Texas Department of Housing and Community Affairs
Texas Home Improvement Loan Program is available to homeowners in DeSoto, TX.
Low-interest home improvement loans for moderate-income Texas homeowners to make necessary repairs and upgrades. Loans feature below-market interest rates and flexible terms up to 20 years.
Typical loan amount for qualifying repairs at 3% interest
Official program page checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In DeSoto, TX, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in DeSoto, 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 DeSoto early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Documents you will likely need
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: Check for availability
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $40,000 loan at 3% interest.
Texas Home Improvement Loan Program is open to homeowners in DeSoto, TX.
Apply directly with Texas Department of Housing and Community Affairs using the official program link on this page or call (877) 508-4611. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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