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CDCB operates seven housing and educational programs to meet the needs of Cameron County residents. CDCB also operates six different programs to help meet the homeownership needs of low and moderate income residents of Cameron and Willacy Counties. Various Programs:
Participating families contribute their labor in building 65% of the new home for themselves and the other participating families. The “sweat equity” of each participating family reduces the loan amount for each home by as much as $12,000. In rural areas, USDA Rural Development 523 funding is used to provide on site construction supervision and program management. CDCB has been awarded two, two year 523 Mutual Self Help Grants totaling $526,000. In rural areas, USDA/RD 502 loans are originated to Self Help families, using a sliding interest rate based on income. In the City of Brownsville State of Texas MRB Loan funds are used for permanent financing. Families are also able to access a second lien mortgage of up to $30,000 per home through the State of Texas Bootstrap Loan program. The program offers a 30 year, 0% rate second lien mortgage. Coupled with a first lien mortgage to cover the remaining loan amount, families pay under $425 PITI per month for their new home CDCB provides lots in each of its Affordable Housing Subdivisions for the Mutual Self Help/Bootstrap Program as well as in area colonias. As of September, 2004 CDCB has started nine (13) self help groups, completed 68 homes and has 17 homes under construction.
Downpayment Assistant Programs Many low-income families are unable to purchase a new home because of their inability to save enough money for the downpayment and closing costs. To overcome this barrier, CDCB, in partnership with, the City of Brownsville and the State of Texas, have created one of the most successful downpayment assistance programs in the State of Texas.
CDCB has utilized four major pools of Downpayment funds available; $1.7 million from the Cities of Brownsville and San Benito; $3.7 million from the State of Texas; and $426,000 from different direct federal programs, accessing a total of $6 million, an average of $8,403 per family, in Downpayment Assistance funds over the past five (5) years.
The YouthBuild program seeks to link job training, educational enhancement, and affordable housing production working with drop out youth, from low-income families, between 18 - 24 years of age. A range of support services, including child care, are provided to participants, along with a training stipend. A major focus is to provide work opportunities in the participants' own neighborhood. CDCB’s YouthBuild Program has been rated among the top three YouthBuild Programs in the nation and has been awarded eight consecutive HUD YouthBuild Grants since 1996-1997 totaling $4,621,000. CDCB’s YouthBuild Program is a 12 month drug free program offering:
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The Mutual Self Help/Bootstrap Housing Program creates homeownership opportunities for families earning 60% or less of the States Median Family Income. Six (6) to ten (10) families work together over eleven (11) months, sharing labor and skills to successfully complete each home, with each family moving into their new home after all homes are complete. 
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