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Pathways to Housing at  The Health Collaborative can help!

Are you behind on Mortgage, HOA fees or Utility bills? 

We have emergency funds ready to help eligible Texas homeowners affected by the COVID-19 pandemic. 







Help for Texans

Find Support and get help with your TXHAF application at The Health Collaborative

Texas Homeowner Assistance has more than $600 million available for qualified homeowners who experienced financial hardship due to the COVID-19 pandemic. The Texas Homeowner Assistance program provides financial assistance to homeowners who are struggling to make their mortgage payments.  We will explain how the program works and provide instructions on how to apply for assistance.

Texas Homeowner Assistance Fund (TXHAF):  Apply For (up to)

  • $65000 in Mortgage Assistance

  • $25000 in Property Charges 

  • $10000 in Utility Bills

For questions and more information call 855-626-1400 

Help is available in multiple languages. 


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

  • Experienced a qualified financial hardship  due to the pandemic

  • Are behind on one or more of the following payments: mortgage loans, property taxes, property insurance, homeowner/condo association fees, or utility bills

  • Have a household income at or below 100% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater

  • Own and occupy a home in Texas as a primary residence

The Texas Homeowner Assistance program offers financial aid to qualified Texas homeowners struggling with mortgage, utility payments, and related expenses caused by the COVID-19 pandemic. The program provides grants to cover past due and up to three months of future mortgage payments, property taxes, insurance, homeowner/condo association fees, and utility payments, including electricity, natural gas, propane, water, and wastewater.

Assisting in Bexar, Blanco, Comal, Hays and Wilson Counties.


Our Housing counselors can meet you at a location convenient for you, at a Public Library or a Workforce Solution office.​


Understand your mortgage. Relief options are determined by your mortgage type.


Contact your loan servicer to learn what is available to you and what documents you need


This new mortgage assistance program is currently taking applications statewide


Ant, ghost and vampire expenses: what are they and how to avoid them?


We refer to as ant expenses to a series of small payments for services or products, sometimes unnecessary, that we make on a daily basis, almost unconsciously, but which little by little reduce an important part of our budget at the end of the year. How many times have we asked ourselves: “Where have I spent all my money on this month?

Coffee, croissants, the lunch menu, are small treats that make our day, but a perfect example of micro-expenditure, although not always dispensable, that we can reduce the cost of. Bringing home-cooked food or shopping at the supermarket instead of eating out every day only saves a few dollars a week, but you will no doubt be surprised at the savings you can make by calculating how much these micro-expenses add to your annual bill.

You may be eligible for the Texas Homeowner Assistance Program if you meet the following criteria:


You are behind on your mortgage, property taxes, property insurance, or HOA fees.

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Texas residency

You own and occupy your home in Texas and this is your primary residence.

Household income

Your household income is at or below 100% of the Area Median Income or United States

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You have experienced lost income or incurring increased expenses due to the COVID 19 pandemic.

This is only a general list of program requirements. To see the full list of Texas mortgage assistance eligibility requirements you can visit the Texas Homeowners Assistance FAQ page.


Here are some tips for saving money:

  1. Create a budget: Start by listing all your income sources and expenses. Differentiate between fixed expenses (like rent, utilities, and loan payments) and variable expenses (like groceries, entertainment, and dining out). Allocate a portion of your income for savings.

  2. Track your expenses: Keep a record of all your expenses, either manually or by using budgeting apps. This will help you understand where your money is going and identify areas where you can cut back.

  3. Reduce unnecessary expenses: Review your variable expenses and identify areas where you can make cuts. For example, consider cooking at home instead of eating out, cancel subscriptions you don't use, and find free or low-cost entertainment options.

  4. Save on utilities: Be mindful of your energy and water consumption. Turn off lights and appliances when not in use, unplug electronics, use energy-efficient bulbs, take shorter showers, and fix any leaks promptly.

  5. Plan your meals: Create a weekly meal plan and make a shopping list accordingly. This will help you avoid impulsive purchases and reduce food waste.

  6. Comparison shop: Before making a purchase, compare prices from different stores or online retailers to ensure you're getting the best deal. Look for discounts, sales, and coupons.

  7. Automate your savings: Set up automatic transfers from your checking account to a savings account each month. This way, you'll save money consistently without having to think about it.

  8. Prioritize debt repayment: If you have high-interest debt, such as credit card debt, focus on paying it off as quickly as possible. Consider consolidating your debts or negotiating with creditors for better repayment terms.

  9. Set financial goals: Define short-term and long-term financial goals, such as building an emergency fund, saving for a down payment on a house, or planning for retirement. Having clear goals can motivate you to save more effectively.

  10. Seek professional advice: If you're struggling to manage your finances or save money, consider consulting a financial advisor who can provide personalized guidance and help you create a sustainable savings plan.

Remember, saving money requires discipline and a willingness to make changes in your spending habits. By being mindful of your expenses and making conscious choices, you can gradually build a stronger financial foundation.


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