Texas Homeowner Assistance: How To Apply For (up to) $65000 In Mortgage Assistance

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Texas Homeowner Assistance: How To Apply For (up to) $65000 In Mortgage Assistance


In this community resource, you will learn about a mortgage assistance program called the Texas Homeowner Assistance Program.

In the wake of the COVID-19 pandemic, more and more people are finding themselves unable to make their mortgage payments. If you are one of these people, don’t worry – help is available.

The Texas Homeowner Assistance program provides financial assistance to homeowners who are struggling to make their mortgage payments. In this article, we will explain how the program works and provide instructions on how to apply for assistance.

What Is The Texas Homeowner Assistance Program?

Texas Homeowner Assistance can help you by providing grants to pay for things like overdue:

  • Mortgage payments
  • Property taxes
  • Insurance
  • Homeowner and condo association fees

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This program was created to help you, the Texas homeowner, who is struggling to pay housing-related bills due to some type of financial hardship caused by the COVID 19 pandemic.

This program is managed by the Texas Department of Housing and Community Affairs (TDHCA) and this is who you will have to apply for mortgage assistance in Texas with.

The Texas Homeowner Assistance Program falls under a larger federal program called the Homeowner Assistance Fund (HAF). There are HAF programs in most states and these programs are all funded by the American Rescue Plan Act of 2021.

Program Eligibility To Receive Mortgage Assistance In Texas

You may be eligible for the Texas Homeowner Assistance Program if you meet the following criteria: 

  • You are behind on your mortgage, property taxes, property insurance, or homeowner/condo association fees. 
  • Your household income is at or below 100% of the Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater. 
  • You own and occupy your home in Texas and this is your primary residence. 
  • You have experienced financial hardship after January 21, 2020. Examples are having lost income or incurring increased expenses due to the COVID 19 pandemic. 

This is only a general list of program requirements. To see the full list of Texas mortgage assistance eligibility requirements you can visit the Texas Homeowners Assistance FAQ page.

2 Texas Homeowner Financial Assistance Programs Offered

If you are a homeowner in Texas this federally funded program can help you with two different programs:

  • Mortgage Payment Assistance
  • Texas Property Tax Assistance

Here is more information about both programs.

1.) Mortgage Payment Assistance In Texas

The Mortgage Program was created to help eligible Texas homeowners with hardships pay their past due mortgage payments. The program provides up to $65,000 per household in assistance, and the money can be used to pay any outstanding mortgage-related expenses.

2.) Help Paying Past Due Texas Property Taxes

Are you a Texas homeowner struggling to pay your property taxes? If so, you may be eligible for assistance through the Property Charge Default Program via the Texas Homeowners Assistance fund.

This program provides qualifying homeowners with help paying past due property taxes, property insurance, and/or homeowner/condo association fees.

Of the maximum $65,000 available per household, up to $25,000 can be used for property charge defaults.

Documents Needed To Apply For The Texas Homeowner Assistance Program

You will need to provide your:

  • ID or driver’s license
  • A past due bill. This can be your mortgage payment, a property tax statement, a bill from your insurance, or a condo association fee statement.
  • Your proof of residency. An example is your utility bill with your name.
  • Income statements like your work pay stubs, SSI, or whatever income you receive.

How To Apply For This Texas Mortgage Assistance Program

To apply for help paying your mortgage in Texas through this program you must first visit the Texas Homeowner Assistance website. Search for the blue “Apply Now” button to start your application.

help paying mortgage Texas_1
This is a screenshot of the homepage of the Texas Homeowners Assistance website. Click on the Apply Now button to begin your application for mortgage assistance in Texas.

If you have trouble using computers and need help applying for mortgage assistance you can contact 833.651.3874.

After you apply they will check your eligibility to see if you qualify for assistance.

Should you qualify, your mortgage assistance payments will be sent directly to your bank.

How Much Mortgage Assistance Can I Receive?

The maximum amount of mortgage assistance offered is $65,000. For property charge defaults or property taxes, the max is $25,000. This does not mean you will receive this much, but these are the maximum amounts of housing assistance you can receive.

What Is The Texas Homeowner Assistance Phone Number?

You can call 833.651.3874 for more information about this Texas mortgage assistance program.

Conclusion

If you are a homeowner in Texas struggling to make your mortgage payments, the Texas Homeowner Assistance program may be able to help. This program is available to Texas homeowners who have experienced financial hardship due to the COVID-19 pandemic.

This federally funded program offers up to $65,000 per household in assistance for past due mortgage payments, property taxes, property insurance, and homeowner/condo association fees.

You can apply online by visiting TexasHomeownerAssistance.com online or by phone by calling 833.651.3874.

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