The desirable chemical, physical, electronic, and optical properties of TiO2, as well as its high availability, non-toxicity, and low price, make it very popular in the modern functional textile industry. Here, TiO2 from titanium tetraisopropoxide (TTIP) precursors at concentrations of 2, 4, and 6% and commercial TiO2 nanoparticles (NPs) in dispersion form were applied to cotton textiles using low-temperature application methods (i.e., sol–gel pad–dry–cure, pad–hydrothermal, and exhaustion–hydrothermal methods) to provide a systematic study of the influence of low-temperature application processes and TIIP concentration and on the overall properties of TiO2-functionalized textile materials. The treated cotton fabric samples were characterized using scanning electron microscopy (SEM), energy dispersive X-ray analysis (EDS), Fourier transform infrared spectroscopy (FT-IR), and X-ray diffraction spectroscopy (XRD) to determine their surface morphology, chemical composition, and crystal structure, while the optical properties of the synthesized TiO2 were determined using the absorption method and Tauc plotting. Afterwards, corresponding UV protection properties and photocatalytic self-cleaning activity were evaluated. In contrast to commercial TiO2, a relatively thin TiO2 deposition with an amorphous structure and a blue-shifted band gap between 3.18 and 3.28 eV was formed when applied at low temperatures. A sol with a TIIP concentrations of 2 and 4% applied using the exhaustion–hydrothermal and sol–gel dry-cure method, respectively, proved to be optimal. Both applied sol concentrations provided good UV protection and excellent photocatalytic performance, which exceeded that of commercial TiO2, even though the Ti contents in the samples were two- to three-times lower and the synthesized TiO2 exhibited an amorphous structure.