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.

State 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.

Overview

The State Housing Trust Fund provides loans and grants to finance, acquire, rehabilitate, and develop decent and safe affordable housing. The State Housing Trust Fund currently administers the single family programs described below. All State 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 very low-income “Owner-Builder” households (no more than 60% 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 Nonprofit Owner-Builder Housing Providers 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 $20,000 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: Glynis Laing Vitanza, Housing Trust Fund Program Manager (512) 936-7800 or HTF@tdhca.state.tx.us.