Texas Bootstrap Loan Program

Texas Department of Housing and Community Affairs

Available Home Repair

About This Program

Very low-interest construction loan for very low-income Texans in eligible rural areas to provide their own labor (sweat equity) to build or substantially rehabilitate their home. Administered by regional non-profit organizations.

Construction loan amount based on project scope with sweat equity

Key Details

  • Construction loans up to $35,000
  • Very low income required (60% AMI or below)
  • Must provide sweat equity/own labor
  • Very low interest rate (3%)
  • Eligible rural areas only

How to Apply

Deadline: Applications through regional administrators

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