance to start with your loan servicer, which is the company to which you submit your payment each month.
  3. Contact your closest Housing Counseling Agency for additional guidance and budgeting.

Guidance on forbearance comes at no cost to you!

More helpful sites: