Texas low income housing program guide
Below is a curated list of real government agencies, legal aid groups and advocacy organisations that Texans can turn to for help with low income housing, rental assistance, and housing discrimination issues. Each entry is drawn from public research on the organisation's actual role, so you know who to contact depending on whether you need a voucher, a legal aid attorney, or a place to file a complaint.
Government & regulatory
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U.S. Department of Housing and Urban Development (HUD)
Federal agency that oversees national housing programs including the Housing Choice Voucher (Section 8) program, fair housing enforcement, and public housing. Vouchers are administered locally by a public housing agency (PHA) that manages applications and waiting lists.
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Texas Department of Housing and Community Affairs (TDHCA)
State agency responsible for homeownership, affordable rental housing, community and energy assistance programs, and regulation of the manufactured housing industry in Texas. It administers more than $400 million annually through partnerships that deliver local housing and community-based opportunities to low income Texans.
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Texas Department of Savings and Mortgage Lending (SML)
State regulator for state-licensed mortgage lenders and servicers, useful as a resource when a consumer's mortgage lender or servicer is state licensed.
Industry & professional associations
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National Low Income Housing Coalition (NLIHC)
National nonprofit advocacy organization focused on affordable housing policy, federal housing program monitoring, and tenant protections, including work on fair access under the Fair Housing Act.
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National Fair Housing Alliance (NFHA)
National nonprofit consortium of fair housing organizations that tracks housing discrimination trends, provides resources, and pursues enforcement and litigation related to the Fair Housing Act. It publishes an annual Fair Housing Trends Report on discrimination complaint data nationally.
Consumer protection
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Consumer Financial Protection Bureau (CFPB)
Federal agency overseeing banks, credit unions, lenders, and mortgage servicers, and accepting consumer complaints about mortgage, credit, and related financial products.
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Texas Office of the Attorney General - Consumer Protection Division
State agency that accepts consumer complaints, prosecutes deceptive trade practices, and issues alerts on scams including mortgage and housing-related fraud, while educating Texans on how to spot and avoid common scams.
Legal help
This is general information, not legal advice. Speak to a qualified professional about your specific situation.
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Texas RioGrande Legal Aid (TRLA)
Nonprofit providing free civil legal services to low-income people across a 68-county service area in Texas, including help with evictions, foreclosures, housing discrimination, and manufactured home disputes. Its Housing Group works to keep tenants and homeowners in their homes and reduce homelessness.
Visit website → Phone: 1-888-988-9996 -
National Housing Law Project (NHLP)
National legal advocacy organization working on tenant rights, federally subsidized housing law, and fair housing enforcement matters.
Need a provider rather than a resource? Find Housing.