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Presentation and Discussion of Texas Housing Trust Fund Activities
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2026 Texas Bootstrap Loan Program Year End Report
Use of Bootstrap funds increased substantially in the FY26. Net activity draws total $3,195,000 across 71 activities, compared with $2,122,900 across 48 activities in FY25. That is an increase of $1,072,100, or 50.5%. The FY24 total was $2,114,400 across 47 activities.
Program activity and expenditures
Fiscal year Net draws Activities / units FY24 $2,114,400 47 FY25 $2,122,900
48
FY26
$3,195,000
71
From FY24 to FY26, net draws increased by $1,080,600, or 51.1%, while the number of activities rose by 24 (51.1%). The FY26 increase reflects more recorded activities; the FY26 amended award and net draw are $45,000 for each of its 71 activities. FY25 activity volume and spending were nearly level with FY24.
Utilization Pattern
These figures show a greater number of Bootstrap loan closings in both dollar terms, especially in FY26. This increase suggests that marketing and outreach efforts implemented by the Department during SFY2024 and SFY2025 did result in an increase in interest in Bootstrap, particularly in San Antonio, where Habitat for Humanity of San Antonio began participating in FY2025.
Bootstrap loan closing increased markedly in the FY26 activity records. The program recorded $3.195 million in net activity draws for 71 activities, 50.5% more dollars and 23 more activities than FY25. This followed little change between FY24 and FY25.
Additionally, Habitat for Humanity Texas provided consulting services to six Habitat for Humanity affiliates that closed a combined eight loans in FY26. This is a slight decrease from the nine loans closed by affiliates working through Habitat for Humanity Texas in FY25, and a 100% increase from the four loans closed by affiliates working though Habitat Texas in FY24.
2026 Texas Bootstrap Loan Program Allocation
The activity funding made available for Bootstrap from the 2026 allocation w...
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