Mortgage or Foreclosure Assistance

For Austinites who may be facing foreclosure, or issues paying their mortgage, there are several governmental and nonprofit resources that may be able to help.

Home Repair and Accessibility Modification

Home rehabilitation programs offer grants or forgivable loans to ensure low- and moderate-income households are safe and healthy by repairing foundations, roofing, plumbing, electrical, drywall, HVAC, and other structural improvements. Rehabilitation programs not only ensure their homes are safe, functional, and accessible, but allows Austinites to stay in their homes, instead of selling or moving because they can not afford the repairs.

Architectural Barrier Removal Program
GO Repair Grant Program
Home Rehabilitation Loan Program
Minor Home Repair Grant Program
Private Lateral Line Grants Program

Eligibility
Eligibility is limited to single-family, detached, and principal residences within Austin city limits with clear property title and not discharged from bankruptcy in the previous two years.  Household income must be 80 percent or less of the Austin area median family income.

Application Process
A Home Repair Application must be completed, signed, and submitted with all required supporting documentation.  A Spanish version of the application is also available.  Applications can be submitted by email at NHCDCS@austintexas.gov, by fax at 512-974-3161.

By Mail:
NHCD Home Repair Program
PO Box 1088
Austin, Texas, 78767

In Person:
NHCD Offices
1000 East 11th Street, Suite 200
Austin, Texas 78702

Applications are processed within 30 days, but construction scheduling varies based on need, project size, and repairs needed. Applicants will be assigned a construction coordinator to oversee the project. Call 512-974-3100, or email: nhcdcs@austintexas.gov with questions.

Optional Relocation Assistance
Relocation assistance is available under federal grants programs overseen by the City of Austin. Relocation assistance is not required, but should be viewed as a commitment on behalf of the City to provide adequate temporary housing to low-to-moderate income households that do not exceed 80% of the Median Family Income. You can read the Optional Relocation Assistance Guidelines.