The government program to clean up the hundreds of failed thrift institutions around the country will run out of money sometime in the fall unless Congress acts to provide more funds, officials of the Resolution Trust Corp. said yesterday.

Although the ultimate dimensions of the cleanup are not yet clear, the announcement makes plain that the cash on hand will be exhausted before the government is able to "resolve," or dispose of, only about one-third of the dead or dying institutions.

The RTC announced yesterday that it will dispose of 77 more failed savings and loan institutions between now and the end of the government's fiscal year on Sept. 30 at an estimated loss of $11.6 billion.

The RTC also yesterday released a list of the $3.7 billion in junk bonds that it has acquired as a result of taking over thrifts that had invested in the high-risk, high-yielding securities. Included on the list are some well-known local names: There are $82.1 million in bonds and notes issued by companies belonging to Washington Redskins owner Jack Kent Cooke and $17.5 million in mortgage notes issued by retailer Woodward & Lothrop Inc.

Also in the portfolio are more than $53 million in bonds issued by several Donald Trump ventures, including the Trump Taj Mahal in Atlantic City; $5 million from Wedtech, the scandal-ridden New York defense contractor; and $19.8 million from the bankrupt Wall Street firm that pioneered junk bonds, Drexel Burnham Lambert.

The government's junk bond holdings are of widely varying worth, with some of hardly any value at all. Others, however, still could bring substantial amounts of money back into the RTC's coffers, reducing the eventual cost of the savings and loan cleanup to the taxpayer.

The announcements came as the Treasury Department reported that it has doubled its borrowing estimates for the current quarter, in part to provide funds for the savings and loan cleanup. The Treasury, which initially estimated that it would have to borrow $30 billion to $35 billion during the summer, now expects to borrow between $62 billion and $66 billion.

The replenishment of funds for the savings and loan cleanup also complicates the task facing negotiators from Congress and the Bush administration, which are struggling to deal with a budget deficit that has skyrocketed in recent months. Already, the negotiators face a deficit of $168.8 billion. Including funds needed for the S&L cleanup would push the number to more than $230 billion.

House Banking Committee Chairman Henry B. Gonzalez (D-Tex.) has scheduled a hearing on July 30, and Wednesday wrote RTC head L. William Seidman and Treasury Secretary Nicholas F. Brady asking them to come "prepared to discuss the RTC's funding needs."

So far the government has resolved 207 institutions and has taken control of another 247. RTC officials estimate that they will have to dispose of some 870 institutions before the bailout is complete.

The 77 institutions slated for resolution over the summer have assets of about $48 billion, RTC officials said. After making good on deposits and selling off the assets, regulators expect to lose about $11.6 billion. Those losses, plus others, will bring the total cost to the government under the cleanup plan to $37.3 billion by Sept. 30.

Sometime beyond that, the agency will run out of money. Because it makes money from sales of assets and because costs of disposing of thrifts are not known in advance, the exact date is uncertain. By drastically slowing the pace of resolutions or by increasing the pace of asset sales, the RTC could keep going longer.

"We can go into the {autumn}, clearly. I don't know how far," said Donald S. Billings, director of financial analysis for the RTC.

There had been hints that the agency might exhaust its funds before the end of this fiscal year, and the plan for the quarter shows that the Oversight Board managed to stay within congressionally set limits only by cutting back the RTC's original plan.

On the junk bonds, the RTC said it was issuing the list in the hope of stimulating investor interest.

The agency hopes to sell all these bonds -- 483 issues from 330 issuers -- but noted that many are not actively traded and thus are difficult to value.

Elisabeth N. Spector of the RTC said the agency hopes potential buyers will study the securities and help the agency arrive at a fair price.