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 College Station, TX.

Low-interest construction loan for very-low-income Texas residents in rural areas to build their own homes. Borrowers provide at least 65% of labor (sweat equity). Loan covers materials only. Technical assistance provided. Interest rate is currently around 3%.

Loan for materials only, borrower provides labor sweat equity

Official program page checked live on 2026-06-22.

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

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

Key Details

  • Self-help construction loan up to $30,000
  • Borrower provides 65% of labor (sweat equity)
  • Low interest rate around 3%
  • Must be very-low-income in rural area
  • Technical assistance provided

How to Apply

Get free help applying Visit Official Program Page Track this program

(512) 475-3800

A grant-savvy contractor in College Station, 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 College Station 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 quarterly

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 College Station, TX?

Up to $30,000 self-help construction loan.

Who qualifies for Texas Bootstrap Loan Program in College Station?

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

How do I apply for Texas Bootstrap Loan Program in College Station, 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.

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Find More Programs in College Station, TX

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

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