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Announcements and Updates

Texas Homeowner Assistance continues to review and update the program to better serve homeowners facing continued financial hardship associated with the COVID-19 pandemic. All changes will be posted here and in the program’s policy manual.

If you have questions, please contact our call center toll-free at 1-833-651-3874, Mon.-Fri. 8 a.m. to 6 p.m.

Utility Payments Program

Sept. 29, 2022

Eligible homeowners can get help paying past-due bills PLUS up to three (3) months of future payments for electricity, natural gas, metered and non-metered propane, water and wastewater services. If approved, payment will be made directly to the utility vendors in the form of one lump sum.

To qualify for utility payments, you must meet all of the original TXHAF program criteria AND:

  1. Homeowner is at least one installment payment in arrears on one or more of the following: utilities: electric, gas, propane, water and wastewater.
  2. Assistance sufficient to resolve the delinquency is not provided from other utility assistance programs and, without HAF assistance, the homeowner is likely to lose services.
  3. Utility bill must be within last 45 days within application date.

To Apply:

  1. Log into your existing account
  2. Navigate to the Case page in the Application portal
  3. Click the “Add New Case” link

Utility payments are included in the overall household assistance cap of $65,000.

Future Mortgage Payments Program

Aug. 23, 2022

In addition to assistance for past-due home loans, eligible homeowners can now also get up to three (3) months of future mortgage payments.

To qualify for future mortgage payments, you must meet all of the original TXHAF mortgage assistance program criteria AND EITHER:

  1. The ratio of the homeowner’s monthly mortgage payment to monthly household income (sometimes referred to as debt-to-income “HDTI” or “Front-End DTI”) is 0% or above 55%.
  2. The ratio of the homeowner’s HDTI exceeds 31% but is at or below 55% and the homeowner states that they cannot afford to continue their monthly mortgage payments.
  3. The homeowner must have a participating loan servicer in order for TXHAF to provide future monthly mortgage payments.

If you have a pending application for mortgage assistance:

  • If your household qualifies, TXHAF will confirm your loan details and final eligibility with your loan servicer.
  • If your application is approved, TXHAF will send a payment to your loan servicer for all past-due mortgage payments AND up to three (3) future monthly mortgage payments.
  • You will receive an email letting you know whether your application was approved or denied.

Future mortgage payments are included in the overall household assistance cap of $65,000.

 

Page Last Updated: May 19, 2023