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Texas Homeowners Assistance Fund Program


The Texas Homeowners Assistance Fund Program (TXHAF) helps homeowners pay their mortgage and related expenses, such as back taxes, insurance, HOA fees, and condo association fees.

What is the Texas Homeowners Assistance Fund Program?

The TXHAF can help those behind on their mortgage payments due to COVID-19-related hardships. It can also help pay past-due property taxes, insurance payments, HOA fees, and condo association fees. The Texas Department of Housing and Community Affairs administers the program.

How much assistance is available?

Homeowners can apply for up to $65,000 per household to help with past-due mortgage payments and of the maximum $65,000 available, up to $25,000 can be used for property charge defaults (unpaid property taxes, property insurance, HOA fees, and condo fees).

Also, of the maximum $65,000 available per household, up to $10,000 can be used for utility assistance (inclusive of past due balance and prospective assistance).

How does one qualify?

Meet the following:

  • Be behind on payments
  • Have household income at or below the United States median income or the Area Median Income where you live, whichever is greater. This starts at $90,000, but can be more depending on location and family size. The TXHAF website has a calculator that can tell you the qualifying amount in your area.
  • Live in Texas
  • Have experienced financial hardship after January 21, 2020, due to COVID-19
  • Meet any additional program requirements, such as providing proof of your bills, income, and Texas residency.

What if I have already gotten help with my mortgage or bills from another source?

There have been a number of assistance programs since the pandemic began. Your participation in those programs will not bar you from taking part in TXHAF. 

So long as you can show you currently owe mortgage payments or fees, TXHAF may be able to help you. However, if you get paid twice for the same amount owed, you may need to repay the excess funds.

Learn more and apply

Visit the TXHAF website to learn more and apply.

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