Texas Bootstrap Loan Program

Texas Department of Housing and Community Affairs

Available Home Repair

About This Program

Texas Bootstrap Loan Program is available to homeowners in Borger, TX.

Low-interest construction loan program for very low-income Texas residents to build or substantially repair their own homes using sweat equity. Borrowers provide at least 65% of construction labor, reducing overall costs. Loan converts to permanent mortgage at completion.

Loan amount based on construction costs minus sweat equity value

Verified against Texas Department of Housing and Community Affairs's official page on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

In Borger, TX, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $65,000 construction/repair loan
  • Borrower provides 65% of labor (sweat equity)
  • Income at or below 60% area median
  • Converts to permanent mortgage at completion
  • Low interest rate, 20-30 year term

How to Apply

Get free help applying Visit Official Program Page Track this program

(512) 475-3800

A grant-savvy contractor in Borger, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Borger early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted year-round, subject to funding

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Texas Bootstrap Loan Program provide in Borger, TX?

Up to $45,000.

Who qualifies for Texas Bootstrap Loan Program in Borger?

Texas Bootstrap Loan Program is open to homeowners in Borger, TX. It prioritizes low-income households.

How do I apply for Texas Bootstrap Loan Program in Borger, TX?

Apply directly with Texas Department of Housing and Community Affairs using the official program link on this page or call (512) 475-3800. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Borger, TX contractors

Find More Programs in Borger, TX

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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