TDHCA Homeowner Assistance Fund (HAF)

Texas Department of Housing and Community Affairs (TDHCA)

Available Home Repair

About This Program

TDHCA Homeowner Assistance Fund (HAF) is available to homeowners in Houston, TX.

TDHCA's Homeowner Assistance Fund (HAF), funded by the American Rescue Plan Act, helps Texas homeowners who experienced COVID-related financial hardships pay mortgage arrears, property taxes, HOA fees, insurance, utilities, and certain home repairs to prevent foreclosure. Funds are limited and programs may be paused pending available funding. Income must be at or below 150% AMI.

Up to $65,000 per household across eligible expense categories; actual award depends on documented arrears.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Houston, TX, you can combine this program with other local help to cut your cost:

Key Details

  • Must have experienced COVID-19-related financial hardship
  • Income at or below 150% AMI
  • Covers mortgage arrears, property taxes, HOA fees, insurance, utilities
  • Up to $65,000 maximum per household
  • Check tdhca.texas.gov for current funding availability

How to Apply

Get free help applying Visit Official Program Page Track this program

800-829-1040

A grant-savvy contractor in Houston, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Houston early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Contact program

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can TDHCA Homeowner Assistance Fund (HAF) provide in Houston, TX?

Up to $65,000 for mortgage/utility/HOA/insurance arrears.

Who qualifies for TDHCA Homeowner Assistance Fund (HAF) in Houston?

TDHCA Homeowner Assistance Fund (HAF) is open to homeowners in Houston, TX.

How do I apply for TDHCA Homeowner Assistance Fund (HAF) in Houston, TX?

Apply directly with Texas Department of Housing and Community Affairs (TDHCA) using the official program link on this page or call 800-829-1040. There is no middleman and no fee.

Need a Contractor for This Grant?

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