Financial Relief for Texas Homeowners: Millions in Funds Available

The state of Texas is still offering millions of dollars in funding from the federal government to homeowners who have been impacted financially in recent years. The Texas Homeowner Assistance Fund Program (THAFP) launched in March 2022, providing over $600 million to help Texas families cover their utility and mortgage payments.

As of now, the program has paid out nearly $300 million in assistance to over 27,000 households, with millions of dollars still available for those who qualify. Eligible homeowners can receive up to $65,000 in total assistance, provided in the form of a grant. In order to qualify, homeowners must have experienced a financial hardship due to the pandemic after January 21, 2020, such as lost income or increased expenses, be behind on one or more payments (mortgage loans, property taxes, property insurance, homeowner/condo association fees, and/or utility bills), have a household income at or below 100% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater, and own and occupy a home in Texas as a primary residence. Texans who own a home, condo, duplex or manufactured home are all eligible. Assistance is available for both past and future mortgage payments, as well as past and future utility bills, including electricity, natural gas, propane, water and wastewater services.

Homeowners who are unsure if they meet the income criteria, which differ from county to county, can check the “Do I Qualify” button on the Texas Homeowner Assistance website for more information. People who want to apply can also do so on the same website.

For additional information or guidance, people can call the Texas Homeowner Assistance Fund toll-free call center at 833-651-3874 between Monday and Friday from 8 a.m. to 6 p.m. Help is available in multiple languages.

There’s also separate utility assistance program that helps renters, but it only covers water and wastewater bills for those who qualify. Information and applications are available on the Texas Utility Help website.

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