In general, what is the purpose of the Texas Department of Housing and Community Affairs?

• A. To regulate property taxes
• B. To protect and expand affordable housing
• C. To license real estate brokers
• D. To oversee mortgage lending standards

Answer: (B)

The main idea is that this department exists to protect and expand affordable housing for Texans. It does this by funding and running programs that help people access safe, decent, and affordable homes—things like financing for affordable rental and for-sale housing, weatherization, home repairs, and down payment assistance, often in partnership with local governments and nonprofits. Because of that focus, it’s not about regulating property taxes, licensing real estate brokers, or setting mortgage lending standards—those duties belong to tax authorities, real estate commissions, and financial regulators, respectively. So the best answer centers on expanding and protecting affordable housing through its programs and funding.