American Rescue Plan Act of 2021 Texas Homeowner Assistance Fund Program (TXHAF)

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Texas Homeowner Assistance Fund (TXHAF) is part of the


American Rescue Plan Act of 2021. TXHAF provides eligible


homeowners with grants to pay past due mortgage payments and


 property taxes, insurance, and HOA fees.

How to apply:

They started taking applications on 3/2/2022 and homeowners can apply online at https://www.texashomeownerassistance.com/.

Who is eligible?

Texas homeowners may be eligible for assistance under TXHAF if they meet the following:

  • Have fallen behind on one or more payments: mortgage, property tax, property insurance, HOA/condo association fees.
  • Household income at or below 100% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater
  • Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area (Income Limits)
  • Own and occupy their home in Texas as their primary residence
  • Household experienced a qualified financial hardship after January 21, 2020, such as lost income or increased expenses due to the pandemic


Payments are made:

  • Once a homeowner’s application is approved, payment is sent directly to the mortgage servicer, property tax authority, insurance company, or HOA/condo association.
  • Payment is made by either ACH/ direct deposit or check

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By Admin December 1, 2025
It is time to put up holiday decorations!! I love this time of year! The week of Christmas, my family and I go out and look at all of the holiday decorations and lights. But, what about the HOA? Some HOAs, that have the budget for decorations, might put up lights and bows in the HOA common area. Most HOAs hire someone to put and take down décor. I am sure a lot of people wish they could hire someone for their own personal decorations. No one wants to get that dreaded letter from the HOA stating that they need to take down decorations. No HOA wants to be considered a scrooge at the holidays either. I read an article from 2019 where a Texas HOA asked a couple to take down their holiday decorations because they were installed too early. The mother was pregnant with their third child and they needed to put the decorations up early because she was due to have her baby a month later. Oops! I think that whole situation could have been avoided if both parties communicated with each other. Here are some tips regarding how to avoid those uncomfortable situations. Draft guidelines if the declarations allow for it. In those guidelines, the HOA can set a timeline for when decorations can be put up and when they need to be taken down (be reasonable!). The guidelines can also address any nuisance concerns (such as lights and other noisy or distracting decorations that can cause issues). Don’t limit the types of decorations or the subject matter. Limiting some colors or certain types of decorations used in specific religions or cultures can actually open the Association to liability. Using specific identifying words in any guidelines can alienate homeowners. The Association should air on the side of caution when prohibiting decorations and the wording should be broad enough to include everyone. Lastly, communicate with each other! If there are decorations that are causing issues, talk to neighbors about it. If you want to install decorations before the guideline dates, call the HOA or management company. Give them the reason why early installation is needed. The point is to be inclusive and keep the Association safe and happy. I hope everyone is safe and happy during the holidays! 
By Admin December 1, 2025