Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities
Help for Texans
  • If you or someone you know is in need of assistance, please visit our Help for Texans page.

Texas Housing Trust Fund

Note: This page pertains to the State of Texas’ Housing Trust Fund, funded through state general revenue. For information on the federally funded National Housing Trust Fund, please go to the Multifamily Direct Loan Program page.


The Texas Housing Trust Fund provides loans and grants to finance, acquire, rehabilitate, and develop decent and safe affordable housing. The Housing Trust Fund currently administers the single family programs described below. All Texas Housing Trust Fund Programs are implemented only through eligible nonprofits, for-profits, public housing authorities and local governments that have executed a Housing Trust Fund reservation agreement. If you are an individual seeking housing assistance, please visit our Help for Texans page.

Program Descriptions

Texas Bootstrap Loan Program

The Texas Bootstrap Loan Program assists low-income “Owner-Builder” households (no more than 80% Area Median Income) to purchase or refinance property for self-help construction. Assistance is in the form of 0%-interest loans of up to $45,000. State-certified Administrators or Colonia Self-Help Centers originate the Bootstrap loans and oversee self-help construction.

Amy Young Barrier Removal Program

The Amy Young Barrier Removal Program helps Persons with Disabilities with a low income (no more than 80% Area Median Family Income) to make their homes more accessible. Assistance is in the form of one-time grants of up to $22,500 to construct reasonable accommodations for renters and homeowners so that any household member with disabilities can fully access their home.

Helpful Information and Links

For more information or questions, please contact: Chad Landry Single Family Programs Manager, (512) 475-2135 or HTF@tdhca.state.tx.us.