Texas Homeowners Assistance Fund : How do you qualify for the Texas Homeowner Assistance Fund?
TXHAF is the Texas Homeowner Assistance program, which provides financial assistance to Texas homeowners who have fallen behind on their mortgage or related payments due to the pandemic.
The TXHAF funds are issued as grants that homeowners do not need to repay. The payments are made directly to the mortgage servicer or applicable property charge payee.
How much assistance can I apply for?
Mortgage Program
- Provides assistance to eligible Texas homeowners with qualified hardships to pay past due mortgage payments and, in some cases, up to three (3) months of future payments, including eligible amounts advanced by a mortgage servicer.
- Maximum assistance of $65,000 per household.
Property Charges
- Provides assistance to eligible Texas homeowners with qualified hardships to pay past due property taxes, property insurance and past due mortgage statement, property tax statement, insurance statement, and/or homeowner/condo association fees.
- Maximum assistance of $65,000 per household.
Utility Payment Assistance
- Provides assistance to eligible Texas homeowners with qualified hardships to pay past due utility bills and up to three (3) months of prospective payments.
- 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).
- Eligible utilities include electricity, gas, propane, water, and wastewater.
What documents do homeowners need to provide?
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 pay stubs
- Signed program documents
- Document(s) noting a specific foreclosure sale date, when applicable
What can the TXHAF funds be used for?
TXHAF funds can help qualified homeowners catch up on late payments on their mortgage, property tax, property insurance, homeowner/condo association fees, and utilities. Some applicants may also be eligible for up to three (3) months of future mortgage payment assistance.
The TXHAF program currently does not cover expenses such as home repairs and does not cover home equity loans.
What types of properties are eligible for assistance?
- 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
- 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.
How many times can I apply for assistance?
Households can reapply for each of the following types of assistance by submitting a new application through the application portal, as long as the total amount of TXHAF assistance received does not exceed $65,000. Reapplying will require a new application and all documents must be resubmitted.
- Mortgage
- Property Tax
- Property Insurance
- Homeowner’s Association (HOA) Fees
- Electric
- Natural Gas
- Propane
- Water and Wastewater
Please note that priority will be given to new applicants who have not previously received aid from the Texas Homeowner Assistance program.
If you are reapplying and have received assistance before, your case will undergo review after all first-time applicants have been assisted. The case auditing team will initiate application reviews only if there are available funds after assisting first-time applicants. Currently, there is no estimated timeline for when these cases will be reviewed.
We strongly encourage all existing applicants to log in to the application portal weekly to check their case status and ensure that any outdated documents are promptly updated.
For assistance and questions, please contact the call center at 1-833-651-3874.
