Behind on home loan payments or related expenses?

Texas Homeowner Assistance is here to help.

This program gives eligible homeowners grants to cover past due mortgage payments, up to three (3) months of future mortgage payments, property taxes, insurance, homeowner/condo association fees, past due utility payments, and up to three (3) months of prospective utility payments.
Eligible utility payments include electricity, natural gas, propane, water, and
wastewater. The program is administered by the Texas Department of Housing and Community Affairs (TDHCA) with funding provided by the Homeowner Assistance Fund under the American Rescue Plan Act of 2021.
Endeavors is assisting homeowners with the application process.



  • 100% area mean income OR medium income for the United States, whichever is greater
  • Behind on one or more of the following payments: Mortage loans, property taxes, property insurance or homeowner/condo association fees
  • Experienced a qualified financial hardship after January 21, 2020, such as lost income or increased expenses due to the pandemic.
  • Residing in one of the following counties: Angelina, Brazoria, Fort Bend, Galveston, Hardin, Harris, Houston, Jasper, Jefferson, Nacogdoches, Newton Orange, Polk, Sabine, San Augustine, San Jacinto, Shelby, Trinity, and Tyler.

How to Apply:

  • Prepare to apply by having the following documents available:
    • Identification – One of the following for all adults over 18:
      • Driver’s license
      • State identification card
      • Voter registration card
      • School registration form
      • Library card
      • Passport
      • Student ID
      • Social security card
      • Military ID
      • Naturalization certificate
      • Lawful permanent residency card
      • Employment authorization document Birth certificate
    • Income Statements:
      • IRS 1040 (tax returns) -Preferred
      • Last month of paystubs
      • Letter from your employer detailing your earnings for the past month
      • If self-employed: profit and loss statements for the most recent 30 days
      • If you have nontraditional paycheck documentation (ex. Contract work) provide a description of earning and signed attestation.
      • Unemployment benefit letter
      • Child support award letter
      • Pension, Social Security, Annuities, Death Benefits letter
    • Proof of Residency
      • Utility bill in your name at primary applicant’s home address
      • Attestation that you occupy the property as your primary residence
    • Depending on the assistance requested please provide the following:
      • Mortgage Assistance: Loan/account number, Loan origination date, currently monthly payment (Provide one of the following)
        • Past Due Notice
        • Mortgage Statement
        • Breach letter from your loan servicer
        • Notice of default, foreclosure notice or other document from your loan servicer showing past due amount
        • If you do not have the documentation from your loan servicer, provide assigned attestation of the past due mortgage information
      • Past due Homeowner’s Insurance
        • Copy of past due notice or statement from your insurance company showing the past due amount for homeowner’s insurance, flood, hazard or mortgage insurance.
          Statement must be detailed with each year’s amount listed separately
      • Past Due HOA Fees or Liens
        • Copy of past due notice or statement from your HOA or condo association evidencing the past due fees, liens or common charges Statement must be detailed with each year’s amount listed separately
      • Past Due Utility Bills
        • A utility bill or statement showing a past due balance for electricity, natural gas, propane, water or wastewater. Bill must be dated within the last 45 days.
        • Proof of homeownership, such as a copy of the title of the house, a copy of a recent mortgage statement, or a copy of a recent property tax statement.
  • Submit initial application by clicking the button below
  • After submitting the initial application, Endeavors will contact you to obtain more information via email.

Apply *We are currently experiencing a high volume of applications. You may experience a three week wait time for application processing.

What to expect after you apply:

  • After receiving your initial application online, an Endeavors staff member will review your application and confirm the details on your application with you
  • Endeavors staff will collect any other needed documentation and assist with completing the application with the Homeowner Assistance Fund through their online portal.
  • You will generally hear from the Home Owner Assistance fund 30 days after the application was submitted on it you were approved or denied.
  • If approved, payments will be made through the Home Owner Assistance program.
  • If denied, Endeavors will assist with getting you connected with the housing legal counselors

Contact us

for more information contact us!

[email protected]

Toll Free: 281-817-0091

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Homeowner Assistance Funds

Program Intake Form

Demographic Information

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