Update: The Texas Homeowner Assistance Fund (TXHAF) is closed to new applications. Requests exceeded the funds available, and the Texas Department of Housing and Community Affairs (TDHCA) is no longer accepting applicants. If you already have an open case, questions can be directed to txhaf@tdhca.texas.gov.
Between 2022 and 2023, TXHAF distributed pandemic-era relief funds to help Texas homeowners catch up on mortgage payments, property taxes, insurance, HOA fees, and utility bills. It helped more than 20,000 households before funding ran out. If you're just learning about the program now, it's no longer an option — but that doesn't mean your options have run out too.
Where to turn instead
A free, HUD-approved housing counselor can help you understand what's actually available today, including options with your lender directly.
Call: 888-995-HOPE (4673)
Search for a counselor: consumerfinance.gov/find-a-housing-counselor
Other current resources
- Texas State Affordable Housing Corporation – Foreclosure Prevention
- Texas Financial Toolbox – Foreclosure Prevention Counseling
- Lone Star Legal Aid – Foreclosure Prevention Project
See our full Foreclosure Resources guide for legal aid, senior, veteran, and disability-specific services across North Texas.
If a sale makes more sense
For some homeowners, especially those without an active mortgage in their own name or without income documentation to qualify for assistance, a fast, as-is sale is the more realistic path forward. There's no wrong answer here — we're glad to talk through what fits your situation.