Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities

Homeowner Mortgage Assistance is on the way!

The Homeowner Assistance Fund (HAF) was established under the American Rescue Plan Act of 2021 to ease financial hardships associated with the COVID-19 pandemic.

HAF will provide assistance to eligible homeowners to help avoid mortgage delinquencies, defaults, foreclosures, and help prevent the displacement of homeowners experiencing financial hardship after January 21, 2020. The U.S. Department of the Treasury (Treasury) has posted guidance on HAF at https://home.treasury.gov/system/files/136/HAF-Guidance.pdf.

The Texas Department of Housing and Community Affairs (TDHCA) will administer $842,214,006 under HAF.

This new mortgage assistance program is currently under development and is not yet taking applications.

Join TDHCA email list for program announcements and to learn when the application portal opens.

TDHCA has submitted TXHAF plan to US Treasury and is pending approval.
TDHCA has submitted TXHAF plan to US Treasury and is pending approval.

Steps you can take today

  1. Understand your mortgage
    Relief options are determined by your mortgage type.
  2. Contact your loan servicer to learn what is available to you and what documents you need.
    Even federally backed loans require the process of forbearance to start with your loan servicer, which is the company to which you submit your payment each month.
  3. Contact your closest Housing Counseling Agency for additional guidance and budgeting.

Guidance on forbearance comes at no cost to you!

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