Texas Department of Housing and Community Affairs - Monthly Mortgage Payment Assistance Program (U Program)

Sep 19, 2026

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Texas Department of Housing and Community Affairs provides monthly mortgage payment assistance under the Monthly Mortgage Payment Assistance Program (U Program) for homeowners facing continuing financial hardship related to the Coronavirus pandemic. Assistance may cover up to three months outside reinstatement payments, and monthly mortgage payments are available only together with a reinstatement assistance payment. Eligibility follows general requirements and adds hardship attestation, identity documentation, and income determination with supporting records. The program pays through servicers or participating centers and is structured as a non-recourse grant.

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Criteria

Brief description

Maximum amount of assistance per homeowner

Homeowner eligibility criteria and documentation requirements

Loan eligibility criteria specific to the program

Form of assistance

Payment requirements

Intake Centers

Texas Department of Housing and Community Affairs Montly Mortgage Payment Assistance Program (U Program) | Criteria | Terms | | --- | --- | | Brief description | Provide full monthly payment assistance to homeowners unable to make full mortgage payments due to a continuing financial hardship associated with the Coronavirus pandemic.
HAF funds will allow a homeowner up to three (3) months outside of reinstatement assistance payments. Monthly mortgage payments are available only in conjunction with a reinstatement assistance payment.

Property Charge Default Resolution assistance. | | Maximum amount of assistance per homeowner | Maximum Amount of Assistance:

Monthly Mortgage (U Program):
Program will allow for three (3) months of
monthly mortgage payment assistance outside of reinstatement based on need and additional self‐attestation.
Homeowners who received prior mortgage assistance from TXHAF are not eligible to receive assistance through this program. | | Homeowner eligibility criteria and documentation requirements | Same as General Eligibility Requirements plus:

monthly mortgage payment assistance outside of reinstatement based on need and additional self‐attestation.
Homeowner Eligibility Criteria Documentation Requirements
Financial Hardship-Applicant attestation as to financial hardship after January 21, 2021, including description of the nature of the financial hardship (job loss, reduction in income, etc.)
Justification-Required by Treasury. Self-attestation eliminates barriers to participation.
Identification-Applicant must provide a form of identification (current or expired) including, but not limited to, a 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, or birth certificate.
Justification-Confirming the applicant's identity is important for several reasons, including fraud prevention. TDHCA is making the supporting documentation reqirement as broad and flexible as possible to reduce any potential barriers to participation.
Income Determination-Applicant attestation as to household income, plus supporting documentation, including paystubs, W-2s or other wage statements, IRS Form 1099, tax filings, depository institution statements demonstrating regular income, or an employer attestation. Additional documentation being considered includes evidence of current participation in Head Start, the Low Income Home Energy Assistance Program (LIHEAP), the Comprehensive Energy Assistance Program (CEAP) or the Supplemental Nutrition Assistance Program (SNAP) .
Justification-Treasury described two permissible approaches for income determination. TDHCA attempted to develop a reasonable, fact-specific proxy, but was unable to develop a suitable proxy. As such, TDHCA is using the second permissible approach, that of supporting documentation. TDHCA is making the supporting documentation requirement as broad and flexible as possible to reduce any potential barriers to participation.
Owner Occupancy-Preferred documentation is a utility bill that reflects the homeowner as the payer for the account, in lieu of supporting documentation a homeowner attestation will be accepted. | | Loan eligibility criteria
specific to the program | Delinquent by at least one payment, including any payments during a forbearance period.
Original loan balance must be within conforming loan limits at the time of loan origination.
Loan Eligibility Criteria Documentation Requirements
Original Principal -Original loan balance must be confirmed by Servicer, either through CDF or in writing. For non-traditional mortgage loans for which the servicer cannot provide confirmation, other sources of documentation, including those that may be provided by the homeowner applicant, wil

FAQs

What is the maximum monthly mortgage payment assistance a homeowner can receive under the U Program?

The program allows assistance for up to three (3) months of monthly mortgage payment support outside reinstatement, based on need and additional self-attestation.

What additional documentation is required for homeowner eligibility beyond general requirements?

Applicants must provide a financial hardship attestation (after January 21, 2021), justification required by Treasury, identification, income determination support (e.g., paystubs/W-2s/1099s/tax filings/statements or employer attestation), and preferred owner occupancy evidence (such as a utility bill) or an acceptable attestation.

How is the assistance structured and how are payments made?

Assistance is structured as a non-recourse grant. Payments may be made directly to the lender or servicer as appropriate via ACH or check, following servicer instructions, with amounts determined by verifying outstanding delinquent amounts during underwriting and approval.

Sep 19, 2026

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