Which organization helps provide essential services and affordable housing opportunities based on income level in Texas?

The Texas Department of Housing and Community Affairs (TDHCA) plays a crucial role in providing essential services and creating affordable housing opportunities based on income levels in Texas. This organization is dedicated to the improvement of housing options for low- and moderate-income families and individuals by offering various programs, incentives, and funding to support affordable housing development and preservation.

TDHCA's efforts include the allocation of resources for the construction of affordable units, implementation of assistance programs for renters and homeowners, and fostering partnerships with local entities to address housing needs. This focus directly aligns with the objective of making housing accessible based on financial capacities.

The other organizations listed serve different purposes. The Consumer Financial Protection Bureau (CFPB) is primarily focused on consumer protection in the financial sector; the United States Department of Agriculture (USDA) generally deals with rural development and agricultural programs; and the Federal Housing Administration (FHA) insures loans to promote homeownership, but it does not specifically tailor its services to income-based affordable housing as TDHCA does.