TDHCA Programs Overview

Most of the Department’s funds are administered to local residents in need through partnerships with:
- Cities and counties that receive no direct allocation of federal housing dollars (Non-Participating Jurisdictions)
- Nonprofit and community-based organizations
- Private developers
- Public Housing Authorities
If you or someone you know is in need of assistance, please visit Help for Texans. Temporary programs established specifically to assist households affected by the pandemic are also available through Help for Texans or you can read about these pandemic programs at TDHCA’s Pandemic Help for Texans Page.
Homebuyer Assistance
Homebuyer Assistance with New Construction or Rehabilitation (HANC)
Eligible Activities: |
Acquisition, new construction or rehabilitation of single family housing unit or replacement of manufactured housing unit for owner-occupancy |
Eligible Applicants: |
Units of local government, public housing authorities and nonprofit organizations |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (NOFA) |
Program Availability: |
Statewide |
Beneficiaries: |
Households earning up to 80% AMFI |
Consumer Help: |
Visit Help for Texans and select the “Buying a Home” option for local providers |
Texas Bootstrap Loan Program
Eligible Activities: |
Development of single family housing through “sweat equity” in which owner-builders provide at least 65 percent of the labor required to construct or rehabilitate the home. |
Eligible Applicants: |
State-certified “Nonprofit Owner-Builder Housing Providers”, such as Colonia Self-Help Centers and eligible nonprofit organizations, who run self-help construction programs. |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (NOFA) |
Program Availability: |
Two-thirds of funds are set-aside for owner-builders with property in census tracts with median household incomes not exceeding 75 percent of the state median income. The remaining one-third of the funds are available statewide. Offered via Reservation System. |
Beneficiaries: |
Households earning up to 60 percent area median family income (AMFI) |
Consumer Help: |
Please call 512-936-9988 |
My First Texas Home (MFTH)
Eligible Activities: |
Mortgage loans at fixed interest rates and down payment and/or closing cost assistance to qualifying veterans and first time homebuyers or households who have not owned a home in the previous three years. Homebuyers may combine TDHCA homebuyer and mortgage credit programs for maximum benefit. |
Eligible Applicants: |
Qualifying homebuyers through participating lenders |
Program Availability: |
Statewide through participating lenders |
Beneficiaries: |
Homebuyers earning up to 115 percent area median family income (AMFI); up to 140 percent (AMFI) in targeted areas of the state |
Consumer Help: |
Call 512-475-2120, toll free 800-792-1119 or visit www.TheTexasHomebuyerProgram.com
|
My Choice Texas Home (MCTH)
Eligible Activities: |
Mortgage loans at fixed interest rates and down payment and/or closing cost assistance to qualifying homebuyers. Homebuyers may combine TDHCA homebuyer and mortgage credit programs for maximum benefit. |
Eligible Applicants: |
Qualifying homebuyers |
Program Availability: |
Statewide through participating lenders |
Beneficiaries: |
Homebuyers earning up to 115% AMFI; up to 140% AMFI in targeted areas of the state |
Contact |
Call 512-475-2120, toll free 800-792-1119, email txhomebuyer@tdhca.state.tx.us or visit www.TheTexasHomebuyerProgram.com |
Texas Mortgage Credit Certificate (TX MCC)
Eligible Activities: |
Tax credits based on the annual interest paid on a mortgage loan to qualifying veterans and first time homebuyers or households who have not owned a home in the previous three years. Homebuyers may combine mortgage credit and TDHCA homebuyer programs for maximum benefit. |
Eligible Applicants: |
Qualifying homebuyers through a network of participating lenders |
Program Availability: |
Statewide through participating lenders |
Beneficiaries: |
Homebuyers earning up to 115 percent (AMFI); up to 140 percent area median family income (AMFI) in targeted areas of the state |
Consumer Help: |
Call 512-475-2120, toll free 800-792-1119 or visit www.TheTexasHomebuyerProgram.com
|
Texas Statewide Homebuyer Education Program (TSHEP)
Texas Statewide Homebuyer Education Program (TSHEP) is designed to work with local nonprofit organizations to teach the principles and applications of comprehensive pre- and post purchase homebuyer education, and to certify participants as homebuyer education providers.
For more information call 512-475-2120, toll free 800-792-1119; txhomebuyer@tdhca.state.tx.us or visit www.TheTexasHomebuyerProgram.com.
Texas Homebuyer U (TX HBU)
Eligible Activities: |
Free online pre- and post-purchase tutorial, mortgage credit certificate introduction courses to satisfy TDHCA’s first time homebuyer program education requirement |
Program Availability: |
Statewide through free, online access |
Beneficiaries: |
Texas homebuyers |
Consumer Help: |
Call 512-475-2120, toll free 800-792-1119; txhomebuyer@tdhca.state.tx.us or visit www.TheTexasHomebuyerProgram.com.
|
Home Affordability: Energy Efficiency
Comprehensive Energy Assistance Program (CEAP)
Eligible Activities: |
Utility bill payment assistance, consumer education to help low-income households manage their energy consumption |
Eligible Applicants: |
Services are contracted through a network of eligible nonprofit organizations or city and county governments |
Funding Access: |
Funding is administered through contracts with eligible organizations unless otherwise announced. |
Program Availability: |
Statewide |
Beneficiaries: |
Tenants and homeowners earning up to 150 percent of US Department of Health and Human Services’ (HHS) Federal Poverty Income Guidelines |
Consumer Help: |
For local provider(s):
|
Weatherization Assistance Program (WAP)
Eligible Activities: |
Installation of weatherization material and minor home repairs designed to make a home more energy efficient |
Eligible Applicants: |
Services are contracted through a network of eligible nonprofit organizations or city and county governments |
Funding Access: |
Funding is administered through contracts with eligible organizations unless otherwise announced. |
Program Availability: |
Statewide |
Beneficiaries: |
Tenants and homeowners earning up to 200 percent of US Department of Health and Human Services’ (“HHS”) Federal Poverty Income Guidelines |
Consumer Help: |
For local provider(s):
|
Home Repair
Amy Young Barrier Removal (AYBR) Program
Eligible Activities: | Grant funds for accessibility modifications in renter- and owner-occupied housing; helps eliminate life-threatening hazards and correct unsafe conditions. |
Eligible Applicants: |
Units of general local government, Councils of Government, eligible nonprofit organizations, local mental health authorities, and Public Housing Authorities |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (“NOFA”) |
Program Availability: |
Statewide via Reservation System |
Beneficiaries: |
Persons with disabilities earning up to 80 percent area median family income (“AMFI”) |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Show only Home Modification for Accessibility providers” box under the “Home Repair” option
|
Homeowner Reconstruction Assistance (HRA) Program
Eligible Activities: |
Reconstruction of substandard stick built homes or replacement of manufactured housing units owned and occupied by qualified homeowners |
Eligible Applicants: |
Units of local government, Public Housing Authorities, and nonprofit organizations |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (“NOFA”) |
Program Availability: |
Statewide via Reservation System and Contract Award |
Beneficiaries: |
Homeowners earning up to 80 percent area median family income (“AMFI”) |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Home Repair” option
|
Single Family Development
Colonia Self-Help Centers (SHC)
Eligible Activities: |
Housing rehabilitation, reconstruction and new construction, and public services such as financial literacy and technology access. |
Eligible Applicants: |
Services are contracted through eligible local nonprofit organizations, units of local government, local public housing authorities, and community action agencies serving designated counties along the Texas-Mexico border |
Funding Access: |
Funding is administered through contracts with eligible entities unless otherwise announced. |
Program Availability: |
Designated colonias in El Paso, Maverick, Val Verde, Webb, Starr, Hidalgo and Cameron/Willacy counties |
Beneficiaries: |
Colonia residents earning up to 80 percent area median family income (“AMFI”) |
Consumer Help: |
Visit Colonia Self-Help Center Contacts page for local self help centers. |
Contract for Deed Conversion Program (CFD)
Eligible Activities: |
Refinance of contracts for deed. Funding also available for housing reconstruction. |
Eligible Applicants: |
Units of local government, Public Housing Authorities, and nonprofit organizations |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (“NOFA”) |
Program Availability: |
Statewide via a Reservation System |
Beneficiaries: |
Colonia residents earning up to 60 percent area median family income (“AMFI”) are targeted populations; may be available to contract for deed holders earning up to 80% AMFI or residing outside of colonias dependent on funding availability |
Consumer Help: |
Please contact TDHCA’s Home Division at home@tdhca.state.tx.us or call 512-475-2975 |
Single Family Development for Community Housing Development Organizations (CHDO)
Eligible Activities: |
Development or rehabilitation of affordable single family housing for homeownership |
Eligible Applicants: |
Nonprofit organizations approved as Community Housing Development Organizations (“CHDOs”) |
Beneficiaries: |
Households earning up to 80 percent area median family income (“AMFI”) |
Program Availability: |
Statewide via Reservation System |
Consumer Help: |
Please contact TDHCA’s Home Division at home@tdhca.state.tx.us or call 512-475-2975 |
Rental Housing Development
Housing Tax Credit (HTC) Program
Eligible Activities: |
Tax credits used to offset federal tax liability are syndicated by a developer to generate capital used in exchange for the development of affordable rental properties or the rehabilitation of existing properties to maintain affordable rents for an extended period of time. |
Eligible Applicants: |
Public and private for-profit and nonprofit developers |
Funding Access: |
See TDHCA’s Multifamily Finance Division’s “Apply for Funds” page for funding details. |
Program Availability: |
Statewide |
Beneficiaries: |
Tenants earning up to 80 percent area median family income (“AMFI”) |
Consumer Help: |
Find reduced rent housing using TDHCA’s Vacancy Clearinghouse of TDHCA-funded properties |
Multifamily Mortgage Revenue Bond (MRB) Program
Eligible Activities: |
Low-interest loans to help finance the development of affordable rental properties or the rehabilitation of existing properties to maintain affordable rents for an extended period of time |
Eligible Applicants: |
Public and private for-profit and nonprofit developers |
Funding Access: |
See TDHCA’s Multifamily Finance Division’s “Apply for Funds” page for funding details. |
Program Availability: |
Statewide |
Beneficiaries: |
Tenants earning up to 60 percent area median family income (“AMFI”) |
Consumer Help: |
Find reduced rent housing using TDHCA’s Vacancy Clearinghouse of TDHCA-funded properties |
Multifamily Direct Loan (MDL) Program
Eligible Activities: |
New construction, demolition and reconstruction, or acquisition and rehabilitation of affordable multifamily rental housing. (This program was previously administered as the “Multifamily (Rental Housing) Development (MFD) Program (HOME). |
Funding Access: |
See TDHCA’s Multifamily Finance Division’s “Apply for Funds” page for funding details. |
Program Availability: |
Statewide |
Beneficiaries: |
Tenants earning up to 80 percent area median family income (“AMFI”) |
Consumer Help: |
Find reduced rent housing using TDHCA’s Vacancy Clearinghouse of TDHCA-funded properties |
Multifamily Development Program - General Set-Aside
Eligible Applicants: |
Eligible nonprofit organizations, Public Housing Authorities, and for-profit entities |
Multifamily Development Program - CHDO Set-Aside
Eligible Applicants: |
Nonprofit organizations approved as Community Housing Development Organizations (CHDOs) |
Rent Payment Assistance
CDBG CARES Rental Assistance Program
Eligible Activities: |
Rental assistance for up to 6 months, including up to 5 months of arrears |
Eligible Applicants: |
Units of general local government and nonprofit organizations |
Funding Access: |
TDHCA will make the funds available to eligible jurisdictions or entities through direct awards and through a competitive process |
Program Availability: |
Statewide |
Beneficiaries: |
Renters earning up to 80 percent area median family income (AMFI) |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Rent Help” option
|
Project Access (Voucher) Program
Eligible Activities: |
Rental assistance for qualifying persons with disabilities transitioning from institutions into the community |
Eligible Applicants: |
Rental housing assistance provided directly through TDHCA on a first-come, first-served basis |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (NOFA) |
Program Availability: |
Statewide |
Beneficiaries: |
Individuals earning up to 50 percent area median family income (AMFI) |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Rent Help” option
|
Section 811 Project Rental Assistance (Section 811 PRA) Program
Eligible Activities: |
Project-based rental assistance for persons with disabilities linked with long term services |
Eligible Applicants: |
Multifamily developers who own or manage eligible properties in participating Metropolitan Statistical Areas. |
Program Availability: |
Select counties across the state |
Beneficiaries: |
People with disabilities, including people living in existing institutions, people with serious mental illness who are eligible for services from their Local Mental Health Authority or Local Behavioral Health Authority, and youth and young adults exiting foster care who are receiving services through one of the Texas Health and Human Services Commission agencies participating in the program. |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Rent Help” option
|
Housing Choice Voucher Program (Section 8)
Eligible Activities: |
Rental assistance to low income individuals and families, including seniors and persons with disabilities |
Eligible Applicants: |
Rental housing assistance provided directly through TDHCA and through local contract agencies |
Program Availability: |
Local areas where there is no housing authority implementing the Section 8 program |
Beneficiaries: |
Tenants earning up to 50 percent area median family income (“AMFI”) |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Rent Help” option
|
Tenant Based Rental Assistance (TBRA) Program
Eligible Activities: |
Rental subsidies for up to 60 months, may include security and utility deposit, while the household engages in a self-sufficiency program |
Eligible Applicants: |
Units of general local government, Public Housing Authorities, and nonprofit organizations |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (NOFA) |
Program Availability: |
Statewide via Reservation System and Contract Award |
Beneficiaries: |
Renters earning up to 80 percent area median family income (AMFI) |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Rent Help” option
|
Poverty and Homelessness Prevention
Community Services Block Grant Program (CSBG)
Eligible Activities: |
Supports local, community-based efforts to provide child care, health services, transportation, job training and employment services, housing, substance abuse prevention, and other essential services to help transition individuals out of poverty |
Eligible Applicants: |
Entities designated by the Governor as eligible entities |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (NOFA) |
Program Availability: |
Statewide |
Beneficiaries: |
Individuals at or below 125 percent of US Department of Health and Human Services’ (“HHS”) Federal Poverty Income Guidelines |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Emergency & Homeless Services” option
|
Community Services Block Grant Program - State Discretionary
Eligible Activities: |
Nonprofits and units of local government |
Eligible Applicants: |
Supports efforts to improve service outcomes for designated special needs groups, such as homeless persons, persons with disabilities, rural communities, or colonias. May also fund statewide projects to provide training and technical assistance to service providers. |
Emergency Solutions Grants (ESG) Program
Eligible Activities: |
Rapid re-housing assistance to provide housing for individuals and families experiencing homelessness, homelessness prevention assistance to help individuals and families avoid becoming homeless, provision of essential services related to emergency shelters and street outreach for persons experiencing homelessness, and rehabilitation or conversion and operation of a building for use as an emergency shelter. |
Eligible Applicants: |
City and county governments, eligible private nonprofit organizations |
Funding Access: |
Eligible applicants may apply for funding to administer program activities through a Notice of Funding Availability (NOFA) |
Program Availability: |
Statewide |
Beneficiaries: |
Persons experiencing homelessness or at risk of homelessness (homeless prevention for those below the US Department of Housing and Urban Development’s (HUD) 30 percent area median family income (AMFI) |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Emergency & Homeless Services” option
|
Homeless Housing and Services Program (HHSP)
Eligible Activities: |
Services and housing activities, including rental assistance, construction and rehabilitation, to prevent and eliminate homelessness. |
Eligible Applicants: |
See Program Availability below |
Funding Access: |
Funds are allocated per State Legislation |
Program Availability: |
Cities in Texas with populations larger than 285,500 persons Arlington, Austin, Corpus Christi, Dallas, El Paso, Fort Worth, Houston, Plano, San Antonio |
Beneficiaries: |
Persons experiencing or at risk of homelessness. |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Emergency & Homeless Services” option
|
Ending Homelessness Fund
Eligible Activities: |
Enhance the number and quality of emergency shelters, prevent homelessness, encourage self-sufficiency and help the homeless secure stable housing. |
Eligible Applicants: |
Eligible city and county governments |
Funding Access: |
Administered through TDHCA’s Emergency Solutions Grant (ESG) Program and Homeless Housing and Services Program (HHSP) |
Program Availability: |
Statewide |
Beneficiaries: |
Persons experiencing or those at risk of homelessness. |
Consumer Help: |
For local provider(s), visit Help for Texans and select the “Emergency & Homeless Services” option
|