FHA 203(k) Rehabilitation Mortgage

Federal Housing Administration (FHA)

Available Home Repair

About This Program

FHA-insured mortgage that allows homebuyers or homeowners to finance both the purchase (or refinance) and rehabilitation of a home with a single loan. Covers structural and non-structural repairs, energy improvements, and accessibility modifications.

Typical rehabilitation component for 203(k) loan

Key Details

  • Single loan for purchase + rehabilitation
  • Available for owner-occupied 1-4 unit properties
  • Minimum credit score 500 (with restrictions)
  • Down payment as low as 3.5%
  • Must use FHA-approved lender and contractors

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 225-5342

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Deadline: Ongoing program through FHA-approved lenders

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