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COVID-19 & Texas Law

This guide is updated to reflect information pertaining to the COVID-19 pandemic. Information in this guide is subject to change at any time.


Texas Homeowner Assistance Fund


The Homeowner Assistance Fund (HAF) was created by Congress as part of the American Rescue Plan. The HAF provides $9.9 billion to the U.S. Department of the Treasury to give out to states, territories, and tribes to help homeowners facing hardships due to the COVID-19 pandemic.

The purpose of the HAF is to prevent mortgage delinquencies and defaults, foreclosures, loss of utilities or home energy services, and displacement of homeowners experiencing financial hardship after January 21, 2020.

Funds from the HAF may be used for mortgage payments, homeowner’s insurance, utility payments, and other specified purposes such as homeowner and condominium association fees.

The Texas Department of Housing and Community Affairs (TDHCA) is the administrator for the Texas Homeowner Assistance Fund (TXHAF).

To contact the Texas Homeowner Assistance Fund, please call 1-833-651-3874.

General Information

Mortgage Relief

Mortgage Forbearance

Avoid Foreclosure

Utility Relief

Homeowners Associations & Property Owners Associations

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