View the Texas Homeowner Assistance Program Dashboard

Texas Homeowner Assistance

Behind on home loan payments or related expenses?

Texas Homeowner Assistance is here to help.

Texas Homeowner Assistance provides financial assistance to qualified Texas homeowners who have fallen behind on their mortgage, utility payments, and related expenses due to the COVID-19 pandemic.

For Information About A Previously Submitted Application, Call Toll-Free:


Monday-Friday • 8:30 a.m. - 5:30 p.m. CST • Help is available in multiple languages.


The Texas Homeowner Assistance program is now closed. We will continue to make final payments for approved applications over the next several weeks. We are no longer accepting or processing appeals. We are currently in Phase 3 of the program closure process.

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.

Phase 1: Last Call for Applications
Submit your application as soon as possible if you still need assistance. Funding is limited.

Phase 2: Processing
Applications are prioritized and processed based on program guidelines. No new applications will be accepted.

Phase 3: Final Payments – CURRENT PHASE
The program stopped processing submitted applications, and will make final payments to approved applicants until funding runs out.

About Texas Homeowner Assistance

About Texas Homeowner Assistance

Homeowners are able to use this website to create an account and submit their application.

This program gives eligible homeowners grants to cover past due mortgage payments, property taxes, homeowner/condo association fees, past due utility payments, and up to three (3) months of prospective utility payments. Eligible utility payments include electricity, natural gas, metered and non-metered propane, water, and wastewater. The provided assistance must bring the homeowner’s account current and may include trash or other embedded expenses. The program is administered by the Texas Department of Housing and Community Affairs (TDHCA) with funding provided by the Homeowner Assistance Fund under the American Rescue Plan Act of 2021.

Texas homeowners may be eligible for assistance if they meet the following criteria:

Additional program requirements will apply.

Experienced a qualified financial hardship after January 21, 2020 and before April 10, 2023, such as lost income or increased expenses due to the pandemic.
Are behind on one or more of the following payments: mortgage loans, property taxes, property tax lenders, homeowner/condo association fees, or utility bills
Mortgages delinquent prior to January 1, 2019 are not eligible for assistance
Have a household income at or below 100% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater
Own and occupy a home in Texas as a primary residence

Mortgage Program

  • Provides assistance to eligible Texas homeowners with qualified hardships to pay past due mortgage payments.
  • Maximum assistance of $65,000 per household.

Property Charge Program

  • Provides assistance to eligible Texas homeowners with qualified hardships to pay past due property taxes, past due mortgage statement, property tax statement, and/or homeowner/condo association fees.
  • The Program provides up to the total program cap of $65,000 per eligible household.

Utility Payment Program

  • 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 electric, gas, metered and non-metered propane, water and wastewater and may include trash or other embedded expenses.

Application Process – What to Expect

  • Resources will be available to assist homeowners with completing applications. See comprehensive help documents within the application system. For additional assistance, contact our Call Center at 1-833-651-3874.
  • Applications are reviewed to determine whether the homeowner qualifies for program assistance. Check the status of your application here.
  • Payments are sent directly to the mortgage servicer or property charge payee (tax authority, insurance company, or homeowner/condo association) once the homeowner’s application is approved.

Examples of Required Documents

  • Identification card, like a driver’s license
  • Past due mortgage statement, property tax statement, insurance statement, and/or homeowner/condo association statement
  • Proof of occupancy, like a utility bill
  • Income documentation, like paystubs

To Report Fraud, Waste, and Abuse

All TDHCA employees and contractor employees have a responsibility to report waste, fraud and abuse within the agency. The public is also invited to share such concerns.

If you suspect fraud, waste or abuse please follow TDHCA’s guidelines for reporting.

Download our HAF 2024 Q1 Annual Report for the U.S. Department of Treasury

Download Report