Texas Bootstrap Loan Program

Texas Department of Housing & Community Affairs

Available Home Repair

About This Program

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

Zero-interest construction loan for very low-income Texans to build their own homes using sweat equity. Must be in eligible rural areas. Provides funds for materials and subcontracted work while family provides labor. Technical assistance provided. Loan converts to 30-year mortgage at completion.

Loan amount based on construction costs and self-help contribution

Official source site checked live on 2026-06-22.

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

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

Key Details

  • 0% interest construction loan up to $45,000
  • For self-help home construction using sweat equity
  • Income at or below 60% AMI
  • Must be in eligible rural area
  • Converts to 30-year mortgage upon completion

How to Apply

Get free help applying Visit Official Program Page Track this program

(512) 475-3800

A grant-savvy contractor in Pecos, 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 Pecos 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: Rolling applications

Questions about this program?

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

Email us about this program

Frequently asked questions

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

Loan up to $45,000 at 0% interest.

Who qualifies for Texas Bootstrap Loan Program in Pecos?

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

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

Apply directly with Texas Department of Housing & 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 Pecos, TX contractors

Find More Programs in Pecos, TX

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

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