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An official website of the Texas state government

If you or someone you know is in need of assistance, please visit our Help for Texans Page.

Program Details/Overview

The Bootstrap Program is a self-help housing construction program that assists low-income households (Owner-Builders) purchase or refinance real property on which to build or repair housing by contributing the labor themselves. The maximum Bootstrap loan is $45,000 per household and 0% interest for a term of up to 30 years. Owner-Builders leverage their Bootstrap loan with additional loan funds from other sources.

All Owner-Builders are required to provide at least 65% of the labor necessary to build or rehabilitate their housing by working with a state-certified Administrator or a Colonia Self-Help Center. Owner-Builders may contribute the labor personally, they may build or rehabilitate housing for others, and/or they may receive noncontract labor assistance from others.


For additional information on the Bootstrap program please email

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