Texas Homeowner Assistance Fund Program (TXHAF)

File revision: February 10, 2022

Property Charge Assistance

The TX-HAF Program is administered by the Texas Department of Housing and Community Affairs. The

Homeowner Assistance Fund was established by the American Rescue Plan to help homeowners who have

fallen behind on their mortgage payments or property charges because of hardships related to the COVID-19

pandemic.

The Property Charge Program provides up to $25,000 per eligible household to resolve any property charge default

that threatens a homeowner’s ability to sustain property ownership, whether concurrently with other loss mitigation

options offered by the loan servicer or in conjunction with other assistance programs.

Assistance

♦ HAF assistance may be used to pay past-due (1)

property taxes, (2) insurance premiums, and (3)

HOA fees, condominium fees, cooperative

maintenance or common charges that threaten

sustained ownership of the property. This includes

past-due amounts prior to January 2020.

Delinquencies must be brought current by program

assistance or resolved concurrently with the program

providing assistance.

♦ Funds may also be used to pay property charges

coming due in the 90 days following program

approval, when the homeowner is eligible because

of other delinquent charges.

♦ Delinquency & Documentation. The homeowner

must provide documentation such as a past-due bill

for each qualified property charge including:

• Property taxes

• Insurance: homeowner’s, mortgage, hazard,

flood, and wind premiums

• HOA fees and liens, condominium fees and

liens, cooperative maintenance, or common

charges

♦ Delinquencies Prior to 2020. Delinquencies from

before 2020 are eligible, if the homeowner’s

delinquency began prior to 2020 and continued, and if

the homeowner is eligible for the program.

Eligibility

♦ The household gross income must not be more than

100 percent of the area median income (AMI) for the

county in which the property is located or 100% US

Median Income. -and-

♦ The property must be owner occupied and located

within the state of Texas. -and-

♦ There must be a delinquent eligible expense. -and-

♦ There must be a Covid-19 related eligible financial

hardship (loss of income or increase in expenses

Apply

If you qualify, apply for program assistance by going to

our website www.texashomeownerassistance.com

Need Mortgage

Assistance?

♦ Visit Our Website www.texashomeownerassistance.com

♦ Call the Call Center 1-833-651-3874

Monday-Friday 8am-6pm CST