Texas Homeowner Assistance: TDHCA Programs Still Available
If you're a Texas homeowner struggling to make mortgage or property tax payments, you may be eligible for assistance from the Texas Department of Housing and Community Affairs (TDHCA). TDHCA programs can provide up to $40,000 in aid to help you get back on your feet. With the current economic uncertainty, it's essential to explore all available options to avoid foreclosure or property tax delinquency. The TDHCA has allocated funds to support homeowners in need, and it's important to act quickly to secure assistance.
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
The Texas Department of Housing and Community Affairs (TDHCA) still has homeowner assistance programs available, including the Homeowner Assistance Program and the Homeowner Rebuilding Program. These programs offer financial assistance to help homeowners with mortgage payments, property taxes, and home repairs.
To be eligible, you must be a Texas homeowner, meet income requirements, and demonstrate a need for assistance. You can apply online or through a participating lender, and there is no application fee. The TDHCA will review your application and determine the amount of assistance you're eligible for, which can be up to $40,000.
Do not pay any fees to apply for TDHCA homeowner assistance programs, as there is no application fee. Be cautious of scams that may promise guaranteed approval or charge excessive fees for application assistance.
Eligibility Requirements
Income Limits
The TDHCA has income limits for its homeowner assistance programs, which vary by county and family size. For example, in Harris County, the income limit for a family of four is $83,300.
Program Options
The TDHCA offers two main programs: the Homeowner Assistance Program and the Homeowner Rebuilding Program. The Homeowner Assistance Program provides financial assistance for mortgage payments, property taxes, and insurance, while the Homeowner Rebuilding Program offers funds for home repairs and rehabilitation.
Application Process
To apply for TDHCA homeowner assistance, you'll need to gather required documents, including proof of income, identification, and property ownership. You can apply online or through a participating lender, and the TDHCA will review your application to determine eligibility. Processing times may vary, but you can expect to receive a decision within 30-60 days.
Program Benefits
Up to $40,000 in financial assistance
No application fee
Assistance with mortgage payments, property taxes, and insurance
Funds for home repairs and rehabilitation
The TDHCA homeowner assistance programs can provide significant financial relief to eligible homeowners, helping them avoid foreclosure or property tax delinquency.
Apply for TDHCA Homeowner Assistance
If you're a Texas homeowner in need of assistance, apply for TDHCA programs today to get back on your feet. You can start the application process online or through a participating lender.
What is the income limit for TDHCA homeowner assistance programs?
The income limit varies by county and family size, but for example, in Harris County, the income limit for a family of four is $83,300. You can check the TDHCA website for specific income limits in your area.
How long does it take to process a TDHCA application?
Processing times may vary, but you can expect to receive a decision within 30-60 days. You can check the status of your application online or contact the TDHCA directly for an update.
Can I apply for TDHCA homeowner assistance if I've already received assistance from another program?
It depends on the specific program and circumstances. You should contact the TDHCA directly to discuss your eligibility and options.
Is the TDHCA homeowner assistance program a loan or a grant?
The TDHCA program provides financial assistance in the form of a grant, which does not need to be repaid. However, you may be required to meet certain conditions or obligations to receive the assistance.